Financial open business merchant authentication method, device, equipment and medium

Abstract

The invention relates to the field of information authentication technology and financial science and technology, and discloses a financial open business merchant authentication method, device, equipment and medium, and the method comprises the steps: collecting the merchant information and qualification file data of a target merchant, and encrypting the merchant information and qualification file data; performing identity verification on the encrypted merchant information to obtain an identity verification state of the target merchant, and performing qualification verification on the encrypted qualification file data to obtain a qualification state of the target merchant; when the identity verification state and the qualification state pass verification, extracting business characteristics corresponding to business data corresponding to the target merchant, and detecting risk types corresponding to the business characteristics by using a risk assessment model; determining an auditing state of the target merchant according to the risk type, feeding back the auditing state to the target merchant, and extracting a feedback result of the target merchant; and determining the authentication state of the target merchant according to the feedback result. According to the invention, the accuracy of merchant authentication can be improved.

Description

Technical Field

[0001] The present invention relates to the fields of information authentication technology and financial technology, and in particular to a method, device, equipment and medium for authenticating a merchant of a financial open business. Background Art

[0002] Merchant registration and authentication in financial business systems is an important type of solution technology in the field of information technology. It is mainly used to provide merchant registration and authentication, supporting merchants to easily submit their basic information and necessary documents, while supporting the management and verification of merchant identities and qualifications to ensure a safe and reliable transaction environment.

[0003] Currently, there are some solutions, products and technologies for merchant registration and authentication in the industry, which meet the needs of merchant registration and authentication to a certain extent. However, the merchant registration and authentication process involves multiple data sources and verification mechanisms, which leads to challenges in the consistency and accuracy of data collection, resulting in low accuracy in merchant authentication. Summary of the invention

[0004] The present invention provides a financial open business merchant authentication method, device, equipment and medium, the main purpose of which is to solve the technical problem of low accuracy when performing merchant authentication.

[0005] In a first aspect, a financial open business merchant authentication method is provided, comprising:

[0006] Collecting merchant information and qualification document data of the target merchant, and encrypting the merchant information and qualification document data;

[0007] Perform identity verification on the encrypted merchant information to obtain the identity verification status of the target merchant, and perform qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant;

[0008] When the identity verification status and the qualification status verification are passed, extracting the business features corresponding to the business data corresponding to the target merchant obtained in advance, and using the pre-built risk assessment model to detect the risk type corresponding to the business features;

[0009] Determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant;

[0010] The authentication status of the target merchant is determined according to the feedback result.

[0011] In a second aspect, a financial open service merchant authentication device is provided, including:

[0012] A data encryption module, used to collect merchant information and qualification file data of target merchants, and encrypt the merchant information and qualification file data;

[0013] The identity and qualification verification module is used to verify the identity of the encrypted merchant information to obtain the identity verification status of the target merchant, and to verify the qualifications of the encrypted qualification file data to obtain the qualification status of the target merchant;

[0014] A risk type detection module, for extracting business features corresponding to the business data corresponding to the target merchant acquired in advance when the identity verification status and the qualification status verification are passed, and detecting the risk type corresponding to the business features using a pre-built risk assessment model;

[0015] A feedback result extraction module, used to determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant;

[0016] The authentication status determination module is used to determine the authentication status of the target merchant according to the feedback result.

[0017] In a third aspect, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the steps of the above-mentioned financial open business merchant authentication method when executing the computer program.

[0018] In a fourth aspect, a computer-readable storage medium is provided, which stores a computer program, and when the computer program is executed by a processor, the steps of the above-mentioned financial open business merchant authentication method are implemented.

[0019] The embodiments of the present invention adopt more secure and reliable digital identity authentication technology, support flexible system architecture and modular functional components, can be customized and expanded according to needs, to support different business scenarios and changes, and can adapt to changing business needs; use algorithmic technologies such as automated data verification and intelligent risk assessment to realize automated review and audit of merchant registration and authentication processes, automated processing of data verification and risk assessment, improve the automation of merchant authentication processes, reduce the workload of manual review, and improve processing speed and accuracy; provide merchants with self-service platform capabilities or application integration methods, so that merchants can conveniently submit registration information and authentication documents, track progress, and obtain relevant notifications and updates in a timely manner, greatly improving user experience and reducing cumbersome manual intervention. Therefore, the financial open business merchant authentication method, device, equipment and medium proposed in the present invention can solve the problem of low accuracy when performing merchant authentication. BRIEF DESCRIPTION OF THE DRAWINGS

[0020] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments of the present invention will be briefly introduced below. Obviously, the accompanying drawings in the following description are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative labor.

[0021] Figure 1 This is a schematic diagram of an application environment of a financial open business merchant authentication method in one embodiment of the present invention;

[0022] Figure 2 It is a flow chart of a method for authenticating a merchant of a financial open service in one embodiment of the present invention;

[0023] Figure 3 yes Figure 1 A schematic flow chart of a specific implementation of step S1;

[0024] Figure 4 yes Figure 1 A schematic flow chart of a specific implementation of step S2;

[0025] Figure 5 It is a structural diagram of a financial open business merchant authentication device in one embodiment of the present invention;

[0026] Figure 6 is a schematic diagram of a structure of a computer device in one embodiment of the present invention;

[0027] Figure 7 It is another structural schematic diagram of a computer device in one embodiment of the present invention. DETAILED DESCRIPTION

[0028] The following will be combined with the drawings in the embodiments of the present invention to clearly and completely describe the technical solutions in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of the present invention.

