Information verification method and device based on card number customization, equipment and storage medium

Abstract

The invention relates to the field of data processing, and provides an information verification method based on card number customization, and the method comprises the steps: presetting an application condition corresponding to a customization scheme, carrying out the initial verification of a current user, determining a target verification node of secondary verification based on a target customization scheme matched with the current user, and carrying out the verification of the current user. And according to a target auditing node and an auditing sequence corresponding to the auditing node, corresponding node auditing is carried out on the current user in sequence, secondary verification of the current user is completed, and a card number customization request sent by the current user is responded according to a secondary verification result. In this way, auditing automation of the customized card number process is completed, the manual auditing workload is reduced, the process auditing efficiency of the customized card number is improved, auditing errors caused by the large manual workload are avoided, the result auditing accuracy of the customized card number is improved, and the user experience efficiency is further improved.

Description

Technical Field

[0001] The present invention relates to the fields of data processing and financial technology, and in particular to an information verification method, device, computer equipment and computer-readable storage medium based on card number customization. Background Art

[0002] As people's living standards improve, their requirements for quality of life are also getting higher and higher. Bank card numbers refer to the number codes on hard cards or electronic cards issued by various banks. However, the current bank card numbers have many digits, which is inconvenient for users to remember. Therefore, more and more users like to customize their bank card numbers according to their familiar or favorite numbers. As people's demand for customized bank card numbers increases, the review workload of the customized card number process also increases. The customized card number process includes the review of activity compliance conditions and the review of customized demand conditions. The current customized card number process is mainly manually reviewed by bank staff, which not only increases the review workload of bank staff, but also has low review efficiency and reduces user experience.

[0003] Therefore, how to solve the low efficiency of the current customization process review has become a technical problem that needs to be solved urgently. Summary of the invention

[0004] The main purpose of the present invention is to provide an information verification method, device, equipment and computer-readable storage medium based on card number customization, aiming to solve the technical problem of low efficiency of current customization process review.

[0005] To achieve the above object, the present invention provides an information verification method based on card number customization, the information verification method comprising the following steps:

[0006] Upon receiving a card number customization request, obtaining application conditions corresponding to at least one customization scheme, and performing an initial verification on the current user based on the application conditions of each customization scheme;

[0007] When the current user passes the initial verification, determining a customization scheme that matches the current user as a target customization scheme;

[0008] Based on the target customization scheme, determine the target audit node corresponding to the card number customization request, and based on the dependency relationship between the audit nodes, determine the audit order of the target audit nodes;

[0009] Based on the review order, the current user is verified twice in turn, and the verification result is fed back to the current user to complete the response to the card number customization request.

[0010] In addition, to achieve the above-mentioned purpose, the present invention also provides an information verification device customized based on a card number, the information verification device customized based on a card number comprising:

[0011] The user initial verification module is used to obtain the application conditions corresponding to at least one customization scheme when receiving a card number customization request, and perform initial verification on the current user based on the application conditions of each customization scheme;

[0012] A customization scheme determination module, configured to determine a customization scheme matching the current user as a target customization scheme when the current user passes the initial verification;

[0013] An audit sequence determination module, used to determine the target audit node corresponding to the card number customization request based on the target customization scheme, and determine the audit sequence of the target audit nodes based on the dependency relationship between the audit nodes;

[0014] The user secondary verification module is used to perform secondary verification on the current user in sequence based on the review order, and feed back the verification result to the current user to complete the response to the card number customization request.

[0015] In addition, to achieve the above-mentioned purpose, the present invention also provides a computer device, which includes a processor, a memory, and an information verification program customized based on the card number stored in the memory and executable by the processor, wherein when the information verification program customized based on the card number is executed by the processor, the steps of the information verification method customized based on the card number as described above are implemented.

[0016] In addition, to achieve the above-mentioned purpose, the present invention also provides a computer-readable storage medium, on which is stored an information verification program customized based on the card number, wherein when the information verification program customized based on the card number is executed by a processor, the steps of the information verification method customized based on the card number as described above are implemented.

