Account opening service processing method and device, equipment and storage medium

Abstract

The invention provides an account opening service processing method and device, equipment and a storage medium, and relates to the technical field of computers. The method comprises the following steps: in response to an initiated business processing request, classifying each piece of file image data uploaded by counter business personnel to obtain a file classification result of each piece of file image data; performing annotation processing on the file image data which is determined according to the file classification result and indicates the non-standard format file to obtain annotated file image data; according to a pre-trained image recognition technology, performing information extraction processing on the labeled file image data and the file image data of the indication standard format file determined by the file classification result to obtain to-be-audited information included in each file image data; and performing auditing processing on the to-be-audited information included in the file image data, and after determining that the to-be-audited information passes the auditing, handling a service matched with the service processing request. According to the method, the business handling efficiency is improved.

Description

Technical Field

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

[0002] The existing bank unit settlement account opening business is characterized by large business volume, complex business scenarios, and a wide variety of certification documents. Therefore, how to improve the processing efficiency of the unit settlement account opening business has become a technical problem that needs to be solved urgently.

[0003] Under the current operating model, the review of relevant business documents for the opening of unit settlement accounts is mainly conducted manually by counter staff or back-end staff, and the corresponding account opening business is processed after the review is passed.

[0004] This business processing method places a heavy workload on business personnel, which affects the speed and efficiency of business processing, and further affects the customer's business processing experience. At the same time, the relevant business personnel who need to conduct manual review have high professional qualities to carry out business risk management, which increases labor costs. Summary of the invention

[0005] The present application provides an account opening business processing method, device, equipment and storage medium, which are used to solve the problem that the account opening business in the prior art requires manual review, resulting in low business processing efficiency and poor customer experience.

[0006] In a first aspect, the present application provides an account opening business processing method, which is applied to a computer device, comprising:

[0007] In response to the initiated business processing request, each file image data uploaded by the counter business personnel is classified and processed to obtain a file classification result of each file image data; wherein the file image data indicates image data generated after the counter business personnel scans and processes the business-related file related to the business processing request; the file classification result is used to determine whether the file image data indicates a standard format file;

[0008] Performing a marking process on the document image data indicating the non-standard format document determined by the document classification result to obtain marked document image data;

[0009] According to the pre-trained image recognition technology, information extraction processing is performed on the annotated document image data and the document image data indicating the standard format document determined by the document classification result to obtain the to-be-reviewed information included in each of the document image data;

[0010] The information to be reviewed included in each of the document image data is reviewed and processed, and after it is determined that the information to be reviewed has passed the review, the business matching the business processing request is processed.

[0011] In a possible design, the document image data indicating the non-standard format document determined by the document classification result is annotated to obtain the annotated document image data, including:

[0012] Obtaining a list of audit elements in a business scenario corresponding to the business processing request;

[0013] Based on the audit element list, determining at least one area to be marked from the document image data of the non-standard format document;

[0014] Based on the at least one area to be marked, a marking process is performed to obtain marked document image data.

[0015] In a possible design, performing a labeling process based on the at least one area to be labeled to obtain labeled document image data includes:

[0016] Sending the file image data of the non-annotated format file including the at least one area to be annotated to a display interface of a computer device for display;

[0017] The marking operation of the back-end business personnel on the file image data displayed on the display interface of the computer device is received to obtain the marked file image data.

[0018] In a possible design, before classifying and processing the image data of each file uploaded by the counter staff, the method further includes:

[0019] Determine a list of audit documents for a business scenario corresponding to the business processing request;

[0020] Based on the audit document list, the integrity check is performed on the image data of each document uploaded by the counter staff to obtain the document check result;

[0021] If it is determined based on the file check result that the business-related file related to the business processing request is incomplete, generating file incomplete information;

[0022] After the incomplete document information is sent to the counter staff, the business processing flow is terminated.

[0023] In a possible design, the to-be-audited information included in each of the document image data is audited, including:

[0024] Comparing the information to be reviewed included in each of the document image data to obtain an information comparison result; wherein the information comparison result is used to indicate whether the information to be reviewed included in each of the document image data is consistent;

[0025] Sending the information comparison result to a display interface of a computer device for display;

[0026] Receive a confirmation operation from a backstage business person on the information comparison result displayed in the display interface of the computer device to obtain an information review result; wherein the information review result indicates whether the information to be reviewed has been reviewed and approved.

[0027] In one possible design, the method further includes:

[0028] If it is determined that the information review result indicates that the to-be-reviewed information has failed the review, a reason for the review failure is generated based on the information review result, and the reason for the review failure is fed back to the counter business personnel.

[0029] In a second aspect, the present application provides an account opening service processing device, including:

[0030] A classification unit, for classifying and processing each file image data uploaded by the counter business personnel in response to the initiated business processing request, and obtaining a file classification result of each file image data; wherein the file image data indicates image data generated after the counter business personnel scans and processes the business-related file related to the business processing request; and the file classification result is used to determine whether the file image data indicates a standard format file;

[0031] A marking unit, used for marking the file image data indicating the non-standard format file determined by the file classification result to obtain marked file image data;

[0032] A recognition unit, configured to perform information extraction processing on the annotated file image data and the file image data indicating the standard format file determined by the file classification result according to a pre-trained image recognition technology, to obtain the to-be-reviewed information included in each of the file image data;

[0033] The processing unit is used to review the information to be reviewed included in each of the document image data, and after determining that the information to be reviewed has passed the review, handle the business matching the business processing request.