[0029] The financial open business merchant authentication method provided by the embodiment of the present invention can be applied in Figure 1In an application environment, the client communicates with the server through a network. The server can collect the merchant information and qualification file data of the target merchant through the client, and encrypt the merchant information and qualification file data; authenticate the identity of the encrypted merchant information to obtain the identity authentication status of the target merchant, and perform qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant; when the identity authentication status and qualification status verification are passed, extract the business features corresponding to the business data corresponding to the pre-acquired target merchant, and use the pre-built risk assessment model to detect the risk type corresponding to the business features; determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant; determine the authentication status of the target merchant according to the feedback result. In the present invention, by adopting Using more secure and reliable digital identity authentication technology, supporting flexible system architecture and modular functional components, it can be customized and expanded according to needs to support different business scenarios and changes, and can adapt to changing business needs; using algorithm technologies such as automated data verification and intelligent risk assessment, the automated review and audit of merchant registration and authentication processes, the automated processing of data verification and risk assessment, improve the automation of merchant authentication processes, reduce the workload of manual audits, and improve processing speed and accuracy; provide merchants with self-service platform capabilities or application integration methods, so that merchants can conveniently submit registration information and authentication documents, track progress, and obtain relevant notifications and updates in a timely manner, greatly improve user experience, and reduce cumbersome manual intervention. Therefore, the financial open business merchant authentication method, device, equipment and medium proposed in the present invention can solve the problem of low accuracy when performing merchant authentication. Among them, the client can be but not limited to various personal computers, laptops, smart phones, tablet computers and portable wearable devices. The server can be implemented with an independent server or a server cluster composed of multiple servers. The present invention is described in detail below through specific embodiments.

[0030] See also Figure 2 As shown, Figure 2 A flowchart of a financial open business merchant authentication method provided by an embodiment of the present invention includes the following steps:

[0031] S1. Collect the merchant information and qualification document data of the target merchant, and encrypt the merchant information and the qualification document data.

[0032] In an embodiment of the present invention, the merchant information includes basic company information, legal representative information, business information, and bank account information, wherein the basic company information includes company name, unified social credit code, registration location, and establishment date; the legal representative information includes name, ID number, contact number, and email; business information includes main business scope, actual business location, industry category, etc.; bank account information includes the name and account number of the bank account for user settlement; the qualification document data includes a scanned copy of the business license, the legal representative's ID card, a bank account opening license, and a business license qualification document.

[0033] In detail, the merchant information and qualification file data of the target merchant can be collected from a pre-stored storage area through computer statements with data capture functions (such as Java statements, Python statements, etc.), where the storage area includes but is not limited to databases and blockchains.

[0034] Furthermore, in order to protect the security of data during transmission and storage, it is necessary to use security protocols and encryption algorithms to encrypt data for transmission.

[0035] In the embodiment of the present invention, in the process of verifying data, data transmission and storage are required, and a security protocol is used to achieve secure data transmission. The security protocol includes the TLS transport layer encryption protocol, which is mainly used to securely transmit data in the network and protect the communication between the browser and the server, and the SSH protocol. Not only the security protocol should be adopted, but also the data should be encrypted to achieve secure data transmission. The data encryption method is mainly in the process of data transmission and storage, and a combination of symmetric encryption and asymmetric encryption should be used to ensure the security of information. At the same time, the TLS protocol is also used in the transmission encryption process to ensure that the data transmitted between the client and the server will not be intercepted or tampered with.

[0036] In the embodiment of the present invention, referring to Figure 3 As shown, the encryption of the merchant information and the qualification file data includes:

[0037] S31, classifying the merchant information according to preset sensitivity levels to obtain merchant sensitive data corresponding to the sensitivity levels;

[0038] S32, classifying the qualification file data according to preset sensitivity levels to obtain qualification sensitive data corresponding to the sensitivity levels;

[0039] S33, determining an encryption algorithm according to the merchant sensitive data and the qualification sensitive data;

[0040] S34. Encrypt the merchant information and the qualification file data using an encryption key corresponding to the encryption algorithm.

[0041] In detail, the sensitivity levels are low, medium and high. Each field in the merchant information (such as name, address, income, credit score, etc.) is classified according to its sensitivity. For example, personal identification information and bank account information may be classified as high sensitivity, while income information may be considered medium sensitivity. Similarly, the information in qualification documents (such as business licenses, tax certificates, etc.) is classified into sensitivity levels. Some documents may contain important business information and therefore require a higher level of protection. For data with a low sensitivity level, basic symmetric encryption algorithms such as AES (Advanced Encryption Standard) can be used, which is more efficient and suitable for processing large amounts of data. For merchants, Customers' sensitive data (such as identity information and bank account information) should be encrypted and stored using the national encryption SM2 / SM4 to prevent data leakage, and then generate the corresponding key according to the selected encryption algorithm; for symmetric encryption, the key must be kept confidential and stored securely; for asymmetric encryption, the public key can be made public, while the private key must be strictly protected. The SM4 symmetric encryption algorithm and the SM2 elliptic curve public key cryptography algorithm can be used. The SM2 elliptic curve public key cryptography algorithm is mainly used for digital signatures and encryption; the SM4 symmetric encryption algorithm is mainly used for symmetric encrypted data transmission. The security protocol and encryption algorithm jointly ensure the confidentiality and integrity of merchant data during transmission, storage and processing.

