Voucher processing method and device

Abstract

The invention discloses a voucher processing method and device, and the method can dynamically adjust a voucher collection scheme according to the characteristics of a user, thereby flexibly providing a more personalized service. Meanwhile, according to the method, the collected voucher data can be pre-verified, so that the user is guided to submit the voucher data meeting the auditing standard, the overall period of voucher auditing is shortened, and the user experience is optimized. The voucher processing device provided by the embodiment of the invention also has the above beneficial effects.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a voucher processing method and device. Background Art

[0002] In current business activities, there are many business scenarios that require online credential collection and credential review. The current credential collection and review process is mainly based on static templates for interaction, requiring users to submit credential materials in the form of uploading credential photos, and then manually review the credential materials. However, different users and different businesses often require different credential materials, and collecting credential data based on a unified static template is less flexible. In addition, the credential materials submitted by users may not be correct, and the current review mechanism lacks immediate response capabilities, resulting in low review efficiency. Summary of the invention

[0003] One or more embodiments of the present specification provide a credential processing method and apparatus, which can at least partially overcome the above-mentioned technical deficiencies.

[0004] In a first aspect, a credential processing method is provided, comprising: Get the user information of the target user; Determining, based on the user information, a credential collection strategy that matches the user characteristics of the target user; the credential collection strategy is used to describe the credential data to be submitted by the target user; Collect target credential data submitted by the target user according to the credential collection strategy; The target credential data is pre-verified and the verification result is fed back to the target user.

[0005] As an optional implementation manner of the method of the first aspect, the method further includes: In response to a user's business processing request, performing a risk control assessment on the user; If the risk control assessment result shows that the user does not have any risk, the business processing request is released; If the risk control assessment result is that the user is at risk, the user is taken as the target user.

[0006] As an optional implementation manner of the method of the first aspect, the method further includes: decoupling a credential collection process of different types of credential data into a credential collection submodule having only a single function; and collecting target credential data submitted by a target user according to the credential collection strategy, specifically including: According to the credential collection strategy, select a corresponding credential collection submodule to generate an interactive page; The target credential data submitted by the target user is collected using the interactive page.

[0007] Specifically, the interactive page supports at least one interactive mode of a voice mode, a text mode, and an image mode.

[0008] As an optional implementation of the method of the first aspect, the method further includes: decoupling the credential verification process of different types of credential data into a credential verification submodule with only a single function; and pre-verifying the target credential data, specifically including: Selecting a corresponding credential verification submodule according to the credential collection strategy to generate a verification model; The target credential data is pre-verified using the verification model.

[0009] As an optional implementation manner of the method of the first aspect, the method further includes: A service guidance audio is generated according to the credential collection strategy, and the service guidance audio is used to guide the target user to submit the target credential data in a voice form.

[0010] As an optional implementation manner of the method of the first aspect, the method further includes: After pre-verification of the target credential data, if the target credential data requires manual review, a manual review process is initiated.

[0011] In a second aspect, a credential processing device is provided, comprising: A data acquisition module configured to acquire user information of a target user; A policy generation module is configured to determine, based on the user information, a credential collection policy that meets the user characteristics of the target user; the credential collection policy is used to describe the credential data to be submitted by the target user; An interaction module configured to collect target credential data submitted by a target user according to the credential collection strategy; The verification module is configured to pre-verify the target credential data and feed back the verification result to the target user.

[0012] As an optional implementation manner of the device according to the second aspect, the device further includes: The risk assessment module is configured to perform a risk control assessment on the user in response to the user's business processing request; if the risk control assessment result is that the user does not have risks, the business processing request is released; if the risk control assessment result is that the user has risks, the user is used as the target user.

[0013] As an optional implementation manner of the device according to the second aspect, the device further includes: A first function decoupling module configured to decouple the credential collection process of different types of credential data into a credential collection submodule having only a single function; The interaction module is specifically used to select a corresponding credential collection submodule to generate an interaction page according to the credential collection strategy, and collect the target credential data submitted by the target user through the interaction page.

[0014] Specifically, the interactive page generated by the interactive module supports an interactive mode of at least one of a voice mode, a text mode and an image mode.

[0015] As an optional implementation manner of the device according to the second aspect, the device further includes: A second function decoupling module is configured to decouple the voucher verification process of different types of voucher data into a voucher verification submodule having only a single function; The verification module is specifically used to select a corresponding credential verification submodule to generate a verification model according to the credential collection strategy, and pre-verify the target credential data through the verification model.