[0017] The present application provides an information verification method based on card number customization. When receiving a card number customization request, the method obtains application conditions corresponding to at least one customization scheme, and performs initial verification on the current user based on the application conditions of each customization scheme; when the current user passes the initial verification, the customization scheme matching the current user is determined as the target customization scheme; based on the target customization scheme, the target audit node corresponding to the card number customization request is determined, and based on the dependency relationship between each audit node, the audit order of the target audit node is determined; based on the audit order, the current user is verified twice in sequence, and the verification result is fed back to the current user to complete the response to the card number customization request. In the above manner, the present application presets the application conditions corresponding to the customization scheme, performs initial verification on the current user, and then determines the target audit node for the secondary verification based on the target customization scheme matching the current user, and based on the target audit node and the audit order corresponding to the audit node, the corresponding node audit is performed on the current user in sequence to complete the secondary verification of the current user, and according to the secondary verification result, responds to the card number customization request sent by the current user. This completes the automation of the review of the customized card number process, which not only reduces the manual review workload and improves the efficiency of the customized card number process review, but also avoids review errors caused by large manual workload, improves the accuracy of the customized card number result review, and further improves user experience efficiency. BRIEF DESCRIPTION OF THE DRAWINGS

[0018] Figure 1 It is a flow chart of the first embodiment of the information verification method based on card number customization of the present invention;

[0019] Figure 2 It is a flow chart of the second embodiment of the information verification method based on card number customization of the present invention;

[0020] Figure 3 A schematic flow chart of a third embodiment of the information verification method based on card number customization of the present invention;

[0021] Figure 4 A schematic diagram of an information verification device customized based on a card number according to the present invention;

[0022] Figure 5 The figure is a schematic diagram of the hardware structure of a computer device involved in an embodiment of the present invention.

[0023] The realization of the purpose, functional features and advantages of the present invention will be further explained in conjunction with embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0024] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0025] The flowcharts shown in the accompanying drawings are only examples and do not necessarily include all the contents and operations / steps, nor must they be executed in the order described. For example, some operations / steps may also be decomposed, combined or partially merged, so the actual execution order may change according to actual conditions.

[0026] It should be understood that the terms used in this application specification are only for the purpose of describing specific embodiments and are not intended to limit the application. As used in this application specification and the appended claims, unless the context clearly indicates otherwise, the singular forms "a", "an" and "the" are intended to include plural forms.

[0027] It should be further understood that the term “and / or” used in the specification and appended claims refers to any combination and all possible combinations of one or more of the associated listed items, and includes these combinations.

[0028] The information verification method based on card number customization involved in the embodiment of the present invention is mainly applied to computer equipment. The information verification generation device based on card number customization can be a PC, a portable computer, a mobile terminal or other equipment with display and processing functions.

[0029] In conjunction with the accompanying drawings, some embodiments of the present application are described in detail below. In the absence of conflict, the following embodiments and features in the embodiments can be combined with each other.

[0030] Reference Figure 1 , Figure 1 This is a flow chart of the first embodiment of the information verification method based on card number customization of the present invention.

[0031] like Figure 1 As shown, an embodiment of the present invention provides an information verification method based on card number customization, and the information verification method based on card number customization includes steps S10 to S30.

[0032] In this embodiment, the information verification method based on card number customization is applied to a card number customization review system, and the information verification method based on card number customization includes the following steps:

[0033] Step S10: upon receiving a card number customization request, obtaining application conditions corresponding to at least one customization scheme, and performing an initial verification on the current user based on the application conditions of each customization scheme;

[0034] Due to its convenience, private card numbers are becoming more and more popular among users. As people's demand for customized bank card numbers grows, the workload of the private card number customization process also increases. The current private card number customization process (including activity compliance condition review and customization requirement condition review) is mainly manually reviewed by bank staff, which not only increases the review workload of bank staff, but also reduces the review efficiency and reduces the user experience.

[0035] In this embodiment, by presetting the application conditions corresponding to the customization scheme, the current user is initially verified, and then based on the target customization scheme that matches the current user, the target audit node for the secondary verification is determined, and based on the target audit node and the audit order corresponding to the audit node, the corresponding node audit is performed on the current user in sequence to complete the secondary verification of the current user, and according to the secondary verification result, the card number customization request sent by the current user is responded to. In this way, the audit automation of the customized card number process is completed, which not only reduces the manual audit workload and improves the process audit efficiency of the customized card number, but also avoids the audit errors caused by the large manual workload, improves the result audit accuracy of the customized card number, and further improves the user experience efficiency.

[0036] Specifically, when a card number customization request initiated by a user operation is received, the application qualification of the current user is first verified according to the application conditions corresponding to each customization scheme, that is, an initial verification is performed on the current user.

[0037] Among them, the card number customization plan includes customized payment plan and payment reduction plan. The customized payment plan includes customized payment plan and customized annual fee plan. The payment reduction plan includes customized fee reduction plan, annual fee reduction plan and minimum consumption customized plan. Different customized plans correspond to different application conditions. Each customized plan and its corresponding application conditions are added to the card number customization review system in advance to review the application qualifications of each user who initiates the customization of the card number.

[0038] Among them, users can send card number customization requests through the unified card number customization link. When the card number customization review system receives the card number customization request, it will compare the relevant information of the current user with the application conditions of different customization plans;

[0039] It is understandable that the user can also send the corresponding card number customization request through the activity link of each customization plan. Different activity links correspond to different customization plans, and then compare the application conditions of the corresponding customization plan with the relevant information of the current user.