[0042] Specifically, in order to ensure that different roles have limited access to system functions and data to protect data security, roles and their corresponding permissions are set, such as merchant permissions: submitting registration information, uploading files, checking progress, viewing notifications and feedback information; platform auditor permissions: viewing the registration information and files of all merchants and conducting manual review; platform administrator permissions: managing system configuration, user permission allocation, viewing all merchant data, and modifying platform settings; security auditor permissions: viewing all users' operation logs, abnormal behavior records, and conducting security assessments; security audits can also be used to monitor and record operational behaviors in the system to ensure operational compliance and the ability to respond quickly to abnormal situations, including operation log records. The system records logs of all important operations, including but not limited to user login, data access, data modification, file upload and other behaviors. The log contains information such as timestamp, operator, operation content, IP address, etc.; anomaly detection: the system analyzes the log in real time to identify abnormal behavior (such as multiple login failures, abnormal large-scale data downloads, unauthorized access attempts, etc.). Once abnormal behavior is detected, the system will automatically issue an alarm; audit query: the system can query the security audit report, listing all important operations and abnormal behaviors for security auditors to review, facilitating further investigation and improvement of security measures.

[0043] Furthermore, in order to ensure the authenticity of the merchant's identity, accuracy of information, business compliance and security, it is necessary to collect the merchant's basic information, verify their identity, and verify whether the documents they submit are compliant. At the same time, it is necessary to provide an efficient registration process to reduce the complexity of merchants' operations.

[0044] S2. Perform identity verification on the encrypted merchant information to obtain the identity verification status of the target merchant, and perform qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant.

[0045] In an embodiment of the present invention, the identity authentication status refers to whether the merchant determined after comparing and reviewing the merchant information meets the preset compliance standards, including full compliance, partial compliance and non-compliance, where full compliance means that all merchant field data meet the preset compliance requirements and the merchant's identity is confirmed; partial compliance means that some field data meet the requirements, but there are some non-compliance situations, which may require further review or additional information; non-compliance means that no field meets the preset requirements, the merchant's identity has not been confirmed, and it may need to be rejected or further investigated.

[0046] In the embodiment of the present invention, referring to Figure 4 As shown, the identity authentication of the encrypted merchant information is performed to obtain the identity authentication status of the target merchant, including:

[0047] S41, extracting the merchant field data corresponding to the encrypted merchant information;

[0048] S42, comparing the merchant field data with the pre-acquired merchant compliance field data one by one;

[0049] S43, counting the number of merchant field data that meet the preset merchant rules after comparison;

[0050] S44. Determine the identity authentication status of the target merchant according to the amount of the merchant field data.

[0051] In detail, the encrypted merchant information is extracted from the secure storage, and the corresponding decryption algorithm and key are used to decrypt it to obtain the original merchant field data. The merchant field data includes company name, unified social credit code, company registration address, name, ID number, account opening name, bank account number, tax identification number and tax registration certificate. Before comparison, it is necessary to obtain the merchant's compliance field data in advance. It can be integrated with third-party data providers and compliance agencies to conduct real-time verification and compliance checks of merchant registration information and documents to ensure the accuracy and compliance of merchant information.

[0052] Specifically, the decrypted merchant field data is compared with the compliance field data one by one, and the decrypted merchant field data is traversed. For each field, the corresponding compliance field data is found to compare the accuracy and consistency. For example, for the company name, check the matching degree between the company name and the official industrial and commercial information to ensure its legal existence; for the unified social credit code, compare it with the national enterprise credit information disclosure system to verify the legality of the company's registration information; for the company's registered address, verify whether the company's registered address is consistent with the business license to avoid false addresses or illegal business premises; for the name, check whether the name of the legal representative is consistent with the submitted identity document; for the identity card number, verify whether the company's registered address is consistent with the submitted identity document through a predetermined identity verification system or a third-party identity verification service The bank will verify the authenticity and validity of the bank account number with the bank system; the tax identification number will verify the legality of its tax information through the national tax system; the tax registration certificate will ensure that the information on the tax registration certificate is consistent with the company information; during the comparison process, the number of merchant field data that meets the preset merchant rules is recorded, and the identity verification status of the target merchant is determined based on the number of merchant field data that meet the conditions, such as full compliance: all fields meet the preset rules; partial compliance: some fields meet, but some fields do not meet; non-compliant: no fields meet the preset rules.

[0053] Furthermore, not only the merchant's identity information needs to be verified, but also the qualification documents uploaded by the merchant need to be verified. The merchant needs to submit the required qualification documents and other supporting materials for the platform to review and verify the accuracy and legality of the merchant information.

[0054] In an embodiment of the present invention, the qualification status refers to the compliance and legality assessment results of a merchant or individual under specific conditions, which usually reflects whether the merchant complies with relevant laws and regulations, industry standards and the requirements of partners, including full compliance: all relevant qualification documents and data comply with regulations, and the merchant can operate normally; partial compliance: some qualifications comply with regulations, but there are some non-compliance situations, which may require further review or supplementary materials; non-compliance: no qualifications comply with regulations, and the merchant may face risks or be refused cooperation.

[0055] In the embodiment of the present invention, the step of performing qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant includes:

[0056] Extract the qualification field data corresponding to the encrypted qualification file data;

[0057] Comparing the qualification field data with the pre-acquired qualification compliance field data one by one;

[0058] The number of qualification field data that meet the preset qualification rules after statistical comparison;

[0059] The qualification status of the target merchant is determined according to the quantity of data in the qualification field.

[0060] In detail, the corresponding decryption algorithm and key are used to decrypt the data to obtain the original qualification field data. The qualification field data includes a scanned copy of the business license, the legal representative's ID card, and the industry qualification or business license. Before comparison, it is necessary to obtain the merchant's qualification compliance field data in advance. This can be achieved by integrating with third-party data providers and compliance agencies to conduct real-time verification and compliance checks of merchant registration information and documents to ensure the accuracy and compliance of merchant information.