[0016] As an optional implementation manner of the device according to the second aspect, the device further includes: The voice guidance module is configured to generate a business guidance audio according to the credential collection strategy, wherein the business guidance audio is used to guide the target user to submit the credential data in a voice form.

[0017] As an optional implementation manner of the device according to the second aspect, the verification module is further specifically used for: After pre-verification of the target credential data, if the target credential data requires manual review, a manual review process is initiated.

[0018] In a third aspect, 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 above-mentioned credential processing method is implemented.

[0019] In a fourth aspect, an electronic device is provided, including: One or more processors; and a memory associated with the one or more processors, the memory being used to store program instructions, and the program instructions, when read and executed by the one or more processors, execute the above-mentioned credential processing method.

[0020] The beneficial effect of the credential processing method described in one or more embodiments of this specification is that the method can dynamically adjust the credential collection scheme according to user characteristics, thereby flexibly providing more personalized services. At the same time, the method can also pre-verify the collected credential data, thereby guiding the user to submit credential data that meets the review standards, thereby shortening the overall credential review cycle and optimizing the user experience.

[0021] The voucher processing device described in the embodiments of this specification also has the above-mentioned beneficial effects. BRIEF DESCRIPTION OF THE DRAWINGS

[0022] In order to more clearly illustrate the embodiments of this specification or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are some embodiments of this specification. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0023] Figure 1 A flowchart of a credential processing method provided for one or more embodiments of this specification.

[0024] Figure 2 A flowchart of a method for processing vouchers in a business scenario provided in one or more embodiments of this specification.

[0025] Figure 3 A schematic diagram of the structure of a voucher processing device provided for one or more embodiments of this specification.

[0026] Figure 4 A schematic diagram of the structure of another credential processing device provided for one or more embodiments of this specification.

[0027] Figure 5 A schematic diagram of the structure of an electronic device provided for one or more embodiments of this specification. DETAILED DESCRIPTION

[0028] First of all, it should be noted that the terms used in the embodiments of the present invention are only for the purpose of describing specific embodiments, and are not intended to limit the present invention. The singular forms "a", "the" and "the" used in the embodiments of the present invention and the appended claims are also intended to include plural forms, unless the context clearly indicates otherwise.

[0029] In order to enable those skilled in the art to better understand the technical solutions in this specification, the technical solutions in the embodiments of this specification will be clearly and completely described below in conjunction with the drawings in the embodiments of this specification. Obviously, the described embodiments are only part of the embodiments of this specification, not all of the embodiments. Therefore, it should be recognized by those skilled in the art that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for the sake of clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0030] It should be noted that: in other embodiments, the steps of the corresponding method are not necessarily performed in the order shown and described in this specification. In some other embodiments, the steps included in the method may be more or less than those described in this specification. In addition, a single step described in this specification may be decomposed into multiple steps for description in other embodiments; and multiple steps described in this specification may be combined into a single step for description in other embodiments.

[0031] In current business activities, there are many business scenarios that require online credential collection and credential review, such as users opening accounts remotely at financial institutions or increasing credit limits. The current credential collection and review process mainly interacts with users based on static templates, requiring users to submit credential materials in the form of uploading credential photos, and then manually reviewing the credential materials. However, this approach has many limitations: 1. Lack of intelligent identification of credentials: When the files submitted by users do not meet the quality requirements, they are often rejected, forcing users to re-upload. This cycle prolongs the entire review process and seriously damages the user experience. At the same time, due to the wide variety of credentials, the workload of reviewers is heavy and their work efficiency is low.

[0032] 2. Single interaction form: The current solution only supports a single mode of interaction, that is, users upload picture credentials. It lacks multimodal interaction functions including text, voice, video, etc., which limits users' interaction choices and experience.

[0033] 3. Lack of personalization of credential solutions: The current solutions are fixed and inflexible, and cannot make personalized recommendations for credential solutions based on different user characteristics and behaviors, making the entire credential collection and review process lack customization and efficiency.

[0034] In view of this, one or more embodiments of the present specification propose a credential processing method and device, which can flexibly and dynamically adjust the credential collection and review plan according to the characteristics of different types of users, and can also pre-verify the credential data submitted by the user, guide the user to submit the correct credential data, and optimize the user experience.