[0034] In one possible design, the cells are labeled to:

[0035] Obtaining a list of audit elements in a business scenario corresponding to the business processing request;

[0036] Based on the audit element list, determining at least one area to be marked from the document image data of the non-standard format document;

[0037] Based on the at least one area to be marked, a marking process is performed to obtain marked document image data.

[0038] In one possible design, the cells are labeled to:

[0039] Sending the file image data of the non-annotated format file including the at least one area to be annotated to a display interface of a computer device for display;

[0040] The marking operation of the back-end business personnel on the file image data displayed on the display interface of the computer device is received to obtain the marked file image data.

[0041] In a possible design, the device further includes a checking unit, which is used to:

[0042] Before classifying and processing the image data of each document uploaded by the counter staff, determine the audit document list under the business scenario corresponding to the business processing request;

[0043] Based on the audit document list, the integrity check is performed on the image data of each document uploaded by the counter staff to obtain the document check result;

[0044] If it is determined based on the file check result that the business-related file related to the business processing request is incomplete, generating file incomplete information;

[0045] After the incomplete document information is sent to the counter staff, the business processing flow is terminated.

[0046] In one possible design, the processing unit includes an audit module, which is used to:

[0047] Comparing the information to be reviewed included in each of the document image data to obtain an information comparison result; wherein the information comparison result is used to indicate whether the information to be reviewed included in each of the document image data is consistent;

[0048] Sending the information comparison result to a display interface of a computer device for display;

[0049] Receive a confirmation operation from a backstage business person on the information comparison result displayed in the display interface of the computer device to obtain an information review result; wherein the information review result indicates whether the information to be reviewed has been reviewed and approved.

[0050] In one possible design, the processing unit includes a processing module, which is used to:

[0051] If it is determined that the information review result indicates that the to-be-reviewed information has failed the review, a reason for the review failure is generated based on the information review result, and the reason for the review failure is fed back to the counter business personnel.

[0052] In a third aspect, an embodiment of the present application provides a computer device, comprising: a processor, and a memory communicatively connected to the processor; the memory stores computer execution instructions; the processor executes the computer execution instructions stored in the memory to implement the account opening business processing method described in the first aspect and various possible designs of the first aspect.

[0053] In a fourth aspect, an embodiment of the present application provides a computer-readable storage medium, in which computer execution instructions are stored. When a processor executes the computer execution instructions, the account opening business processing method described in the first aspect and various possible designs of the first aspect is implemented.

[0054] In a fifth aspect, an embodiment of the present application provides a computer program product, including a computer program. When the computer program is executed by a processor, it implements the account opening business processing method described in the first aspect and various possible designs of the first aspect.

[0055] The account opening business processing method, device, equipment and storage medium provided by the present application can upload the file image data to the background after the counter business personnel scan the business-related files, and initiate a business processing request to realize semi-automatic business processing in the background, which not only fully releases the human resources of the counter, so that the counter business personnel can handle more business, avoid customers who handle other businesses waiting for a long time, and improve customer experience, but also can further improve business processing efficiency through deep intensive processing. At this time, the background can respond to the initiated business processing request, classify and process the file image data uploaded by the counter business personnel, and obtain the file classification results of each file image data, so as to determine the file image data that can automatically determine the information to be reviewed through the pre-trained image recognition technology (that is, the file image data indicating the standard format file), and the file image data that cannot automatically determine the information to be reviewed through the pre-trained image recognition technology (that is, the file image data indicating the non-standard format file), avoid the phenomenon of error in identifying the information to be reviewed, and improve the accuracy of information extraction from the file image data. At this time, the file image data indicating the non-standard format file can be annotated to obtain the annotated file image data, and then, according to the pre-trained image recognition technology, the annotated file image data and the file image data indicating the standard format file determined by the file classification result are subjected to information extraction processing to obtain the information to be reviewed included in each file image data. This implementation method can extract the information to be reviewed in each file image data by combining the manual annotation method with the automatic recognition technology, and achieves the effect of improving the speed of determining the information to be reviewed on the basis of ensuring the accuracy of the extraction of the information to be reviewed. At the same time, by extracting the information to be reviewed, the workload of the review can be reduced, which not only improves the efficiency of the file review, but also improves the experience of the business personnel. Afterwards, the automatic review plus the manual review method can be used to determine whether the information to be reviewed has been reviewed and approved, and after determining that the information to be reviewed has been reviewed and approved, the business matching the business processing request can be handled, so as to ensure the accuracy of the review of the information to be reviewed, avoid the phenomenon of review errors, and improve the efficiency of the account opening business processing on the basis of ensuring the security and accuracy of the account opening business processing, thereby improving the customer experience. BRIEF DESCRIPTION OF THE DRAWINGS

[0056] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0057] Figure 1 The process of the account opening service processing method provided in the embodiment of the present application Figure 1 ;

[0058] Figure 2Schematic diagram of the process of the account opening service processing method provided in the embodiment of the present application Figure 2 ;

[0059] Figure 3 Schematic diagram of the process of the account opening service processing method provided in the embodiment of the present application Figure 3 ;

[0060] Figure 4 A flowchart of an implementation method of an account opening service processing method provided in an embodiment of the present application;

[0061] Figure 5 A schematic diagram of the structure of an account opening service processing device provided in an embodiment of the present application;

[0062] Figure 6 A schematic diagram of the structure of another account opening service processing device provided in an embodiment of the present application;

[0063] Figure 7 A schematic diagram of the structure of a computer device provided in an embodiment of the present application.