[0061] Specifically, each decrypted qualification field data is compared one by one to determine whether it meets the preset compliance standards. For example, for a scanned copy of a business license, image recognition is used to verify whether the business license information is consistent with the national enterprise information system database; for the legal representative's ID card, OCR technology is used to extract the ID card information, and the data is verified by relevant management departments to verify its legality and validity; for industry qualifications or business licenses, the legality and validity period are verified with relevant agencies in accordance with industry requirements; during the comparison process, the number of fields that meet the preset qualification rules is recorded. If both the scanned copy of the business license and the legal representative's ID card are qualified, the number of fields that meet the preset qualification rules is 2. If the number of compliance reaches more than 70% of the total number of fields, it is considered compliant, and then the qualification status of the target merchant is judged based on the number of qualified qualification field data: fully compliant: all fields meet the preset rules; partially compliant: some fields meet, and there are non-compliance; non-compliant: no fields meet the preset rules.

[0062] Furthermore, after successful verification of the legal person's identity and merchant qualifications, a risk assessment will be conducted on the merchant to identify potential violations or risky behaviors. If the verification of the legal person's identity and merchant qualifications fails, the information data uploaded by the merchant will be returned to the user and submitted for review after the user re-evaluates.

[0063] S3. When the identity authentication status and the qualification status are verified, the business features corresponding to the business data corresponding to the target merchant obtained in advance are extracted, and the risk type corresponding to the business features is detected using a pre-built risk assessment model.

[0064] In an embodiment of the present invention, when the identity authentication status and the qualification status verification are passed, the business features corresponding to the business data corresponding to the pre-acquired target merchant are extracted. Since the pre-acquired business data of the target merchant requires large-scale parallel computing and data analysis of the merchant information, the business data is cleaned to remove noise, redundant or invalid data to ensure the integrity and accuracy of the merchant data; data aggregation: data from different sources are summarized, such as merging merchant transaction records, financial information, geographic location, etc. to generate a complete data set; important features (such as industry risks, historical transaction frequencies, etc.) are extracted from merchant data to provide input for subsequent evaluations; the overall status of merchants is displayed through charts and dashboards to help reviewers identify high-risk areas and industry patterns.

[0065] In detail, the business data includes financial status, industry information, and business characteristics corresponding to the business data are extracted. The business characteristics include transaction frequency, transaction amount, and regional risk. The business characteristics corresponding to the business data can be extracted through computer statements with data capture functions.

[0066] Furthermore, in the automated review and audit process of merchant registration and certification, intelligent algorithms are used to improve efficiency and risk prediction, including: Decision tree algorithm: Classify the merchant's registration information and certification documents through a series of conditional judgments. For example, determine whether further review is required based on factors such as the merchant's place of registration, industry type, and legal person identity; Logistic regression algorithm, which is mainly used to evaluate the relationship between risks such as open banking merchant compliance, and predict potential risks by scoring merchant attributes (such as financial status, etc.).

[0067] In an embodiment of the present invention, the risk types include credit risk, whether the merchant has a bad credit record or arrears; compliance risk, whether the merchant complies with industry supervision and legal requirements, and whether it has the necessary qualification certificates; financial risk, whether the merchant's financial health is normal, and whether there is any suspicious flow of funds; fraud risk, whether the merchant has violated regulations or fraudulent behavior, such as submitting false documents.

[0068] In the embodiment of the present invention, the detecting the risk type corresponding to the business feature by using a pre-built risk assessment model includes:

[0069] Classifying the business characteristics using a pre-built risk assessment model to obtain business characteristic categories;

[0070] Comparing the business feature category with the feature threshold in the risk assessment model;

[0071] When the characteristic values ​​corresponding to the business characteristic categories are all greater than the characteristic threshold, the risk level corresponding to the business characteristic is determined as a high risk level, and the high risk type corresponding to the business characteristic is determined according to the high risk level;

[0072] When any characteristic value corresponding to the service characteristic category is greater than the characteristic threshold, the risk level corresponding to the service characteristic is determined as a low risk level, and the low risk type corresponding to the service characteristic is determined according to the low risk level;

[0073] When the characteristic values ​​corresponding to the business characteristic categories are all smaller than the characteristic threshold, the risk level corresponding to the business characteristic is determined as a no-risk level.

[0074] In detail, the pre-built risk assessment model first extracts important indicators (such as transaction frequency, transaction amount, regional risk, etc.) from the merchant's financial status, industry information and other data; selects the most relevant features for risk assessment through correlation analysis or feature importance ranking, such as the merchant's transaction pattern, source of funds, destination of funds, etc.; selects suitable machine learning models such as decision trees and logistic regression according to data type and business needs; annotates known high-risk merchant and low-risk merchant data so that the model learns to distinguish different risk levels; evaluates the model through cross-validation to ensure that it can correctly classify unseen merchant data; applies the trained model to the production environment, continuously monitors the model's performance, and adjusts and updates the model based on new risk information.

[0075] Specifically, the business characteristics are divided into transaction frequency, transaction amount, and regional risk. The characteristic value of each business characteristic category is compared with the characteristic threshold set by the model to determine its risk level. If the characteristic values ​​of all business characteristic categories are greater than the characteristic threshold, the risk level corresponding to the business characteristic is determined to be high risk, and the corresponding high-risk type is identified and determined, such as financial risk, fraud risk, etc.; if at least one business characteristic category has a characteristic value greater than the characteristic threshold, but not all characteristic values ​​exceed the threshold, the risk level corresponding to the business characteristic is determined to be low risk, and the corresponding low-risk type is identified and determined, such as compliance risk and credit risk; if the characteristic values ​​of all business characteristic categories are less than the characteristic threshold, the risk level corresponding to the business characteristic is determined to be risk-free.