[0035] The voucher processing method and device described in one or more embodiments of this specification will be further described in detail below in conjunction with the drawings and specific embodiments of the specification, but this detailed description does not constitute a limitation on the embodiments of this specification.

[0036] Please refer to Figure 1 , Figure 1 Flow chart of a credential processing method proposed in one or more embodiments of this specification. Figure 1 As shown, the credential processing method may include steps S100 to S106.

[0037] S100: Obtain user information of a target user.

[0038] The above-mentioned user information may specifically include the user's identity information and the specific business information that the user wants to handle.

[0039] In some implementations, the user information can be collected through a pre-built user information collection page. Specifically, after receiving a service request from a user, a user information collection page and a link to the user information collection page can be generated, and then the link to the user information collection page can be sent to the user, so that the user can access the user information collection page through the link to the user information collection page and fill in the user information.

[0040] S102: Determine a credential collection strategy that matches the user characteristics of the target user based on the user information.

[0041] Based on the above user information, a pre-built decision model can be used to conduct a risk assessment on the user to determine whether the user is a target user who needs to have credentials collected and reviewed.

[0042] Specifically, in response to a user's business processing request, a risk control assessment can be performed on the user. If the risk control assessment result shows that the user does not have risks, the user's business processing request is released and directly transferred to the business processing process. If the risk control assessment result shows that the user has risks, the user is taken as a target user and the credential collection and review process is initiated.

[0043] For target users who need to collect and review credentials, the credential collection strategy that is adapted to the user can be determined based on the user information. The credential collection strategy is used to describe the credential data to be submitted by the target user. For example, for individual users, the user is required to submit an identity document, and for corporate users, the user is required to provide a business license, legal person identity document, etc.

[0044] S104: Collect target credential data submitted by the target user according to the credential collection strategy.

[0045] In some embodiments, the target credential data submitted by the target user can be collected by constructing an interactive page. Specifically, an interactive page can be generated according to the credential collection strategy, and a link to the interactive page can be sent to the target user, so that the target user can access the interactive page through the link to the interactive page and fill in the target credential data required by the credential collection strategy.

[0046] In order to increase the flexibility of the credential collection scheme, in some more specific implementations, the credential collection process for different types of credential data can be pre-decoupled into atomic credential collection submodules with only a single function, and then the corresponding credential collection submodule is selected according to the credential collection strategy to generate the above-mentioned interactive page. Through this modular processing method, the collection of various credential data can be flexibly combined and configured according to the specific needs of the user, thereby providing accurate credential data collection schemes, such as multi-credential combination, list collection, multiple-choice credential data collection schemes, etc.

[0047] The above-mentioned interactive page can also support multimodal interaction methods, such as voice modal interaction method, text modal interaction method and image modal interaction method.

[0048] When the target user submits the credential data through the interactive page, a business guidance audio can also be generated according to the above-mentioned credential collection strategy, and the business guidance audio can guide the target user to correctly submit the target credential data in the form of voice.

[0049] S106: Pre-verify the target credential data and feed back the verification result to the target user.

[0050] The purpose of this step is to conduct real-time verification of the credential data submitted by the target user through pre-verification, so as to identify the credentials that need to be resubmitted due to problems such as poor quality and incorrect type, and to provide users with immediate feedback of such information, thereby guiding the target user to submit credential data that meets the requirements.

[0051] In addition, for some voucher data that can be directly audited, the pre-built verification model can be used to verify whether the voucher data is qualified, and then feedback information on whether the verification is passed or not can be fed back to the target user. For voucher data that the verification model does not have the audit capability, a manual audit process can be initiated, and the target user can be notified to wait for the manual audit result. In this way, the workload of auditors can be greatly reduced, and the efficiency of the overall voucher collection and audit process can be improved.

[0052] In some embodiments, the credential verification process for different types of credential data can be decoupled into a credential verification sub-module with only a single function, and then the corresponding credential verification sub-module is selected according to the credential collection strategy to generate a verification model, and the verification model is used to pre-verify the target credential data.

[0053] The above verification model can be adaptively set according to the needs, and this embodiment does not limit the type of verification model. For example, an OCR recognition model can be used as the above verification model, and the text content is extracted from the image format of the voucher submitted by the user target through the OCR recognition model, and then the text content is reviewed to determine whether the voucher data has been reviewed.

[0054] The credential processing method described in this embodiment will be further explained below in conjunction with a specific implementation scenario.