[0064] The above drawings have shown clear embodiments of the present application, which will be described in more detail later. These drawings and text descriptions are not intended to limit the scope of the present application in any way, but to illustrate the concept of the present application to those skilled in the art by referring to specific embodiments. DETAILED DESCRIPTION

[0065] Exemplary embodiments will be described in detail herein, examples of which are shown in the accompanying drawings. When the following description refers to the drawings, the same numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with the present application. Instead, they are merely examples of devices and methods consistent with some aspects of the present application as detailed in the appended claims.

[0066] In the technical solution of this application, the collection, storage, use, processing, transmission, provision and disclosure of information such as financial data or user data involved shall comply with the provisions of relevant laws and regulations and shall not violate public order and good morals.

[0067] It should be noted that in the embodiments of the present application, certain software, components, models and other existing solutions in the industry may be mentioned, and they should be regarded as exemplary. Their purpose is only to illustrate the feasibility of implementing the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0068] The existing bank unit settlement account opening business is characterized by large business volume, complex business scenarios, and a wide variety of certification documents. Therefore, how to improve the processing efficiency of the unit settlement account opening business has become a technical problem that needs to be solved urgently.

[0069] In one possible implementation, the counter staff processes the account opening service on the counter system and completes the delivery. In specific implementation, the counter staff manually reviews the relevant business documents of the account opening service. This method easily makes the counter staff bear more document processing work, which not only affects the efficiency of counter service, but also affects the customer experience of counter service and the work experience of the staff.

[0070] In another possible implementation, the counter business personnel and the back-end business personnel are combined to process the business, which can initially release the counter human resources and improve the efficiency of counter business processing. In the specific implementation, the counter business personnel organize the relevant business documents submitted by the customer, and after initially verifying the authenticity and validity of the business-related documents, scan and upload the business-related documents in the order of organization, and mark the file type of each business-related document, and then send the file image data of each uploaded business-related document to the back-end, so that the back-end business personnel can manually review the uploaded file image data, and after the review is passed, feedback is given to the counter business personnel, so that the counter business personnel can complete the business processing. In this implementation, the counter business personnel still need to undertake a lot of work content, resulting in insufficient release of the manpower of the counter business personnel. At the same time, transferring the counter review work to the back-end for processing still fails to reduce the workload of the business personnel, and there is still a problem of low business processing efficiency.

[0071] In addition, when handling account opening business, business risks need to be managed, which requires the business personnel conducting the review to have high professional qualities. However, the training cost of business personnel is high and the training cycle is long, which increases labor costs.

[0072] In response to the above technical problems, this application proposes the following technical ideas: through intensive processing flow, the business processing process is transferred to the back-end centralized processing, fully releasing the counter human resources, thereby improving the counter business processing efficiency. At the same time, through the human-machine combined processing method, the degree of automation of business processing is improved, the workload of back-end business personnel is effectively reduced, the business processing efficiency is improved, the risk of manual review is reduced, and the experience of customers and business personnel is improved. In this way, the above technical problems can be solved.

[0073] The technical solution of the present application and how the technical solution of the present application solves the above-mentioned technical problems are described in detail below with specific embodiments. The following specific embodiments can be combined with each other, and the same or similar concepts or processes may not be repeated in some embodiments. The embodiments of the present application will be described below in conjunction with the accompanying drawings.

[0074] Figure 1 The process of the account opening service processing method provided in the embodiment of the present application Figure 1 .like Figure 1 As shown, the account opening business processing method includes:

[0075] S101 . In response to an initiated business processing request, classify and process each file image data uploaded by the counter business personnel to obtain a file classification result of each file image data.

[0076] The document image data indicates image data generated after the counter business personnel scan and process the business-related documents related to the business processing request; the document classification result is used to determine whether the document image data indicates a standard format document.

[0077] The account opening business in the embodiment of the present application can be understood as the account opening business for the unit settlement account. At this time, the account opening business of the unit settlement account can correspond to a variety of business scenarios. For example, the business scenarios may include but are not limited to the following scenarios: temporary accounts, off-site account opening, special account opening (for example, salary settlement accounts, tax payment accounts, external payment accounts, etc.), state-owned enterprise accounts, private enterprise accounts, public welfare unit accounts, etc.

[0078] In the case of numerous business scenarios for account opening business, the types and quantities of business-related documents that need to be reviewed for account opening business are also relatively large. Therefore, the account opening business processing method provided in the embodiment of the present application can be adopted to review various business-related documents to complete the business processing.

[0079] In the embodiment of the present application, the business processing request corresponds to the account opening business handled by the customer. At this time, when the customer arrives at the counter to handle the account opening business, the business-related documents submitted by the customer related to the account opening business can be scanned and uploaded by the counter business personnel. At this time, the file image data corresponding to the business-related documents can be generated and uploaded to the background. At this time, the counter business personnel can initiate a business processing request in the counter system after uploading the file image data. Afterwards, the background can respond to the initiated business processing request, obtain the image data of each file uploaded by the counter business personnel, and classify and process each file image data.

[0080] In one example, a standard layout file indicates a file with a standard file template. At this time, each file image data can be classified and processed according to the standard file template included in the business scenario corresponding to the business processing request to obtain a file classification result for each file image data, thereby determining the file image data indicating the standard layout file and the file image data indicating the non-standard layout file in each file image data.

[0081] S102: marking the file image data indicating the non-standard format file determined by the file classification result to obtain marked file image data.