[0040] In one embodiment, the data collection tool ADHOC can be used to collect relevant information of users who apply for customized card numbers, such as applying for relevant table permissions of the business party, and obtain relevant information of customers who apply for customized cards, such as customer number, account number, card issuance time, card approval time, first swipe time, card preservation and replacement number identification, etc.

[0041] After ADHOC collects the user's relevant information, it pushes the relevant information to the card number customization review system through the push system saturn.

[0042] Pre-configure the configuration conditions for each compliance activity in the card number customization review system (i.e., the application conditions for each customization plan), so that the card number customization review system can store and review the information files pushed by saturn, and the user can verify whether the customer meets the compliance adjustment for customization fee reduction according to the compliance activity rules (i.e., conduct customization fee reduction review). Further verification is performed on eligible customers (such as the validity of the customer's certificate, whether the card number customization transaction exists, etc.).

[0043] Furthermore, when receiving the card number customization request, obtaining the application conditions corresponding to at least one customization scheme, and performing an initial verification on the current user based on the application conditions of each customization scheme, further includes:

[0044] When the current user fails the initial verification, the customized payment plan is determined as the target customized plan.

[0045] In this embodiment, the customized payment plan may not set corresponding application conditions, and any user can pay the customization fee to customize the card number.

[0046] Specifically, when the relevant information of the current user does not meet the application conditions of any customized exemption plan, that is, it is determined that the current user has not passed the initial verification, the customized payment plan is determined as the target customized plan, so that the user can customize the card number by paying the customized fee.

[0047] It is understood that the initial verification is a verification of eligibility for applying for exemptions. If the initial verification is not passed, the applicant is not eligible for applying for exemptions.

[0048] The initial verification can also be used to check the eligibility for applying for card number customization. If the initial qualification verification is not passed, the eligibility for applying for card number customization is not met. The user can set it according to actual needs.

[0049] Step S20: when the current user passes the initial verification, determining a customization scheme that matches the current user as a target customization scheme;

[0050] In this embodiment, the paid customization plan is a card number customization plan that requires paying a customization fee, the annual fee customization plan is a card number customization plan that requires paying an annual fee, the customization fee reduction plan is a card number customization plan that requires paying an annual fee to reduce or waive the customization fee, the annual fee reduction plan is a card number customization plan that requires reducing or waiving the annual fee, and the minimum consumption customization plan is a card number customization plan that requires reducing or waiving the annual fee and customization fee by setting a minimum consumption amount for the user within a preset time period (such as one month, one quarter, or one year, etc.).

[0051] Specifically, when the current user sends a card number customization request through the unified card number customization link, the relevant information of the current user is compared with the application conditions corresponding to the paid customization plan, the annual fee customization plan, the customized fee reduction plan, the annual fee reduction plan and the minimum consumption plan, respectively, and when the relevant information matches the application conditions corresponding to any customization plan, it is determined that the current user has passed the initial verification; otherwise, it is determined that the current user has passed the initial verification.

[0052] When the current user sends a corresponding card number customization request through the active link of each customization plan, the relevant information of the current user is compared with the application conditions corresponding to the customization plan to which the active link belongs. If the relevant information matches the application conditions corresponding to the customization plan, it is determined that the current user has passed the initial verification; otherwise, it is determined that the current user has passed the initial verification.

[0053] When the current user passes the initial verification, the customization scheme matching the current user is used as the target customization scheme.

[0054] When the customized solution matching the current user is not unique, the customized solution with the greatest reduction or exemption strength is used as the target customized solution.

[0055] Furthermore, the historical minimum consumption amount of the current user within a preset time period is obtained, and if the historical minimum consumption amount reaches the minimum amount of the minimum consumption customization plan, the minimum consumption customization plan is determined as the target customization plan.

[0056] It is understandable that the priority of the reduction or exemption intensity of each customized plan can be pre-set, such as the paid customized plan, annual fee customized plan, customized fee reduction plan, annual fee reduction plan and minimum consumption customized plan, with the reduction or exemption intensity gradually increasing.

[0057] Step S30: based on the target customization scheme, determine the target audit node corresponding to the card number customization request, and based on the dependency relationship between the audit nodes, determine the audit order of the target audit nodes;

[0058] In this embodiment, each customization scheme and its corresponding audit node are stored in the scheme node mapping table in advance. The card number customization audit system determines the target audit node in the node mapping table based on the target customization scheme.