[0076] Furthermore, hidden patterns can be identified from a large amount of open banking merchant data through data mining (such as cluster analysis, association rules, classification, etc.). For example, merchants can be grouped according to their behavioral characteristics using cluster analysis to discover potential high-risk groups. Graph algorithms (such as the shortest path algorithm) can be used to analyze the relationship network between merchants and other companies or individuals to identify whether there are fraud groups or illegal activities. Data analysis technology can be used to identify potential risk behaviors (for example, fraudulent behavior) and trigger corresponding alarms and security measures. The corresponding alarms include real-time risk alarms. When there are abnormalities in merchant registration information or transaction behavior (such as inconsistent information, frequent changes of address, and abnormal fund flow), the system automatically generates an alarm; fraud alarms. When potential fraudulent behavior is detected (such as repeated submission of the same file, abnormal transaction patterns), the system will immediately send an alarm to the management personnel; compliance alarms. If the merchant If the submitted materials do not meet regulatory requirements (such as lack of qualification certificates, provision of false information), a compliance alert will be generated and a manual review will be prompted; once the alert is triggered, the following security measures will be taken: for merchants that trigger the alert, the review standards will be automatically tightened, such as requiring more identity or financial proof materials, or handing over merchant information to manual reviewers for more in-depth review; merchants will be classified into risk levels, and high-risk merchants will have some service functions restricted (such as suspending transactions or withdrawal functions); if serious fraud or compliance risks are detected, a notification will be automatically sent to the regulatory compliance team for further investigation; for high-risk operations (such as large transactions, modification of key information), merchants are required to improve security through additional identity authentication (such as SMS verification codes or biometrics), so that potential risks in merchant registration and transaction processes can be quickly identified and responded to, ensuring the security and compliance of banking business processes.

[0077] Furthermore, the authentication process for merchants will provide real-time notifications and updates, including registration progress, review results and related notifications. Through email, SMS or push notifications, information will be exchanged with merchants in a timely manner to ensure the timeliness and accuracy of the information.

[0078] S4. Determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant.

[0079] In an embodiment of the present invention, the audit status refers to the specific identification of the current progress and results of the merchant or application during the audit process, reflecting the stage or result of the audit so that relevant parties can understand the audit progress and subsequent steps. The audit status includes pending review: the submitted materials have not yet been reviewed; under review: the audit is in progress and no results have been obtained; passed review: the audit results meet the requirements and the application has been approved; failed review: the audit results do not meet the requirements and the application is rejected; additional materials required: the auditor needs additional information or documents to continue the review.

[0080] In the embodiment of the present invention, determining the review status of the target merchant according to the risk type includes:

[0081] Determine the review progress of the target merchant according to the risk type;

[0082] Determining the audit information of the target merchant according to the audit progress;

[0083] The audit status of the target merchant is generated through the audit information.

[0084] In detail, the main risk types faced by different merchants, such as financial risk, compliance risk, credit risk, and fraud risk, are identified. According to different risk types, the corresponding audit progress is set. For example, high-risk merchants may require more stringent and detailed audits, and the audit progress is slower. Low-risk merchants may have a faster audit and the progress is updated in a timely manner. According to the audit progress, relevant audit information of the merchants is collected, such as submitted documents, review results, requests for additional materials, etc. The audit information is integrated to generate the merchant's audit status.

[0085] Specifically, the review status is fed back to the target merchant, and the feedback results of the target merchant are extracted, that is, information interaction is required between the merchant and the platform. First, the registration progress is updated: after the merchant submits the registration information, the platform needs to update the registration progress in real time, including: Submission confirmation notification: after the merchant successfully submits the registration information, the system automatically sends a confirmation notification to inform the merchant that the registration application has been received, and provides guidance on the subsequent steps; Review progress notification: at different stages of the registration information entering the review process, the merchant needs to know the current status of the review, such as "under review", "documents to be supplemented", "review passed" or "review failed", etc.; Information supplement notification: if the registration information or documents submitted by the merchant are incomplete or do not meet the requirements, the system will promptly notify the merchant to supplement the missing information or documents, and provide specific supplementary instructions. Through these information exchanges, merchants can maintain a clear understanding of the dynamics of the open banking platform during registration, authentication and subsequent business operations, improve user experience and ensure the transparency and security of the process.

[0086] Furthermore, through feedback results, merchants can promptly learn of any information that needs to be improved or supplemented, reducing unnecessary delays. A clear certification status can speed up the decision-making process and reduce the submission of duplicate materials, thereby improving overall review efficiency.

[0087] S5. Determine the authentication status of the target merchant according to the feedback result.

[0088] In the embodiment of the present invention, the certification status refers to the specific stage or result that the merchant or entity is currently in during the review and certification process. It usually reflects whether the merchant meets specific standards and requirements, as well as its progress in the certification process.

[0089] In the embodiment of the present invention, determining the authentication status of the target merchant according to the feedback result includes:

[0090] Testing the feedback result to obtain a test result;

[0091] Generate the review update progress of the target merchant according to the detection result;

[0092] The authentication status of the target merchant is determined according to the review update progress.