[0082] In one example, the annotated document image data may include annotated information to be reviewed. In this case, the location of the information to be reviewed may be annotated in the document image data to obtain the annotated document image data.

[0083] S103, using pre-trained image recognition technology, performing information extraction processing on the annotated document image data and the document image data indicating the standard format document determined by the document classification result, to obtain the to-be-audited information included in each document image data.

[0084] In an example, image recognition technology may indicate any technology that can recognize text in an image. For example, image recognition technology may be OCR (Optical Character Recognition) technology and ICR (Intelligent Character Recognition) technology, etc. There is no specific limitation on pre-trained image recognition technology here, and it is based on meeting actual needs.

[0085] In one example, after performing information extraction processing on the annotated file image data to obtain the information to be reviewed included in the annotated file image data, the information to be reviewed included in the annotated file image data can also be detected. For example, it can be detected whether the information to be reviewed included in the extracted annotated file image data is repeated or whether necessary review information is missing.

[0086] In one example, the information to be reviewed may indicate at least the following information: basic company information (for example, company name, business license, office address, organization code, etc.), relevant information of the legal representative (for example, the legal representative's ID card, passport, photo, etc.), authorized person information, financial information, account opening application form, etc.

[0087] S104: review and process the information to be reviewed included in each file image data, and after determining that the information to be reviewed has passed the review, handle the business matching the business processing request.

[0088] In one example, when the information to be audited is audited, an automatic audit process and a manual audit process may be included. The automatic audit process can automatically determine the accuracy of the information to be audited (for example, whether the company name, organization code, legal representative ID card, passport and other information are accurate / existent), and automatically compare the consistency between the various information to be audited (for example, whether the same information to be audited indicated in business-related document 1 and business-related document 2 is consistent), thereby obtaining the automatic audit result of the information to be audited. The manual audit process is used to audit the automatic audit result. For example, the accuracy of the automatic audit result can be manually determined to obtain the manual audit result.

[0089] At this time, it can be determined whether the information to be reviewed has passed the review based on the automatic review results and the manual review results. For example, if the automatic review results determine that the information to be reviewed is accurate, and the details to be reviewed are consistent, and the manual review results determine that the automatic review results are accurate, then the information to be reviewed is determined to have passed the review.

[0090] At this time, after determining that the pending information has passed the review, the business matching the business processing request can be processed. For example, after the pending information has passed the review, an account corresponding to the business processing request can be generated and the customer information can be updated. After that, the filing information can be generated and sent to the counter business personnel so that the counter business personnel can file it and complete the business processing flow.

[0091] It can be seen from the above description that the embodiment of the present application can upload the file image data to the background after the counter business personnel scan the business-related files, and initiate a business processing request to realize semi-automatic business processing in the background, which not only fully releases the human resources of the counter, so that the counter business personnel can handle more business, avoid customers who handle other businesses waiting for a long time, and improve customer experience, but also can further improve business processing efficiency through deep intensive processing. At this time, the background can respond to the initiated business processing request, classify and process the file image data uploaded by the counter business personnel, and obtain the file classification results of each file image data, so as to determine the file image data that can automatically determine the information to be reviewed through the pre-trained image recognition technology (that is, the file image data indicating the standard format file), and the file image data that cannot be automatically determined by the pre-trained image recognition technology (that is, the file image data indicating the non-standard format file), avoid the phenomenon of error in identifying the information to be reviewed, and improve the accuracy of information extraction from the file image data. At this time, the file image data indicating the non-standard format file can be annotated to obtain the annotated file image data, and then, according to the pre-trained image recognition technology, the annotated file image data and the file image data indicating the standard format file determined by the file classification result are subjected to information extraction processing to obtain the information to be reviewed included in each file image data. This implementation method can extract the information to be reviewed in each file image data by combining the manual annotation method with the automatic recognition technology, and achieves the effect of improving the speed of determining the information to be reviewed on the basis of ensuring the accuracy of the extraction of the information to be reviewed. At the same time, by extracting the information to be reviewed, the workload of the review can be reduced, which not only improves the efficiency of the file review, but also improves the experience of the business personnel. Afterwards, the automatic review plus the manual review method can be used to determine whether the information to be reviewed has been reviewed and approved, and after determining that the information to be reviewed has been reviewed and approved, the business matching the business processing request can be handled, so as to ensure the accuracy of the review of the information to be reviewed, avoid the phenomenon of review errors, and improve the efficiency of the account opening business processing on the basis of ensuring the security and accuracy of the account opening business processing, thereby improving the customer experience.

[0092] See also Figure 2 , Figure 2 Schematic diagram of the process of the account opening service processing method provided in the embodiment of the present application Figure 2 ,like Figure 2 As shown, the account opening business processing method includes:

[0093] S201. In response to the initiated business processing request, classify and process each file image data uploaded by the counter business personnel to obtain a file classification result of each file image data.

[0094] The document image data indicates image data generated after the counter business personnel scan and process the business-related documents related to the business processing request; the document classification result is used to determine whether the document image data indicates a standard format document.

[0095] In an example, this step can refer to the content described in S101 above, and will not be described in detail here.

[0096] S202: Obtain a list of audit elements in a business scenario corresponding to the business processing request.

[0097] Among them, the audit element list includes multiple pre-set elements to be audited that match the business scenarios.

[0098] S203: Based on the audit element list, determine at least one area to be marked from the document image data of the non-standard format document.

[0099] In one example, the location of each to-be-audited element included in the audit element list can be determined from the file image data of the non-standard format file to obtain at least one area to be marked.