[0059] Different customized solutions correspond to different audit nodes, and there is a sequential dependency relationship between different audit nodes. The dependency relationship between each audit node is added to the card number customized audit system in advance, so that the card number customized audit system can determine the audit order of each target audit node based on the dependency relationship.

[0060] Specifically, the target audit node may be a system node in the card number customization audit system that automatically compares and audits the relevant information corresponding to the current user; the target audit node may also be a manual audit of the relevant information of the current user.

[0061] It is understandable that when there is no dependency between the target audit nodes, the relevant information of the current user can be audited in parallel through multiple audit nodes in the card number customization audit system to further improve the audit efficiency of the card number customization process.

[0062] Step S40: Based on the review order, perform secondary verification on the current user in turn, and feed back the verification result to the current user to complete the response to the card number customization request.

[0063] In this embodiment, according to the audit order of each target audit node, the relevant information of the current user is sent to each target audit node for secondary verification in turn, so as to verify the relevant information of the current user again, so as to determine whether the current user passes the verification corresponding to the card number customization solution. The verification result is fed back to the current user to respond to the card number customization request sent by the current user.

[0064] This embodiment provides an information verification method based on card number customization. When receiving a card number customization request, the method obtains application conditions corresponding to at least one customization scheme, and performs initial verification on the current user based on the application conditions of each customization scheme; when the current user passes the initial verification, the customization scheme matching the current user is determined as the target customization scheme; based on the target customization scheme, the target audit node corresponding to the card number customization request is determined, and based on the dependency relationship between each audit node, the audit order of the target audit node is determined; based on the audit order, the current user is verified twice in sequence, and the verification result is fed back to the current user to complete the response to the card number customization request. In the above manner, the present application presets the application conditions corresponding to the customization scheme, performs initial verification on the current user, and then determines the target audit node for the secondary verification based on the target customization scheme matching the current user, and based on the target audit node and the audit order corresponding to the audit node, the corresponding node audit is performed on the current user in sequence to complete the secondary verification of the current user, and according to the secondary verification result, responds to the card number customization request sent by the current user. This completes the automation of the review of the customized card number process, which not only reduces the manual review workload and improves the efficiency of the customized card number process review, but also avoids review errors caused by large manual workload, improves the accuracy of the customized card number result review, and further improves user experience efficiency.

[0065] Reference Figure 2 , Figure 2 This is a flow chart of the second embodiment of the information verification method based on card number customization of the present invention.

[0066] Based on the above Figure 1 In the embodiment shown, in this embodiment, the step S10 specifically includes:

[0067] Step S11, upon receiving the card number customization request, obtaining relevant information of the current user, wherein the relevant information includes at least one of identity information, bank statement details, and user credit score;

[0068] Step S12, obtaining application conditions for each customized plan, wherein the customized plan includes a customized payment plan and a payment reduction and exemption plan;

[0069] Step S13, comparing the relevant information with the application conditions of each customized solution respectively, so as to perform an initial verification on the current user according to the comparison result.

[0070] In this embodiment, the relevant information of the current user includes identity information, bank transaction details and user credit score; wherein, the identity information includes age, occupation, family members, etc., which is used to indicate the income stability of the current user, and the bank flow details include income and expenditure, etc., which are used to show the consumption of the current user; the user credit score includes loan overdue information, installment information and repayment information, etc., which is used to indicate the default probability of the current user.

[0071] Among them, the card number customization plan includes customized payment plan and payment reduction plan, the customized payment plan includes payment customization plan and annual fee customization plan, the payment reduction plan includes customized fee reduction plan, annual fee reduction plan and minimum consumption customization plan, etc.

[0072] The paid customization plan is a card number customization plan that requires paying a customization fee, the annual fee customization plan is a card number customization plan that requires paying an annual fee, the customization fee reduction plan is a card number customization plan that requires paying an annual fee to reduce or waive the customization fee, the annual fee reduction plan is a card number customization plan that requires reducing or waiving the annual fee, and the minimum consumption customization plan is a card number customization plan that requires reducing or waiving the annual fee and customization fee by setting a minimum consumption amount for the user within a preset time period (such as one month, one quarter or one year, etc.).

[0073] It is understandable that the application conditions of each card number customization scheme are preset in the card number customization review system. When receiving the card number customization request sent by the user, the relevant information of each user is compared and reviewed with the corresponding application conditions to perform an initial verification of the application qualification.

[0074] Furthermore, the payment reduction scheme includes an annual fee customization scheme and a minimum consumption scheme. When the current user passes the initial verification, a customization scheme matching the current user is determined, and the target customization scheme specifically includes:

[0075] When the current user passes the initial verification, determining the user level of the current user based on the identity information, the bank statement details and / or the user credit score;

[0076] When the user level exceeds a preset level threshold, determining the minimum consumption plan as the target customized plan;

[0077] When the user level does not exceed the preset level threshold, the annual fee customization plan is determined as the target customization plan.