[0093] In detail, the received feedback results are tested to analyze their validity and completeness. According to the test results, the merchant's review progress is updated. If the feedback results show that the materials are complete and meet the standards, they are updated to "under review" or "pending confirmation". If additional materials are required, they are marked as "supplementary materials required" and the merchant is notified. According to the review update progress, the merchant's certification status is finally determined. The certification status includes: Pending review: the review has not yet started; Under review: the review is in progress; Passed review: the review has been completed and passed; Failed review: the reason for the failure has been notified to the merchant; Supplementary materials are required: the merchant is required to provide additional materials to continue the review, and there will be a review pass notification and a rejection or failure review notification. According to the review pass notification, if the merchant's registration information and documents have passed the platform review, the system will send a review pass notification to confirm that the merchant has completed registration and can carry out subsequent business operations; Rejection or failure review notification, if the merchant fails the review, the system will explain the reasons for the rejection in detail, including "incomplete information", "documents do not meet the requirements", "identity authentication failed", etc. Merchants can make adjustments and resubmit according to the notification.

[0094] Specifically, the status of the merchant account will be detected during the authentication process. If the system detects abnormal behavior in the merchant account (such as frequent login failures, account logins by suspicious IP addresses), a security warning notification will be sent to remind the merchant to take measures, such as changing the password or enabling multi-factor authentication. After the merchant uses the platform service, the real-time update of the transaction status (such as "transaction completed", "transaction failed") needs to be notified to the merchant in a timely manner to ensure that it understands the transaction status; in addition, if the platform needs to perform system maintenance or version upgrades, which may affect the merchant's use, the platform needs to notify the merchant in advance and inform them of the maintenance time and the scope of the impact.

[0095] Furthermore, in order to provide merchants with a self-service platform, merchants can conveniently submit registration information, upload files, query progress, etc., including information collection, which is responsible for receiving and storing various types of information submitted by merchants, and providing input field verification and format verification functions to ensure that the submitted information meets the requirements; identity verification, including the function of verifying the merchant's legal person identity, business license, tax information, etc. Real-time verification is achieved by connecting to third-party data sources; file upload, supports merchants to upload files, provides file format and size restrictions, and provides security measures for file storage on the server; data verification, integrates with third-party platforms, verifies whether the merchant's identity information and files are legal, and returns the verification results; audit, audits the information and files submitted by merchants, and reduces manual intervention and improves audit efficiency through process and system optimization; progress query, merchants can query the progress of registration or certification at any time, and view the audit results or information that needs to be supplemented; notification, automatically pushes real-time information related to merchant registration, such as audit passing, supplementary information requirements, etc., using SMS, platform notifications, etc.; risk assessment, risk scoring and monitoring of merchants, marking potential high-risk merchants and triggering corresponding security measures.

[0096] It can be seen that in the above scheme, by adopting more secure and reliable digital identity authentication technology, supporting flexible system architecture and modular functional components, it can be customized and expanded according to needs to support different business scenarios and changes, and can adapt to changing business needs; using algorithm technologies such as automated data verification and intelligent risk assessment, the automated review and audit of merchant registration and authentication processes, the automated processing of data verification and risk assessment, improve the automation of merchant authentication processes, reduce the workload of manual audits, and improve processing speed and accuracy; provide merchants with self-service platform capabilities or application integration methods, so that merchants can conveniently submit registration information and authentication documents, track progress, and obtain relevant notifications and updates in a timely manner, greatly improving user experience and reducing cumbersome manual intervention. Therefore, the financial open business merchant authentication method, device, equipment and medium proposed in the present invention can solve the problem of low accuracy when performing merchant authentication.

[0097] It should be understood that the order of execution of the steps in the above embodiment does not necessarily mean the order of execution. The execution order of each process should be determined by its function and internal logic, and should not constitute any limitation on the implementation process of the embodiment of the present invention.

[0098] In one embodiment, a financial open service merchant authentication device is provided, and the financial open service merchant authentication device corresponds to the financial open service merchant authentication method in the above embodiment. Figure 5As shown, the financial open business merchant authentication device includes a data encryption module 101, an identity and qualification verification module 102, a risk type detection module 103, a feedback result extraction module 104 and an authentication status determination module 105. The functional modules are described in detail as follows:

[0099] The data encryption module 101 is used to collect the merchant information and qualification file data of the target merchant, and encrypt the merchant information and the qualification file data;

[0100] The identity and qualification verification module 102 is used to perform identity verification on the encrypted merchant information to obtain the identity verification status of the target merchant, and to perform qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant;

[0101] The risk type detection module 103 is used to extract the business characteristics corresponding to the business data corresponding to the target merchant obtained in advance when the identity verification status and the qualification status verification are passed, and detect the risk type corresponding to the business characteristics by using the pre-built risk assessment model;

[0102] A feedback result extraction module 104 is used to determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant;

[0103] The authentication status determination module 105 is used to determine the authentication status of the target merchant according to the feedback result.

[0104] In one embodiment, the data encryption module 101 is specifically used for:

[0105] Classify the merchant information according to preset sensitivity levels to obtain merchant sensitive data corresponding to the sensitivity levels;

[0106] Dividing the qualification file data according to preset sensitivity levels to obtain qualification sensitive data corresponding to the sensitivity levels;

[0107] Determine an encryption algorithm according to the merchant sensitive data and the qualification sensitive data;

[0108] The merchant information and the qualification file data are encrypted using an encryption key corresponding to the encryption algorithm.

[0109] In one embodiment, the identity and qualification verification module 102 is specifically used to:

[0110] Extract the merchant field data corresponding to the encrypted merchant information;

[0111] Comparing the merchant field data with the pre-acquired merchant compliance field data one by one;

[0112] Count the number of merchant field data that meet the preset merchant rules after comparison;

[0113] The identity verification status of the target merchant is determined according to the amount of the merchant field data.