[0100] S204: Perform labeling processing based on at least one area to be labeled to obtain labeled document image data.

[0101] In a specific implementation, the file image data of the non-annotated format file including at least one area to be annotated can be sent to the display interface of the computer device for display. Then, the annotation operation of the back-end business personnel on the file image data displayed on the display interface of the computer device can be received to obtain the annotated file image data.

[0102] In one example, the annotation operation of the back-end business personnel on the displayed document image data may indicate an operation of confirming the annotation area, or may indicate an operation of re-demarcating the annotation area.

[0103] This implementation can assist back-end business personnel to quickly and accurately determine the information to be reviewed in the file image data indicating a non-standard format file by automatically determining at least one area to be marked, thereby saving time, reducing workload and improving efficiency.

[0104] S205 , performing information extraction processing on the annotated document image data and the document image data indicating the standard format document determined by the document classification result according to the pre-trained image recognition technology, and obtaining the to-be-reviewed information included in each document image data.

[0105] In an example, this step can refer to the content described in S103 above, and will not be described in detail here.

[0106] S206: Compare the information to be reviewed included in each file image data to obtain an information comparison result.

[0107] The information comparison result is used to indicate whether the to-be-audited information included in each file image data is consistent with each other.

[0108] In one example, each file image data may correspond to multiple business-related files. In this case, the business-related files may include account opening application files and various certification files (e.g., business license files, ID card files, passport files, etc.). In this case, the information comparison result may at least indicate whether the information to be reviewed in the various certification files is consistent with the information to be reviewed in the account opening application files, whether the information to be reviewed included in the various certification files is consistent, and whether the associated information of the information to be reviewed is consistent. Among them, the associated information of the information to be reviewed can be used to determine whether the information to be reviewed is accurate. For example, assuming that the information to be reviewed is the "company name", then the associated information of the "company name" can be the "organization code" corresponding to the company name. In this case, the accuracy of the "company name" can be determined by judging whether the "company name" is consistent with the "organization code" associated with the "company name".

[0109] S207: Send the information comparison result to the display interface of the computer device for display.

[0110] In one example, the information comparison result may include consistent information to be reviewed and inconsistent information to be reviewed.

[0111] After the information comparison result is sent to the display interface of the computer device, the back-end business personnel can review only the inconsistent information to be reviewed, or review the information to be reviewed that is at least partially consistent, thereby ensuring the accuracy of the review.

[0112] S208: Receive a confirmation operation from the backend business personnel on the information comparison result displayed in the display interface of the computer device, and obtain the information review result.

[0113] Among them, the information review result indicates whether the information to be reviewed has passed the review.

[0114] In one example, the confirmation operation for the information comparison result can indicate confirmation that the information to be reviewed is consistent, or confirmation that the information to be reviewed is inconsistent. At this time, if the information comparison result indicates that all the information to be reviewed is consistent, it is determined that the information to be reviewed has been reviewed. At this time, the back-end business personnel can perform the confirmation operation on the information comparison result if they confirm that the information comparison result is correct, thereby confirming that the information to be reviewed has been reviewed.

[0115] If the information comparison result indicates that there is inconsistent information to be reviewed among the information to be reviewed, the back-end business personnel can confirm whether the inconsistent information to be reviewed is accurate. If it is determined to be accurate, the confirmation operation of the inconsistent information to be reviewed can be performed to confirm that the information to be reviewed has failed the review, and the reason for the review failure is generated based on the confirmed inconsistent information to be reviewed.

[0116] This implementation method can further confirm whether the information to be reviewed has passed the review by combining it with manual review, further ensure the accuracy of the review of the information to be reviewed, and thus ensure the security of the account opening business.

[0117] S209: After determining that the information to be reviewed has passed the review, handle the business matching the business processing request.

[0118] S210. If it is determined that the information to be reviewed fails the review, a reason for the review failure is generated based on the information review result, and the reason for the review failure is fed back to the counter business personnel.

[0119] At this time, it can be seen from the above description that the reason for the audit failure may include inconsistent information to be audited. At this time, the inconsistent information to be audited can be fed back to the customer through the counter business personnel, so that the customer can modify the information in the business-related documents in a timely and accurate manner to re-process the account opening business, avoiding the customer from finding the reason for the audit failure by themselves, which affects the efficiency of business processing.

[0120] See also Figure 3 , Figure 3 Schematic diagram of the process of the account opening service processing method provided in the embodiment of the present application Figure 3 ,like Figure 3 As shown, the account opening business processing method includes:

[0121] S301. In response to an initiated business processing request, determine a review document list in a business scenario corresponding to the business processing request.

[0122] The audit document list includes the file identifiers of all the files required for handling the account opening business in the business scenario corresponding to the business processing request. For example, the file identifier may be the file name.

[0123] S302: Based on the audited document list, integrity check is performed on the image data of each document uploaded by the counter staff to obtain the document check result.

[0124] At this time, the file name of each file image data can be identified and compared with the file name included in the audit document list to determine whether the file image data is complete, thereby determining whether the customer has submitted all relevant documents for account opening.

[0125] S303: If it is determined based on the file check result that the business-related file related to the business processing request is incomplete, generate file incomplete information.

[0126] S304: After sending the incomplete file information to the counter staff, the business processing flow ends.

[0127] At this time, the incomplete file information may include the file names of the missing business-related files, so that the counter business personnel can inform the customer of the file names of the missing business-related files so that the customer can prepare the documents in a targeted manner to facilitate the account opening process again.