[0078] In this embodiment, when the current user passes the initial verification, it is determined that the current user is eligible for application, and a customized solution that meets the current user's requirements is further determined.

[0079] Specifically, the user level is determined based on the identity information, bank flow details and user credit score. Among them, the higher the user's income level and consumption ability, and the more stable the income, the higher the user level. For example, when the user's income level is within 5K, the income level is level 1; when the user's income amount is 5K-10,000, the income level is level 2; when the user's income amount is 10,000-20,000, the income level is level 3; when the user's income amount is more than 20,000, the income level is level 4, etc.; when the consumption amount is less than 5K, the consumption ability is level 1; when the consumption amount is 5K-10,000, the consumption ability is level 2; when the consumption amount is 10,000-20,000, the consumption ability is level 3; when the consumption amount is more than 20,000, the consumption ability is level 4, etc. The higher the user's credit score, the higher the user level. For example, if the user's credit score is within 60 points, the user will be marked as an abnormal user, that is, the abnormal user will be on the blacklist of the reduced customization plan, that is, the abnormal user can only customize the card number by paying the customization fee or annual fee; when the user's credit score is 60-70, the user's credit level is level 1; when the user's credit score is 70-80, the user's credit level is level 2; when the user's credit score is 80-90, the user's credit level is level 3; when the user's credit score is above 90, the user's credit level is level 4, etc.

[0080] The user level is determined based on the income level, consumption ability level and credit level and their preset ratio, such as 1:1:2. For example, when the income level is 2, the consumption ability level is 2 and the credit level is 4, the user level is: 1 / 4×2+1 / 4×2+2 / 4×4=3.

[0081] The preset level threshold can be set to level 2, that is, users at level 3 and above (indicating users with higher spending power) can customize their card numbers through the minimum consumption plan, that is, users do not need to pay annual fees or card number customization fees, they only need to spend a minimum amount every month, quarter or year.

[0082] If the user level is at level 2, the card number customization fee can be reduced or waived, and the card number can be customized by paying an annual fee.

[0083] If the user level is at level 1, you will need to pay the card number customization fee in addition to the annual fee to customize the card number.

[0084] Furthermore, the information verification method based on card number customization also includes:

[0085] When the target customization plan is the annual fee customization plan, displaying card number customization fee reduction reminder information and annual fee payment fee to the current user through a billing page, so that the current user can confirm the fee;

[0086] When the target customization plan is the minimum consumption plan, the minimum consumption amount within a preset time period and the card number customization fee reduction reminder information are displayed to the current user through the bill page.

[0087] In this embodiment, when the target customization plan is a card number customization plan with a reduction or exemption (i.e., an annual fee customization plan), the reduction or exemption is initiated and displayed to the current user on the billing page. The card number customization fee reduction or exemption prompt information and the annual fee payment fee are displayed to the current user on the billing page for the current user to confirm the fee. Alternatively, the minimum consumption amount within a preset time period and the card number customization fee reduction or exemption prompt information are displayed to the current user on the billing page.

[0088] In a specific embodiment, a card number customization fee reduction report may be further generated, and an email component may be called to distribute the card number customization fee reduction report to relevant personnel.

[0089] Reference Figure 3 , Figure 3 This is a flow chart of a third embodiment of the information verification method based on card number customization according to the present invention.

[0090] Based on the above Figure 1 In the embodiment shown, in this embodiment, the step S40 specifically includes:

[0091] Step S41, obtaining a risk score of the current user based on a preset risk control model and the relevant information;

[0092] Step S42, obtaining the consumption value score of the current user based on the preset value prediction model and the relevant information;

[0093] Step S43, based on the review order, the relevant information, the risk score and the consumption value score are sent to corresponding review nodes in sequence, so that each review node can perform a secondary verification on the current user;

[0094] Step S44, feeding back the verification result to the current user to complete the response to the card number customization request.

[0095] In this embodiment, the relevant information is predicted based on a preset risk control model to obtain a risk score for indicating the default probability of the current user. The higher the risk score, the greater the default probability corresponding to the current user. Specifically, the occupation, age, loan overdue record, and bank income and expenditure details in the relevant information are input into the risk control model. The risk control model performs a risk score on the current user based on the above information.

[0096] Based on the value prediction model, the relevant information is predicted to obtain a consumption value score representing the current user's consumption capacity. The higher the consumption value score, the higher the corresponding consumption level of the current user. Specifically, the bank consumption details, loan records, and family member information (such as children with greater consumption potential) in the relevant information are input into the value prediction model, and the value prediction model performs a consumption value score on the current user based on the above information.