[0114] In one embodiment, the identity and qualification verification module 102 is further used to:

[0115] Extract the qualification field data corresponding to the encrypted qualification file data;

[0116] Comparing the qualification field data with the pre-acquired qualification compliance field data one by one;

[0117] The number of qualification field data that meet the preset qualification rules after statistical comparison;

[0118] The qualification status of the target merchant is determined according to the quantity of data in the qualification field.

[0119] In one embodiment, the risk type detection module 103 is specifically configured to:

[0120] Classifying the business characteristics using a pre-built risk assessment model to obtain business characteristic categories;

[0121] Comparing the business feature category with the feature threshold in the risk assessment model;

[0122] When the characteristic values ​​corresponding to the business characteristic categories are all greater than the characteristic threshold, the risk level corresponding to the business characteristic is determined as a high risk level, and the high risk type corresponding to the business characteristic is determined according to the high risk level;

[0123] When any characteristic value corresponding to the service characteristic category is greater than the characteristic threshold, the risk level corresponding to the service characteristic is determined as a low risk level, and the low risk type corresponding to the service characteristic is determined according to the low risk level;

[0124] When the characteristic values ​​corresponding to the business characteristic categories are all smaller than the characteristic threshold, the risk level corresponding to the business characteristic is determined as a no-risk level.

[0125] In one embodiment, the feedback result extraction module 104 is specifically used to:

[0126] Determine the review progress of the target merchant according to the risk type;

[0127] Determining the audit information of the target merchant according to the audit progress;

[0128] The audit status of the target merchant is generated through the audit information.

[0129] In one embodiment, the authentication status determination module 105 is specifically configured to:

[0130] Testing the feedback result to obtain a test result;

[0131] Generate the review update progress of the target merchant according to the detection result;

[0132] The authentication status of the target merchant is determined according to the review update progress.

[0133] The present invention provides a financial open business merchant authentication device, which adopts a more secure and reliable digital identity authentication technology, supports a flexible system architecture and modular functional components, can be customized and expanded according to needs, to support different business scenarios and changes, and can adapt to changing business needs; utilizes algorithm technologies such as automated data verification and intelligent risk assessment to realize automated review and audit of merchant registration and authentication processes, automated processing of data verification and risk assessment, improves the automation of merchant authentication processes, reduces the workload of manual review, and improves processing speed and accuracy; provides merchants with self-service platform capabilities or application integration methods, enables merchants to conveniently submit registration information and authentication documents, track progress, and obtain relevant notifications and updates in a timely manner, greatly improves user experience, and reduces cumbersome manual intervention. Therefore, the financial open business merchant authentication method, device, equipment and medium proposed by the present invention can solve the problem of low accuracy when performing merchant authentication.

[0134] For the specific definition of the financial open business merchant authentication device, please refer to the definition of the intelligent question and answer method above, which will not be repeated here. Each module in the above-mentioned financial open business merchant authentication device can be implemented in whole or in part by software, hardware and a combination thereof. The above-mentioned modules can be embedded in or independent of the processor in the computer device in the form of hardware, or can be stored in the memory of the computer device in the form of software, so that the processor can call and execute the operations corresponding to the above modules.

[0135] In one embodiment, a computer device is provided. The computer device may be a server, and its internal structure diagram may be as follows: Figure 6As shown. The computer device includes a processor, a memory, a network interface and a database connected via a system bus. Among them, the processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile and / or volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program and a database. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external client via a network connection. When the computer program is executed by the processor, it implements the functions or steps of a service-side method for merchant authentication of a financial open business.

[0136] In one embodiment, a computer device is provided. The computer device may be a client, and its internal structure diagram may be as follows: Figure 7 As shown. The computer device includes a processor, a memory, a network interface, a display screen and an input device connected via a system bus. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The network interface of the computer device is used to communicate with an external server via a network connection. When the computer program is executed by the processor, it implements the functions or steps on the client side of a financial open business merchant authentication method

[0137] In one embodiment, a computer device is provided, including a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the following steps when executing the computer program:

[0138] Collecting merchant information and qualification document data of the target merchant, and encrypting the merchant information and qualification document data;

[0139] Perform identity verification on the encrypted merchant information to obtain the identity verification status of the target merchant, and perform qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant;

[0140] When the identity verification status and the qualification status verification are passed, extracting the business features corresponding to the business data corresponding to the target merchant obtained in advance, and using the pre-built risk assessment model to detect the risk type corresponding to the business features;

[0141] Determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant;

[0142] The authentication status of the target merchant is determined according to the feedback result.

[0143] In one embodiment, a computer readable storage medium is provided, on which a computer program is stored, and when the computer program is executed by a processor, the following steps are implemented:

[0144] Collecting merchant information and qualification document data of the target merchant, and encrypting the merchant information and qualification document data;

[0145] Perform identity verification on the encrypted merchant information to obtain the identity verification status of the target merchant, and perform qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant;

[0146] When the identity verification status and the qualification status verification are passed, extracting the business features corresponding to the business data corresponding to the target merchant obtained in advance, and using the pre-built risk assessment model to detect the risk type corresponding to the business features;

[0147] Determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant;

[0148] The authentication status of the target merchant is determined according to the feedback result.

[0149] It should be noted that the above functions or steps that can be implemented by the computer-readable storage medium or computer device can refer to the relevant descriptions on the server side and the client side in the aforementioned method embodiment. To avoid repetition, they will not be described one by one here.

[0150] Those skilled in the art can understand that all or part of the processes in the above-mentioned embodiment methods can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to memory, storage, database or other media used in the embodiments provided in this application can include non-volatile and / or volatile memory. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM) or flash memory. Volatile memory can include random access memory (RAM) or external cache memory. As an illustration and not limitation, RAM is available in many forms, such as static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double data rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous link (Synchlink) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).