[0128] S305: If it is determined based on the file inspection result that the business-related files related to the business processing request are complete, classify the file image data uploaded by the counter business personnel to obtain the file classification results of the file image data.

[0129] The document image data indicates image data generated after the counter business personnel scan and process the business-related documents related to the business processing request; the document classification result is used to determine whether the document image data indicates a standard format document.

[0130] S306: marking the file image data indicating the non-standard format file determined by the file classification result to obtain marked file image data.

[0131] S307 , using pre-trained image recognition technology, extract information from the annotated file image data and the file image data indicating the standard format file determined by the file classification result to obtain the to-be-reviewed information included in each file image data.

[0132] S308: Review the information to be reviewed included in each file image data, and after determining that the information to be reviewed has passed the review, handle the business matching the business processing request.

[0133] This implementation method can terminate the business processing flow in a timely manner when the business-related documents provided by the customer are incomplete, which can save the customer's time and improve the efficiency of the business processing system.

[0134] See also Figure 4 , Figure 4 A flowchart of an implementation method of an account opening service processing method provided in an embodiment of the present application is shown in FIG. Figure 4 As shown, during the implementation process, customers can bring business-related documents to the counter of the branch, and the counter business personnel will scan and upload the business-related documents and initiate a business processing request.

[0135] Afterwards, the background will conduct a preliminary check to see whether the business-related documents are complete. If it is determined that the business-related documents are incomplete, it will generate incomplete file information, and after the incomplete file information is fed back to the counter, the business processing flow will be ended.

[0136] When it is determined that the business-related information is complete, each file image data is classified and processed, and the file image data indicating non-standard format files are annotated by the back-end business personnel to obtain the annotated file image data.

[0137] Next, information may be extracted from the annotated document image data and the document image data indicating the standard format document based on pre-trained image recognition technology to obtain the information to be reviewed.

[0138] At this point, you can first compare the information to be audited to obtain the information comparison results, and then have the background business personnel audit the information comparison results.

[0139] If the information to be reviewed is approved, the account number will be automatically generated and the customer information will be updated. At this time, the record information can also be generated and fed back to the counter business personnel.

[0140] If the information to be reviewed fails the review, the reason for the review failure is generated based on the information comparison result, and the reason for the review failure is fed back to the counter business personnel.

[0141] At this time, the counter staff can determine whether the information to be reviewed has passed based on the business feedback information (including the filing information and the reason for the review failure). If it is determined that the information to be reviewed has passed the review, it will be filed according to the filing information and the business processing flow will be ended. If it is determined that the information to be reviewed has not passed the review, the counter staff will inform the customer of the reason for the review failure and the business processing flow will be ended.

[0142] It can be seen from the above description that the above account opening business processing scenario is an offline processing scenario. In a possible implementation, the account opening business processing scenario can also be an online processing scenario.

[0143] At this point, the customer can initiate a business processing request on the client side and upload electronic business-related documents to the background, so as to classify and process the image data of each document. The subsequent process is consistent with the above description and will not be described in detail here.

[0144] See also Figure 5 , Figure 5 A schematic diagram of the structure of an account opening service processing device provided in an embodiment of the present application, such as Figure 5 As shown, the account opening service processing device 500 includes:

[0145] The classification unit 501 is used to classify the file image data uploaded by the counter business personnel in response to the initiated business processing request, and obtain the file classification result of each file image data; wherein the file image data indicates the image data generated after the counter business personnel scans and processes the business-related files related to the business processing request; the file classification result is used to determine whether the file image data indicates a standard format file.

[0146] The marking unit 502 is used to mark the file image data indicating the non-standard format file determined by the file classification result, and obtain the marked file image data.

[0147] The recognition unit 503 is used to perform information extraction processing on the annotated file image data and the file image data indicating the standard format file determined by the file classification result according to the pre-trained image recognition technology, so as to obtain the to-be-reviewed information included in each file image data.

[0148] The processing unit 504 is used to review the information to be reviewed included in each file image data, and after determining that the information to be reviewed has passed the review, handle the business matching the business processing request.

[0149] See also Figure 6 , Figure 6 A schematic diagram of the structure of another account opening service processing device provided in an embodiment of the present application, such as Figure 6 As shown, the account opening service processing device 600 includes:

[0150] The classification unit 601 is used to classify the file image data uploaded by the counter business personnel in response to the initiated business processing request, and obtain the file classification result of each file image data; wherein the file image data indicates the image data generated after the counter business personnel scans and processes the business-related files related to the business processing request; the file classification result is used to determine whether the file image data indicates a standard format file.

[0151] The marking unit 602 is used to mark the file image data indicating the non-standard format file determined by the file classification result to obtain marked file image data.

[0152] The recognition unit 603 is used to perform information extraction processing on the annotated file image data and the file image data indicating the standard format file determined by the file classification result according to the pre-trained image recognition technology, so as to obtain the to-be-reviewed information included in each file image data.

[0153] The processing unit 604 is used to review the information to be reviewed included in each file image data, and after determining that the information to be reviewed has passed the review, handle the business matching the business processing request.

[0154] In one possible design, the marking unit 602 is used to:

[0155] Obtain a list of audit elements for the business scenario corresponding to the business processing request;

[0156] Based on the audit element list, determining at least one area to be marked from the document image data of the non-standard format document;

[0157] Based on at least one area to be marked, a marking process is performed to obtain marked document image data.