[0097] Based on the audit order corresponding to each target audit node, the relevant information, the risk score and the consumption value score are sent to the corresponding audit node for secondary verification. For example, the relevant information is sent to the identity verification node, the risk score is sent to the risk control node, and the consumption value score is sent to the consumption capacity assessment node for user verification. The verification result is fed back to the current user to complete the response to the card number customization request.

[0098] Furthermore, after sending the relevant information, the risk score and the consumption value score to the corresponding review node in sequence based on the review order, the method further includes:

[0099] If the identity information meets the preset identity condition, the risk score is less than the preset risk score threshold, and the consumption value score is greater than the preset value threshold, the secondary verification result is determined to be passed.

[0100] In this embodiment, if the identity information meets the preset identity conditions, the risk score is less than the preset risk score threshold, and the consumption value score is greater than the preset value threshold, the secondary verification result is determined to be passed, and the current user can customize the card number through the exemption customization plan.

[0101] Specifically, when the current user passes the secondary verification, the minimum consumption plan and the annual fee reduction plan can be pushed to the current user, so that the current user can choose according to actual needs; when the current user passes the initial verification but fails the secondary verification, the annual fee reduction plan and the customized fee reduction plan can be pushed to the current user.

[0102] See also Figure 4 , Figure 4 The embodiment of the present application provides a functional module diagram of an information verification device customized based on a card number.

[0103] like Figure 4 As shown, the information verification device 400 customized based on the card number includes:

[0104] The user initial verification module 10 is used to obtain application conditions corresponding to at least one customization scheme when receiving a card number customization request, and perform initial verification on the current user based on the application conditions of each customization scheme;

[0105] A customization scheme determining module 20, configured to determine a customization scheme matching the current user as a target customization scheme when the current user passes the initial verification;

[0106] An audit sequence determination module 30 is used to determine the target audit node corresponding to the card number customization request based on the target customization scheme, and determine the audit sequence of the target audit nodes based on the dependency relationship between the audit nodes;

[0107] The user secondary verification module 40 is used to perform secondary verification on the current user in sequence based on the review order, and feed back the verification result to the current user to complete the response to the card number customization request.

[0108] Furthermore, the user initial verification module 10 includes:

[0109] A related information acquisition unit, configured to acquire related information of the current user upon receiving the card number customization request, wherein the related information includes at least one of identity information, bank statement details, and user credit score;

[0110] An application condition acquisition unit, used to acquire the application conditions of each customized plan, wherein the customized plan includes a customized payment plan and a payment reduction and exemption plan;

[0111] The initial qualification verification unit is used to compare the relevant information with the application conditions of each customized plan respectively, so as to perform an initial verification on the current user according to the comparison result.

[0112] Furthermore, the user secondary verification module 40 includes:

[0113] A risk score calculation unit, configured to obtain a risk score of the current user based on a preset risk control model and the relevant information;

[0114] A consumption score calculation unit, used to obtain the consumption value score of the current user based on a preset value prediction model and the relevant information;

[0115] A user secondary verification unit, configured to send the relevant information, the risk score and the consumption value score to corresponding review nodes in sequence based on the review order, so that each review node can perform secondary verification on the current user;

[0116] The verification result feedback unit is used to feed back the verification result to the current user to complete the response to the card number customization request.

[0117] Furthermore, the user secondary verification module 40 is also used for:

[0118] If the identity information meets the preset identity condition, the risk score is less than the preset risk score threshold, and the consumption value score is greater than the preset value threshold, the secondary verification result is determined to be passed.

[0119] Furthermore, the customized solution determination module 20 specifically includes:

[0120] A user level determination unit, configured to determine the user level of the current user based on the identity information, the bank statement details and / or the user credit score when the current user passes the initial verification;

[0121] A first plan determination unit, configured to determine the minimum consumption plan as the target customized plan when the user level exceeds a preset level threshold;

[0122] The second plan determination unit is used to determine the annual fee customization plan as the target customization plan when the user level does not exceed the preset level threshold.

[0123] Furthermore, the information verification device 400 customized based on the card number also includes:

[0124] A bill page display module, used for displaying card number customization fee reduction reminder information and annual fee payment fee to the current user through a bill page when the target customization plan is the annual fee customization plan, so that the current user can confirm the fee;

[0125] The fee reduction prompt module is used to display the minimum consumption amount within a preset time period and the card number customization fee reduction prompt information to the current user through the bill page when the target customization plan is the minimum consumption plan.

[0126] Furthermore, the information verification device 400 customized based on the card number also includes:

[0127] The third plan determination module is used to determine the customized payment plan as the target customized plan when the current user fails the initial verification.