[0151] Those skilled in the art can clearly understand that for the convenience and simplicity of description, only the division of the above-mentioned functional units and modules is used as an example. In actual applications, the above-mentioned functions can be distributed and completed by different functional units and modules as needed, that is, the internal structure of the device can be divided into different functional units or modules to complete all or part of the functions described above.

[0152] The embodiments described above are only used to illustrate the technical solutions of the present invention, rather than to limit it. If software tools or components other than those of the company appear in the application embodiments, they are only used for illustrative purposes and do not represent actual use. Although the present invention has been described in detail with reference to the aforementioned embodiments, a person of ordinary skill in the art should understand that the technical solutions described in the aforementioned embodiments may still be modified, or some of the technical features thereof may be replaced by equivalents. Such modifications or replacements do not deviate the essence of the corresponding technical solutions from the spirit and scope of the technical solutions of the embodiments of the present invention, and should all be included in the protection scope of the present invention.

Claims

1. A financial open business merchant authentication method, characterized in that: include: Collecting merchant information and qualification document data of the target merchant, and encrypting the merchant information and qualification document data; Perform identity verification on the encrypted merchant information to obtain the identity verification status of the target merchant, and perform qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant; When the identity verification status and the qualification status verification are passed, extracting the business features corresponding to the business data corresponding to the target merchant obtained in advance, and using the pre-built risk assessment model to detect the risk type corresponding to the business features; Determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant; The authentication status of the target merchant is determined according to the feedback result.

2. The financial open business merchant authentication method according to claim 1, characterized in that: The encrypting the merchant information and the qualification file data includes: Classify the merchant information according to preset sensitivity levels to obtain merchant sensitive data corresponding to the sensitivity levels; Dividing the qualification file data according to preset sensitivity levels to obtain qualification sensitive data corresponding to the sensitivity levels; Determine an encryption algorithm according to the merchant sensitive data and the qualification sensitive data; The merchant information and the qualification file data are encrypted using an encryption key corresponding to the encryption algorithm.

3. The financial open business merchant authentication method according to claim 1, characterized in that: The step of performing identity authentication on the encrypted merchant information to obtain the identity authentication status of the target merchant includes: Extract the merchant field data corresponding to the encrypted merchant information; Comparing the merchant field data with the pre-acquired merchant compliance field data one by one; Count the number of merchant field data that meet the preset merchant rules after comparison; The identity verification status of the target merchant is determined according to the amount of the merchant field data.

4. The financial open business merchant authentication method according to claim 1, characterized in that: The step of performing qualification verification on the encrypted qualification file data to obtain the qualification status of the target merchant includes: Extract the qualification field data corresponding to the encrypted qualification file data; Comparing the qualification field data with the pre-acquired qualification compliance field data one by one; The number of qualification field data that meet the preset qualification rules after statistical comparison; The qualification status of the target merchant is determined according to the quantity of data in the qualification field.

5. The financial open business merchant authentication method according to claim 1, characterized in that: The using of a pre-built risk assessment model to detect the risk type corresponding to the business feature includes: Classifying the business characteristics using a pre-built risk assessment model to obtain business characteristic categories; Comparing the business feature category with the feature threshold in the risk assessment model; When the characteristic values ​​corresponding to the business characteristic categories are all greater than the characteristic threshold, the risk level corresponding to the business characteristic is determined as a high risk level, and the high risk type corresponding to the business characteristic is determined according to the high risk level; When any characteristic value corresponding to the service characteristic category is greater than the characteristic threshold, the risk level corresponding to the service characteristic is determined as a low risk level, and the low risk type corresponding to the service characteristic is determined according to the low risk level; When the characteristic values ​​corresponding to the business characteristic categories are all smaller than the characteristic threshold, the risk level corresponding to the business characteristic is determined as a no-risk level.

6. The financial open business merchant authentication method according to claim 1, characterized in that: The determining the review status of the target merchant according to the risk type includes: Determine the review progress of the target merchant according to the risk type; Determining the audit information of the target merchant according to the audit progress; The audit status of the target merchant is generated through the audit information.

7. The financial open business merchant authentication method according to claim 1, characterized in that: Determining the authentication status of the target merchant according to the feedback result includes: Testing the feedback result to obtain a test result; Generate the review update progress of the target merchant according to the detection result; The authentication status of the target merchant is determined according to the review update progress.

8. A financial open business merchant authentication device, characterized in that: include: A data encryption module, used to collect merchant information and qualification file data of target merchants, and encrypt the merchant information and qualification file data; The identity and qualification verification module is used to verify the identity of the encrypted merchant information to obtain the identity verification status of the target merchant, and to verify the qualifications of the encrypted qualification file data to obtain the qualification status of the target merchant; A risk type detection module, for extracting business features corresponding to the business data corresponding to the target merchant acquired in advance when the identity verification status and the qualification status verification are passed, and detecting the risk type corresponding to the business features using a pre-built risk assessment model; A feedback result extraction module, used to determine the audit status of the target merchant according to the risk type, feed back the audit status to the target merchant, and extract the feedback result of the target merchant; The authentication status determination module is used to determine the authentication status of the target merchant according to the feedback result.

9. A computer device comprising a memory, a processor, and a computer program stored in the memory and executable on the processor, characterized in that: When the processor executes the computer program, the steps of the financial open service merchant authentication method as described in any one of claims 1 to 7 are implemented.

10. A computer-readable storage medium storing a computer program, characterized in that: When the computer program is executed by a processor, the steps of the financial open service merchant authentication method as described in any one of claims 1 to 7 are implemented.

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