[0055] Please refer to Figure 2 , Figure 2 The following is a schematic diagram of the specific process of processing the credential data submitted by the user in the business scenario of MyBank conducting due diligence on the user. Figure 2 As shown, the entire voucher processing system mainly includes the financial institution's business system, unified policy center, interactive risk control system, pre-verification system and review platform.

[0056] The workflow of the voucher processing system is as follows: S200: When a user performs an operation (such as opening an account) in a business system such as MyBank, the business system triggers the unified policy center to conduct a risk control assessment on the user. If the result of the risk control assessment determines that the user needs to undergo due diligence, the unified policy center deploys a due diligence product, which is used to implement the above-mentioned credential processing method. If the result of the risk control assessment determines that the user does not need to undergo due diligence, the unified policy center directly approves the user.

[0057] S202: After the due diligence product is deployed in the unified policy center, the unified policy center generates a due diligence task and an initialization link, where the initialization link points to an initial page for collecting user information.

[0058] S204: After the user opens the initial page and fills in the user information on the initial page, the interactive risk control system will recommend a suitable credential collection strategy based on the user's characteristics and provide an interactive link to a dedicated interactive page.

[0059] S206: After the user opens the interactive page through the interactive link, he / she completes the multimodal interaction (including voice, text, image, etc.) under the guidance of the interactive risk control system, uploads the required credential data and submits it, and then enters the credential data review stage.

[0060] S208: During the credential review stage, the intelligent verification model deployed by the pre-verification system pre-verifies the credential data submitted by the user. If the content of the credential data requires further manual review, the pre-verification system creates a manual review task in the review platform. If the result of the pre-verification is that the user is required to re-upload the credential, the pre-verification system sends a rejection notice to the user through the interactive page provided by the interactive risk control system. If the result of the pre-verification is to confirm that the due diligence has passed or failed, the pre-verification system will immediately feedback the corresponding result to the user through the interactive page provided by the interactive risk control system.

[0061] S210: For voucher data that requires manual review, the reviewer will notify the user of the due diligence results after completing the review.

[0062] The above is Figure 1 The specific implementation process of the credential processing method shown in the figure can dynamically adjust the credential collection plan according to user characteristics, so as to flexibly provide more personalized services. At the same time, the method can also pre-verify the collected credential data, so as to guide the user to submit credential data that meets the review standards, so as to shorten the overall cycle of credential review and optimize the user experience.

[0063] It should be noted that the above credential processing method can be run alone to verify credential data, or it can be combined with other identity verification or qualification verification methods to implement the user qualification review function before business processing. This embodiment does not limit this.

[0064] Corresponding to the above-mentioned credential processing method, one or more embodiments of this specification also propose a credential processing device. Figure 3 , Figure 3 1 is a schematic diagram of the structure of a credential processing device proposed in one or more embodiments of this specification. The device can be used to implement the above-mentioned credential processing method. It should be noted that the credential processing method described in one or more embodiments of this application can rely on Figure 3 The credential processing device shown is implemented, but not limited to this device.

[0065] like Figure 3 As shown, the identity verification device includes: The data acquisition module 301 is configured to acquire user information of a target user.

[0066] The policy generation module 302 is configured to determine a credential collection policy that meets the user characteristics of the target user based on the user information.

[0067] The interaction module 303 is configured to collect target credential data submitted by the target user according to the credential collection strategy.

[0068] The verification module 304 is configured to pre-verify the target credential data and feed back the verification result to the target user.

[0069] With respect to the above-mentioned data acquisition module 301 , the user information acquired by the data acquisition module 301 may specifically include the user's identity information and the specific business information that the user wants to handle.

[0070] In some implementations, the above user information can be collected through a pre-built user information collection page. Specifically, after receiving a user's service request, the data acquisition module 301 can generate a user information collection page and a link to the user information collection page, and then send the link to the user information collection page to the user, so that the user can access the user information collection page through the link to the user information collection page and fill in the user information.

[0071] With respect to the above-mentioned policy generation module 302, the policy generation module 302 can determine the credential collection policy adapted to the user according to the user information. The credential collection policy is used to describe the credential data to be submitted by the target user, for example, for an individual user, the user is required to submit an identity document, and for an enterprise user, the user is required to provide a business license, a legal person's identity document, etc.