[0158] In one possible design, the marking unit 602 is used to:

[0159] Sending the document image data of the non-annotated format document including at least one area to be annotated to a display interface of a computer device for display;

[0160] The marking operation of the backstage business personnel on the file image data displayed on the display interface of the computer device is received to obtain the marked file image data.

[0161] In a possible design, the apparatus further includes a checking unit 605, configured to:

[0162] Before classifying and processing the image data of each document uploaded by the counter staff, determine the audit document list under the business scenario corresponding to the business processing request;

[0163] Based on the audit document list, the integrity of each document image data uploaded by the counter staff is checked to obtain the document inspection results;

[0164] If it is determined based on the document check result that the business-related document related to the business processing request is incomplete, generating document incomplete information;

[0165] After sending the incomplete document information to the counter staff, the business processing process is completed.

[0166] In one possible design, the processing unit 604 includes an audit module 6041, which is used to:

[0167] Comparing the information to be reviewed included in each file image data to obtain an information comparison result; wherein the information comparison result is used to indicate whether the information to be reviewed included in each file image data is consistent;

[0168] Sending the information comparison result to the display interface of the computer device for display;

[0169] Receive the confirmation operation of the back-end business personnel on the information comparison result displayed in the display interface of the computer device, and obtain the information review result; wherein the information review result indicates whether the information to be reviewed has been reviewed and approved.

[0170] In one possible design, the processing unit 604 includes a processing module 6042, configured to:

[0171] If it is determined that the information review result indicates that the information to be reviewed has failed the review, a reason for the review failure is generated based on the information review result, and the reason for the review failure is fed back to the counter business personnel.

[0172] The account opening service processing device provided in the embodiment of the present application can be used to execute the technical solution of the account opening service processing method in the above embodiment. Its implementation principle and technical effect are similar and will not be repeated here.

[0173] It should be noted that it should be understood that the division of the various units / modules of the above device is only a division of logical functions. In actual implementation, they can be fully or partially integrated into one physical entity, or they can be physically separated. And these / unit modules can be implemented in the form of software; they can also be implemented in the form of hardware; some units / modules can be implemented in the form of software, and some units / modules can be implemented in the form of hardware. In the implementation process, each step of the above method or the above units / modules can be completed by the hardware integrated logic circuit in the processor or the instructions in the form of software.

[0174] See also Figure 7 , Figure 7 This is a schematic diagram of the structure of a computer device provided in an embodiment of the present application. Figure 7 As shown, the computer device may include: a transceiver 701 , a processor 702 , and a memory 703 .

[0175] The processor 702 executes the computer execution instructions stored in the memory, so that the processor 702 executes the scheme in the above embodiment. The processor 702 can be a general-purpose processor, including a central processing unit CPU, a network processor (NP), etc.; it can also be a digital signal processor DSP, an application-specific integrated circuit ASIC, a field programmable gate array FPGA or other programmable logic devices, discrete gates or transistor logic devices, discrete hardware components. Alternatively, the general-purpose processor can also be a microprocessor or the processor can also be any conventional processor, etc. The steps of the method disclosed in the invention can be directly embodied as being executed by a hardware processor, or can be executed by a combination of hardware and software modules in the processor.

[0176] The memory 703 is connected to the processor 702 via a system bus and communicates with each other. The memory 703 is used to store computer-executable instructions.

[0177] The transceiver 701 may be used to obtain document image data.

[0178] The system bus can be a peripheral component interconnect (PCI) bus, an industry standard architecture (ISA) bus, or an extended industry standard architecture (EISA) bus, etc. The system bus can be divided into an address bus, a data bus, a control bus, etc. For ease of representation, only one thick line is used in the figure, but it does not mean that there is only one bus or one type of bus. The transceiver is used to realize communication between the database access device and other computers (such as clients, read-write libraries, and read-only libraries). The memory may include random access memory (RAM), and may also include non-volatile memory (NVM), such as at least one disk storage, and can also be a USB flash drive, a mobile hard disk, a read-only memory, a disk or an optical disk, etc.

[0179] In the several embodiments provided in the present application, it should be understood that the disclosed devices and methods can be implemented in other ways. For example, the device embodiments described above are only schematic, for example, the division of modules is only a logical function division, and there may be other division methods in actual implementation, such as multiple modules can be combined or integrated into another system, or some features can be ignored or not executed. Another point is that the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices or modules, which can be electrical, mechanical or other forms.

[0180] The modules described as separate components may or may not be physically separated, and the components shown as modules may or may not be physical units, that is, they may be located in one place or distributed on multiple network units. Some or all of the modules may be selected according to actual needs to implement the solution of this embodiment.

[0181] An embodiment of the present application further provides a computer-readable storage medium, in which computer execution instructions are stored. When the computer execution instructions are executed on a computer, the computer executes the technical solution of the account opening business processing method of the above embodiment.

[0182] The above-mentioned integrated module implemented in the form of a software function module can be stored in a computer-readable storage medium. The above-mentioned software function module is stored in a storage medium, including a number of instructions for enabling a computer device (which can be a personal computer, a server, or a network device, etc.) or a processor to perform some steps of the methods of various embodiments of the present application.

[0183] The above storage medium can be implemented by any type of volatile or non-volatile storage device or a combination thereof, such as static random access memory (SRAM), electrically erasable programmable read-only memory (EEPROM), erasable programmable read-only memory (EPROM), programmable read-only memory (PROM), read-only memory (ROM), magnetic memory, flash memory, magnetic disk or optical disk. The storage medium can be any available medium that can be accessed by a general or special purpose computer.