[0128] It should be noted that those skilled in the art can clearly understand that, for the convenience and brevity of description, the specific working process of the above-described device and each module can refer to the corresponding process in the aforementioned method embodiment, and will not be repeated here.

[0129] The above-mentioned device can be implemented in the form of a computer program. Figure 5 Runs on the computer device shown.

[0130] See also Figure 5 , Figure 5 1 is a schematic block diagram of a computer device provided in an embodiment of the present application. The computer device may be a server.

[0131] See also Figure 5 The computer device includes a processor, a memory and a network interface connected through a system bus, wherein the memory may include a non-volatile storage medium and an internal memory.

[0132] The non-volatile storage medium can store an operating system and a computer program. The computer program includes program instructions, and when the program instructions are executed, the processor can execute any information verification method customized based on the card number.

[0133] The processor is used to provide computing and control capabilities and support the operation of the entire computer equipment.

[0134] The internal memory provides an environment for the operation of the computer program in the non-volatile storage medium. When the computer program is executed by the processor, the processor can execute any information verification method customized based on the card number.

[0135] The network interface is used for network communication, such as sending assigned tasks, etc. Those skilled in the art will understand that Figure 5 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0136] It should be understood that the processor may be a central processing unit (CPU), and the processor may also be other general-purpose processors, digital signal processors (DSP), application-specific integrated circuits (ASIC), field-programmable gate arrays (FPGA) or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. Among them, the general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0137] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0138] Upon receiving a card number customization request, obtaining application conditions corresponding to at least one customization scheme, and performing an initial verification on the current user based on the application conditions of each customization scheme;

[0139] When the current user passes the initial verification, determining a customization scheme that matches the current user as a target customization scheme;

[0140] Based on the target customization scheme, determine the target audit node corresponding to the card number customization request, and based on the dependency relationship between the audit nodes, determine the audit order of the target audit nodes;

[0141] Based on the review order, the current user is verified twice in turn, and the verification result is fed back to the current user to complete the response to the card number customization request.

[0142] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0143] Upon receiving the card number customization request, obtaining relevant information of the current user, wherein the relevant information includes at least one of identity information, bank statement details, and user credit score;

[0144] Obtaining application conditions for each customized plan, wherein the customized plan includes a customized payment plan and a payment reduction or exemption plan;

[0145] The relevant information is compared with the application conditions of each customized solution respectively, so as to perform an initial verification on the current user according to the comparison result.

[0146] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0147] Based on the preset risk control model and the relevant information, obtain the risk score of the current user;

[0148] Based on the preset value prediction model and the relevant information, obtaining the consumption value score of the current user;

[0149] Based on the review order, the relevant information, the risk score and the consumption value score are sent to corresponding review nodes in sequence, so that each review node can perform a secondary verification on the current user;

[0150] Feedback the verification result to the current user to complete the response to the card number customization request.

[0151] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0152] If the identity information meets the preset identity condition, the risk score is less than the preset risk score threshold, and the consumption value score is greater than the preset value threshold, the secondary verification result is determined to be passed.

[0153] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0154] When the current user passes the initial verification, determining the user level of the current user based on the identity information, the bank statement details and / or the user credit score;

[0155] When the user level exceeds a preset level threshold, determining the minimum consumption plan as the target customized plan;

[0156] When the user level does not exceed the preset level threshold, the annual fee customization plan is determined as the target customization plan.

[0157] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0158] When the target customization plan is the annual fee customization plan, displaying card number customization fee reduction reminder information and annual fee payment fee to the current user through a billing page, so that the current user can confirm the fee;

[0159] When the target customization plan is the minimum consumption plan, the minimum consumption amount within a preset time period and the card number customization fee reduction reminder information are displayed to the current user through the bill page.

[0160] In one embodiment, the processor is used to run a computer program stored in the memory to implement the following steps:

[0161] When the current user fails the initial verification, the customized payment plan is determined as the target customized plan.

[0162] A computer-readable storage medium is also provided in an embodiment of the present application, wherein the computer-readable storage medium stores a computer program, wherein the computer program includes program instructions, and the processor executes the program instructions to implement any one of the information verification methods based on card number customization provided in the embodiments of the present application.

[0163] The computer-readable storage medium may be an internal storage unit of the computer device described in the above embodiment, such as a hard disk or memory of the computer device. The computer-readable storage medium may also be an external storage device of the computer device, such as a plug-in hard disk, a smart memory card (Smart Media Card, SMC), a secure digital (Secure Digital, SD) card, a flash card (Flash Card), etc. equipped on the computer device.

[0164] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any technician familiar with the technical field can easily think of various equivalent modifications or replacements within the technical scope disclosed in the present application, and these modifications or replacements should be included in the protection scope of the present application. Therefore, the protection scope of the present application shall be based on the protection scope of the claims.