[0072] For the above-mentioned interaction module 303, the interaction module 303 can collect the target credential data submitted by the target user by constructing an interaction page. Specifically, an interaction page can be generated according to the credential collection strategy, and a link to the interaction page can be sent to the target user, so that the target user can access the interaction page through the link of the interaction page and fill in the target credential data required by the credential collection strategy. The above-mentioned interaction page can also support multi-modal interaction methods, such as voice modal interaction method, text modal interaction method and image modal interaction method.

[0073] Regarding the above-mentioned verification module 304, the verification module 304 is used to perform real-time verification on the credential data submitted by the target user through pre-verification, so as to identify the credentials that need to be resubmitted due to problems such as poor quality and incorrect type, and to provide immediate feedback of such information to the user, thereby guiding the target user to submit credential data that meets the requirements.

[0074] In addition, for some voucher data that can be directly audited, the verification module 304 can directly verify whether the voucher data is qualified through the pre-built verification model, and then feedback the verification pass or fail feedback information to the target user. For voucher data that the verification model does not have the audit capability, a manual audit process can be initiated, and the target user is notified to wait for the manual audit result. In this way, the workload of the auditor can be greatly reduced, and the efficiency of the overall voucher collection and audit process can be improved.

[0075] The above verification model can be adaptively set according to the needs, and this embodiment does not limit the type of verification model. For example, an OCR recognition model can be used as the above verification model, and the text content is extracted from the image format of the voucher submitted by the user target through the OCR recognition model, and then the text content is reviewed to determine whether the voucher data has been reviewed.

[0076] Please refer to Figure 4 , in some embodiments, Figure 3 The identity verification device shown may also include a risk assessment module 305, which is used to perform risk assessment on the user based on the above user information using a pre-built decision model to determine whether the user is a target user who needs to collect and review credentials.

[0077] Specifically, the risk assessment module 305 can respond to the user's business processing request and perform a risk control assessment on the user. If the risk control assessment result shows that the user does not have risks, the user's business processing request is released and directly transferred to the business processing process. If the risk control assessment result shows that the user has risks, the user is taken as a target user and the credential collection and review process is started.

[0078] Please continue to refer to Figure 4 In some embodiments, the identity verification device may further include a first function decoupling module 306, which is used to pre-decouple the credential collection process for different types of credential data into an atomic credential collection submodule with only a single function. Accordingly, the interaction module 303 may select a corresponding credential collection submodule according to the credential collection strategy to generate the above-mentioned interaction page, and collect the target credential data submitted by the target user through the interaction page.

[0079] Please continue to refer to Figure 4 In some embodiments, the identity verification device may further include a second function decoupling module 307, which is configured to decouple the credential verification process of different types of credential data into a credential verification submodule with only a single function. Accordingly, the verification module 304 is specifically used to select a corresponding credential verification submodule to generate a verification model according to the credential collection strategy, and pre-verify the target credential data through the verification model.

[0080] Please continue to refer to Figure 4 In some embodiments, the identity verification device may further include a voice guidance module 308, which is configured to generate a business guidance audio according to a credential collection strategy, and the business guidance audio is used to guide the target user to submit credential data in the form of voice.

[0081] For the above-mentioned credential processing device, taking a module as an example of a software functional unit, in Figure 3 In the credential processing device shown, the data acquisition module 301 may include code running on a computing instance. Among them, the computing instance may include at least one of a physical host (computing device), a virtual machine, and a container. Further, the above-mentioned computing instance may be one or more. For example, the data acquisition module 301 may include code running on multiple hosts / virtual machines / containers. The multiple hosts / virtual machines / containers used to run the code may be distributed in the same region (region) or in different regions. Furthermore, the multiple hosts / virtual machines / containers used to run the code may be distributed in the same availability zone (AZ) or in different AZs, each AZ including one data center or multiple data centers with close geographical locations. Among them, usually a region may include multiple AZs.

[0082] Similarly, multiple hosts / virtual machines / containers used to run the code can be distributed in the same virtual private cloud (VPC) or in multiple VPCs. Usually, a VPC is set up in a region. For cross-region communication between two VPCs in the same region and between VPCs in different regions, a communication gateway needs to be set up in each VPC to achieve interconnection between VPCs through the communication gateway.

[0083] As an example of a hardware functional unit, the data acquisition module 301 may include at least one computing device, such as a server, etc. Alternatively, the data acquisition module 301 may also be a device implemented using an application-specific integrated circuit (ASIC) or a programmable logic device (PLD). The PLD may be a complex programmable logical device (CPLD), a field programmable gate array (FPGA), a generic array logic (GAL) or any combination thereof.