[0184] An exemplary storage medium is coupled to a processor so that the processor can read information from the storage medium and write information to the storage medium. Of course, the storage medium can also be a component of the processor. The processor and the storage medium can be located in an application specific integrated circuit (ASIC). Of course, the processor and the storage medium can also exist as discrete components in an electronic control unit or a main control device.

[0185] Those skilled in the art can understand that all or part of the steps of implementing the above-mentioned method embodiments can be completed by hardware related to program instructions. The aforementioned program can be stored in a computer-readable storage medium. When the program is executed, the steps of the above-mentioned method embodiments are executed; and the aforementioned storage medium includes: ROM, RAM, disk or optical disk and other media that can store program codes.

[0186] An embodiment of the present application also provides a computer program product, which includes a computer program stored in a computer-readable storage medium. A processor can read the computer program from the computer program product, and the processor can implement the technical solution of the account opening business processing method in the above embodiment when executing the computer program.

[0187] Finally, it should be noted that the above embodiments are only used to illustrate the technical solutions of the present application, rather than to limit it. Although the present application has been described in detail with reference to the aforementioned embodiments, those skilled in the art should understand that they can still modify the technical solutions described in the aforementioned embodiments, or replace some or all of the technical features therein with equivalents. However, these modifications or replacements do not cause the essence of the corresponding technical solutions to deviate from the scope of the technical solutions of the embodiments of the present application.

Claims

1. A method for processing an account opening service, characterized in that: Applicable to computer equipment, including: In response to the initiated business processing request, each file image data uploaded by the counter business personnel is classified and processed to obtain a file classification result of each file image data; wherein the file image data indicates image data generated after the counter business personnel scans and processes the business-related file related to the business processing request; the file classification result is used to determine whether the file image data indicates a standard format file; Performing a marking process on the document image data indicating the non-standard format document determined by the document classification result to obtain marked document image data; According to the pre-trained image recognition technology, the information extraction process is performed on the annotated document image data and the document image data indicating the standard format document determined by the document classification result to obtain the to-be-reviewed information included in each of the document image data; The information to be reviewed included in each of the document image data is reviewed and processed, and after it is determined that the information to be reviewed has passed the review, the business matching the business processing request is processed.

2. The method according to claim 1, characterized in that: The document image data indicating the non-standard format document determined by the document classification result is annotated to obtain the annotated document image data, including: Obtaining a list of audit elements in a business scenario corresponding to the business processing request; Based on the audit element list, determining at least one area to be marked from the document image data of the non-standard format document; Based on the at least one area to be marked, a marking process is performed to obtain marked document image data.

3. The method according to claim 2, characterized in that Based on the at least one area to be marked, a marking process is performed to obtain marked document image data, including: Sending the file image data of the non-annotated format file including the at least one area to be annotated to a display interface of a computer device for display; The marking operation of the back-end business personnel on the file image data displayed on the display interface of the computer device is received to obtain the marked file image data.

4. The method according to claim 1, characterized in that: Before classifying and processing the image data of each file uploaded by the counter staff, the method further includes: Determine a list of audit documents for a business scenario corresponding to the business processing request; Based on the audit document list, the integrity check is performed on the image data of each document uploaded by the counter staff to obtain the document check result; If it is determined based on the file check result that the business-related file related to the business processing request is incomplete, generating file incomplete information; After the incomplete document information is sent to the counter staff, the business processing flow is terminated.

5. The method according to any one of claims 1 to 4, characterized in that Performing review processing on the information to be reviewed included in each of the document image data, including: Comparing the information to be reviewed included in each of the document image data to obtain an information comparison result; wherein the information comparison result is used to indicate whether the information to be reviewed included in each of the document image data is consistent; Sending the information comparison result to a display interface of a computer device for display; Receive a confirmation operation from a backstage business person on the information comparison result displayed in the display interface of the computer device to obtain an information review result; wherein the information review result indicates whether the information to be reviewed has been reviewed and approved.

6. The method according to claim 5, characterized in that The method further comprises: If it is determined that the information review result indicates that the to-be-reviewed information has failed the review, a reason for the review failure is generated based on the information review result, and the reason for the review failure is fed back to the counter business personnel.

7. An account opening service processing device, characterized in that: include: A classification unit, for classifying and processing each file image data uploaded by the counter business personnel in response to the initiated business processing request, and obtaining a file classification result of each file image data; wherein the file image data indicates image data generated after the counter business personnel scans and processes the business-related file related to the business processing request; and the file classification result is used to determine whether the file image data indicates a standard format file; a marking unit, configured to mark the file image data indicating the non-standard format file determined by the file classification result, to obtain marked file image data; A recognition unit, configured to perform information extraction processing on the annotated file image data and the file image data indicating the standard format file determined by the file classification result according to a pre-trained image recognition technology, to obtain the to-be-reviewed information included in each of the file image data; The processing unit is used to review the information to be reviewed included in each of the document image data, and after determining that the information to be reviewed has passed the review, handle the business matching the business processing request.

8. A computer device, characterized in that: include: A processor, and a memory communicatively connected to the processor; The memory stores computer-executable instructions; The processor executes the computer-executable instructions stored in the memory to implement the method according to any one of claims 1 to 6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer-executable instructions, which are used to implement the method according to any one of claims 1 to 6 when executed by a processor.

10. A computer program product, characterized in that The invention comprises a computer program, which implements the method according to any one of claims 1 to 6 when being executed by a processor.

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