Claims

1. A card number customized information verification method, characterized in that: The information verification method comprises the following steps: Upon receiving a card number customization request, obtaining application conditions corresponding to at least one customization scheme, and performing an initial verification on the current user based on the application conditions of each customization scheme; When the current user passes the initial verification, determining a customization scheme that matches the current user as a target customization scheme; Based on the target customization scheme, determine the target audit node corresponding to the card number customization request, and based on the dependency relationship between the audit nodes, determine the audit order of the target audit nodes; Based on the review order, the current user is verified twice in turn, and the verification result is fed back to the current user to complete the response to the card number customization request.

2. The information verification method based on card number customization as claimed in claim 1, characterized in that: When receiving the card number customization request, obtaining application conditions corresponding to at least one customization scheme, and performing initial verification on the current user based on the application conditions of each customization scheme, including: Upon receiving the card number customization request, obtaining relevant information of the current user, wherein the relevant information includes at least one of identity information, bank statement details, and user credit score; Obtaining application conditions for each customized plan, wherein the customized plan includes a customized payment plan and a payment reduction or exemption plan; The relevant information is compared with the application conditions of each customized solution respectively, so as to perform an initial verification on the current user according to the comparison result.

3. The information verification method based on card number customization as claimed in claim 2, characterized in that: The method of performing secondary verification on the current user in turn based on the review order and feeding back the verification result to the current user to complete the response to the card number customization request includes: Based on the preset risk control model and the relevant information, obtain the risk score of the current user; Based on the preset value prediction model and the relevant information, obtaining the consumption value score of the current user; Based on the review order, the relevant information, the risk score and the consumption value score are sent to corresponding review nodes in sequence, so that each review node can perform a secondary verification on the current user; Feedback the verification result to the current user to complete the response to the card number customization request.

4. The information verification method based on card number customization as claimed in claim 3, characterized in that: After the relevant information, the risk score and the consumption value score are sequentially sent to the corresponding review node based on the review order, the method further includes: If the identity information meets the preset identity condition, the risk score is less than the preset risk score threshold, and the consumption value score is greater than the preset value threshold, the secondary verification result is determined to be passed.

5. The information verification method based on card number customization as claimed in claim 2, characterized in that: The payment reduction and exemption scheme includes an annual fee customization scheme and a minimum consumption scheme. When the current user passes the initial verification, a customization scheme matching the current user is determined, and the target customization scheme specifically includes: When the current user passes the initial verification, determining the user level of the current user based on the identity information, the bank statement details and / or the user credit score; When the user level exceeds a preset level threshold, determining the minimum consumption plan as the target customized plan; When the user level does not exceed the preset level threshold, the annual fee customization plan is determined as the target customization plan.

6. The information verification method based on card number customization as claimed in claim 5, characterized in that: The information verification method based on card number customization also includes: When the target customization plan is the annual fee customization plan, displaying card number customization fee reduction reminder information and annual fee payment fee to the current user through a billing page, so that the current user can confirm the fee; When the target customization plan is the minimum consumption plan, the minimum consumption amount within a preset time period and the card number customization fee reduction reminder information are displayed to the current user through the bill page.

7. The information verification method based on card number customization according to any one of claims 2 to 6, characterized in that: When receiving the card number customization request, obtaining the application conditions corresponding to at least one customization scheme, and performing an initial verification on the current user based on the application conditions of each customization scheme, further comprising: When the current user fails the initial verification, the customized payment plan is determined as the target customized plan.

8. An information verification device customized based on card number, characterized in that: The information verification device customized based on the card number includes: The user initial verification module is used to obtain the application conditions corresponding to at least one customization scheme when receiving a card number customization request, and perform initial verification on the current user based on the application conditions of each customization scheme; A customization scheme determination module, configured to determine a customization scheme matching the current user as a target customization scheme when the current user passes the initial verification; An audit sequence determination module, used to determine the target audit node corresponding to the card number customization request based on the target customization scheme, and determine the audit sequence of the target audit nodes based on the dependency relationship between the audit nodes; The user secondary verification module is used to perform secondary verification on the current user in sequence based on the review order, and feed back the verification result to the current user to complete the response to the card number customization request.

9. A computer device, characterized in that: The computer device includes a processor, a memory, and an information verification program customized based on the card number stored in the memory and executable by the processor, wherein when the information verification program customized based on the card number is executed by the processor, the steps of the information verification method customized based on the card number as described in any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores an information verification program customized based on the card number, wherein when the information verification program customized based on the card number is executed by the processor, the steps of the information verification method customized based on the card number as described in any one of claims 1 to 7 are implemented.

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