[0084] The multiple computing devices included in the data acquisition module 301 can be distributed in the same region or in different regions. The multiple computing devices included in the data acquisition module 301 can be distributed in the same AZ or in different AZs. Similarly, the multiple computing devices included in the data acquisition module 301 can be distributed in the same VPC or in multiple VPCs. The multiple computing devices can be any combination of computing devices such as servers, ASICs, PLDs, CPLDs, FPGAs, and GALs.

[0085] In other embodiments, the data acquisition module 301 can be used to execute any step in the above-mentioned credential processing method, the policy generation module 302 can be used to execute any step in the above-mentioned credential processing method, the interaction module 303 can be used to execute any step in the above-mentioned credential processing method, and the verification module 304 can be used to execute any step in the above-mentioned credential processing method. The steps that the data acquisition module 301, the policy generation module 302, the interaction module 303 and the verification module 304 are responsible for implementing can be specified as needed, and the data acquisition module 301, the policy generation module 302, the interaction module 303 and the verification module 304 respectively implement different steps in the above-mentioned credential processing method to realize all the functions of the above-mentioned credential processing device.

[0086] In this implementation, the credential processing apparatus may also be applied to computing devices such as computers and servers, or to a computing device cluster including at least one computing device, to implement the credential processing function.

[0087] In some embodiments, a computer-readable storage medium is also provided, on which a computer program is stored, and when the computer program is executed by a processor, the above-mentioned credential processing method is implemented.

[0088] The computer-readable storage medium may be any available medium that can be stored in the electronic device or a data storage device such as a data center that includes one or more available media. The available medium may be a magnetic medium (e.g., a floppy disk, a hard disk, a tape), an optical medium (e.g., a DVD), or a semiconductor medium (e.g., a solid-state hard disk). The computer-readable storage medium includes instructions that instruct the electronic device to execute the above-mentioned credential processing method.

[0089] This embodiment also provides an electronic device, including: One or more processors; and a memory associated with the one or more processors, the memory being used to store program instructions, and the program instructions, when read and executed by the one or more processors, implement the above-mentioned credential processing method.

[0090] Please refer to Figure 5 , Figure 5 A structural schematic diagram of the above-mentioned electronic device is shown. The electronic device includes a bus 501, a processor 502, a memory 503 and a communication interface 504. The memory 503 stores a computer program, and when the computer program runs on the processor 502, the processor 502 executes the specific steps of the above-mentioned credential processing method. It should be understood that the present application does not limit the number of processors and memories in the electronic device.

[0091] The bus 501 may be a peripheral component interconnect (PCI) bus or an extended industry standard architecture (EISA) bus. The bus 501 may be divided into an address bus, a data bus, a control bus, etc. For ease of representation, Figure 5 The bus 501 is represented by only one line, but it does not mean that there is only one bus or one type of bus. The bus 501 may include a path for transmitting information between various components of the terminal device (for example, the processor 502, the memory 503 and the communication interface 504).

[0092] The processor 502 may include any one or more of a processor such as a central processing unit (CPU), a graphics processing unit (GPU), a microprocessor (MP), or a digital signal processor (DSP).

[0093] The memory 503 may include a volatile memory, such as a random access memory (RAM). The memory 503 may also include a non-volatile memory, such as a read-only memory (ROM), a flash memory, a hard disk drive (HDD), or a solid state drive (SSD).

[0094] The communication interface 504 uses a transceiver module such as, but not limited to, a network interface card or a transceiver to implement communication between the electronic device and other devices or a communication network.

[0095] It should be understood by those skilled in the art that the modules or steps of the present invention described above can be implemented by a general-purpose computing device, they can be concentrated on a single computing device, or distributed on a network composed of multiple computing devices, and optionally, they can be implemented by a program code executable by a computing device, so that they can be stored in a storage device and executed by the computing device, and in some cases, the steps shown or described can be executed in a different order than that here, or they can be made into individual integrated circuit modules, or multiple modules or steps therein can be made into a single integrated circuit module for implementation. Thus, the present invention is not limited to any specific combination of hardware and software.

[0096] Each embodiment in this specification is described in a progressive manner, and the same or similar parts between the embodiments can be referred to each other, and each embodiment focuses on the differences from other embodiments. In particular, for the system embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0097] The above is a description of a specific embodiment of the specification. Other embodiments are within the scope of the appended claims. In some cases, the actions or steps recorded in the claims can be performed in an order different from that in the embodiments and still achieve the desired results. In addition, the processes depicted in the drawings do not necessarily require the specific order or continuous order shown to achieve the desired results. In some embodiments, multitasking and parallel processing are also possible or may be advantageous.

[0098] It should be noted that the above examples are only specific embodiments of the present invention, and the present invention is obviously not limited to the above examples, and there are many similar variations. All variations directly derived or associated from the contents disclosed by the technicians in this field should fall within the protection scope of the present invention.

Claims

1. A credential processing method, comprising: Get the user information of the target user; Determining, based on the user information, a credential collection strategy that matches the user characteristics of the target user; The credential collection strategy is used to describe the credential data to be submitted by the target user; Collect target credential data submitted by the target user according to the credential collection strategy; The target credential data is pre-verified and the verification result is fed back to the target user.

2. The method according to claim 1, further comprising: In response to a user's business processing request, performing a risk control assessment on the user; If the risk control assessment result shows that the user does not have any risk, the business processing request is released; If the risk control assessment result is that the user is at risk, the user is taken as the target user.

3. The method according to claim 1, further comprising: Decouple the voucher collection process of different types of voucher data into voucher collection sub-modules with only a single function; Collecting target credential data submitted by the target user according to the credential collection strategy specifically includes: According to the credential collection strategy, select a corresponding credential collection submodule to generate an interactive page; The target credential data submitted by the target user is collected using the interactive page.

4. According to the method of claim 3, the interactive page supports an interactive mode of at least one of voice mode, text mode and image mode.

5. The method according to claim 1, further comprising: Decouple the voucher verification process for different types of voucher data into voucher verification submodules with only a single function; Pre-verifying the target credential data includes: Selecting a corresponding credential verification submodule according to the credential collection strategy to generate a verification model; The target credential data is pre-verified using the verification model.

6. The method according to claim 1, further comprising: A service guidance audio is generated according to the credential collection strategy, and the service guidance audio is used to guide the target user to submit the target credential data in a voice form.

7. The method according to claim 1, further comprising: After pre-verification of the target credential data, if the target credential data requires manual review, a manual review process is initiated.

8. A voucher processing device, comprising: A data acquisition module configured to acquire user information of a target user; A policy generation module is configured to determine, based on the user information, a credential collection policy that meets the user characteristics of the target user; the credential collection policy is used to describe the credential data to be submitted by the target user; An interaction module configured to collect target credential data submitted by a target user according to the credential collection strategy; The verification module is configured to pre-verify the target credential data and feed back the verification result to the target user.

9. The device according to claim 8, further comprising: A risk assessment module, configured to perform a risk control assessment on the user in response to a business handling request of the user; If the risk control assessment result shows that the user does not have any risk, the business processing request is released; If the risk control assessment result is that the user is at risk, the user is taken as the target user.

10. The device according to claim 8, further comprising: A first function decoupling module configured to decouple the voucher collection process of different types of voucher data into a voucher collection submodule having only a single function; The interaction module is specifically used to select a corresponding credential collection submodule to generate an interaction page according to the credential collection strategy, and collect the target credential data submitted by the target user through the interaction page.

11. According to the device of claim 10, the interactive page generated by the interactive module supports an interactive mode of at least one of voice mode, text mode and image mode.

12. The device according to claim 8, further comprising: A second function decoupling module is configured to decouple the voucher verification process of different types of voucher data into a voucher verification submodule having only a single function; The verification module is specifically used to select a corresponding credential verification submodule to generate a verification model according to the credential collection strategy, and pre-verify the target credential data through the verification model.

13. The device according to claim 8, further comprising: The voice guidance module is configured to generate a business guidance audio according to the credential collection strategy, wherein the business guidance audio is used to guide the target user to submit the credential data in a voice form.

14. The device according to claim 8, wherein the verification module is further configured to: After pre-verification of the target credential data, if the target credential data requires manual review, a manual review process is initiated.

15. A computer-readable storage medium having a computer program stored thereon, wherein the computer program, when executed by a processor, implements the method according to any one of claims 1 to 7.

16. An electronic device comprising: one or more processors; And a memory associated with the one or more processors, the memory is used to store program instructions, and when the program instructions are read and executed by the one or more processors, the method according to any one of claims 1 to 7 is executed.

Images