Warranty verification method, device and equipment, storage medium and product

Abstract

The invention discloses a warrant verification method and device, equipment, a storage medium and a product, and relates to the technical field of computers.The warrant verification method comprises the steps that after a verification request signal is received, a warrant to be verified and an opening mechanism are determined according to the verification request signal; identifying to-be-verified warranty elements of the to-be-verified warranty; and if the opening mechanism is the other bank, sending a warranty query message to the other bank based on the warranty element to be verified, receiving verification feedback information returned by the other bank, associating the verification feedback information with the warranty element to be verified, and determining a warranty verification result. According to the method and the device, the feedback information is analyzed after the other bank sends the warrant query message and receives the feedback information, and the feedback information and the warrant element to be verified are associated, so that inter-bank warrant verification is realized, and the warrant verification efficiency is improved.

Description

Technical Field

[0001] The present application relates to the field of computer technology, and in particular to a method, device, equipment, storage medium and product for verifying the authenticity of a letter of guarantee. Background Art

[0002] Driven by current Internet technology, most processes of domestic guarantee business have been transformed into online processing through digital systems. In view of business security considerations, it is particularly important to verify the authenticity of each guarantee, so the guarantee verification link cannot be ignored.

[0003] However, since the guarantee information between different banking institutions is not common, it is impossible to conduct online guarantee verification across different banking institutions. When a bank receives a guarantee, the customer can only conduct online verification of the guarantee issued by the bank itself. Faced with a large number of guarantees issued by different banking institutions, the existing solution requires operators to go to each bank to manually enter relevant business elements to perform independent verification operations for each bank, which has a high risk of error and low efficiency in guarantee verification.

[0004] The above contents are only used to assist in understanding the technical solution of the present application and do not constitute an admission that the above contents are prior art. Summary of the invention

[0005] The main purpose of this application is to provide a method, device, equipment, storage medium and product for verifying a letter of guarantee, aiming to solve the technical problem of low efficiency in verifying a letter of guarantee in the current technology.

[0006] To achieve the above purpose, the present application proposes a method for verifying the authenticity of a letter of guarantee, the method comprising:

[0007] After receiving the verification request signal, determining the letter of guarantee to be verified and the issuing institution according to the verification request signal;

[0008] Identify the authenticity guarantee elements of the authenticity guarantee;

[0009] If the issuing institution is another bank, based on the elements of the letter of guarantee to be verified, a letter of guarantee query message is sent to the other bank, and verification feedback information returned by the other bank is received, the verification feedback information is associated with the elements of the letter of guarantee to be verified, and the verification result of the letter of guarantee is determined.

[0010] In one embodiment, the steps of receiving verification feedback information returned by another bank, associating the verification feedback information with the elements of the letter of guarantee to be verified, and determining the verification result of the letter of guarantee include:

[0011] Receive verification feedback information returned by the other bank, and determine the type of the verification feedback information;

[0012] If the verification feedback information is direct feedback information, reading the direct feedback information to determine the verification result of the letter of guarantee;

[0013] If the verification feedback information is a free message, the guarantee number of the free message is identified through the large model, and the free message is associated with the guarantee elements to be verified corresponding to the guarantee number to determine the guarantee verification result.

[0014] In one embodiment, the steps of identifying the letter of guarantee number of the free message by using a large model, associating the free message with the letter of guarantee element to be verified corresponding to the letter of guarantee number, and determining the letter of guarantee verification result include:

[0015] Send the free message to the big model, and receive the guarantee number recognition result and the message element recognition result returned by the big model;

[0016] Based on the identification result of the letter of guarantee number, determining the corresponding letter of guarantee to be verified and the elements of the letter of guarantee to be verified;

[0017] If the message element identification result includes a letter of guarantee element, the message element identification result is associated with the letter of guarantee element to be verified to determine the letter of guarantee verification result;

[0018] If the message element identification result includes the verification result of another bank, the verification result of the other bank will be determined as the verification result of the letter of guarantee.

[0019] In one embodiment, after receiving the verification request signal, the step of determining the letter of guarantee to be verified and the issuing institution according to the verification request signal further includes:

[0020] If the issuing institution is the Bank, determine whether the letter of guarantee to be verified exists;

[0021] If the letter of guarantee to be verified exists, the letter of guarantee issuance elements of the letter of guarantee to be verified are obtained, and the letter of guarantee elements to be verified are compared with the letter of guarantee issuance elements to determine the letter of guarantee verification result.

[0022] In one embodiment, the step of identifying the elements of the letter of guarantee to be verified includes:

[0023] Determine the type of the letter of guarantee to be verified;

[0024] If the letter of guarantee to be verified is in a picture format or a file format, character recognition is performed on the letter of guarantee to be verified, and the character recognition result is matched as an element of the letter of guarantee to be verified;

[0025] If the letter of guarantee to be verified is a manually entered letter of guarantee, the manually entered information is matched as the elements of the letter of guarantee to be verified.

[0026] In one embodiment, the step of sending a letter of guarantee inquiry message to another bank and receiving verification feedback information returned by the other bank includes:

[0027] Generate a letter of guarantee query message according to the verification request signal and the elements of the letter of guarantee to be verified;

[0028] The letter of guarantee inquiry message is encrypted and signed by using a preset encryption protocol and the issuing institution's private key to obtain an encrypted inquiry message;

[0029] Sending the encrypted query message to the issuing institution;

[0030] The encrypted feedback information returned by the issuing institution is received, and the encrypted feedback information is decrypted according to the encryption protocol and a preset public key of the issuing institution to obtain verification feedback information.

[0031] In addition, to achieve the above purpose, the present application also proposes a letter of guarantee verification device, which includes:

[0032] A determination module, configured to determine the letter of guarantee to be verified and the issuing institution according to the verification request signal after receiving the verification request signal;

[0033] An identification module, used to identify the elements of the letter of guarantee to be verified;

[0034] The verification module is used to send a guarantee query message to the other bank based on the guarantee elements to be verified if the issuing institution is another bank, and receive the verification feedback information returned by the other bank, associate the verification feedback information with the guarantee elements to be verified, and determine the guarantee verification result.

[0035] In addition, to achieve the above-mentioned purpose, the present application also proposes a letter of guarantee verification device, which includes: a memory, a processor, and a computer program stored in the memory and executable on the processor, and the computer program is configured to implement the steps of the letter of guarantee verification method described above.

[0036] In addition, to achieve the above-mentioned purpose, the present application also proposes a storage medium, which is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by the processor, the steps of the guarantee verification method described above are implemented.

[0037] In addition, to achieve the above-mentioned purpose, the present application also provides a computer program product, which includes a computer program, and when the computer program is executed by a processor, it implements the steps of the guarantee verification method as described above.

[0038] One or more technical solutions proposed in this application have at least the following technical effects:

[0039] Compared with the related art, which requires manual operation of the guarantee, resulting in low efficiency of the guarantee verification, the present application determines the guarantee to be verified and the issuing institution according to the request verification signal after receiving the verification request signal; identifies the guarantee elements to be verified of the guarantee to be verified; if the issuing institution is another bank, based on the guarantee elements to be verified, sends a guarantee query message to the other bank, receives the verification feedback information returned by the other bank, associates the verification feedback information with the guarantee elements to be verified, and determines the guarantee verification result. It can be understood that the present application adopts the method of sending a guarantee query message to another bank for cross-bank guarantee verification. When the verification request signal is received, the guarantee query message is sent through the other bank, and the feedback information is analyzed after receiving the feedback information, and the feedback information is associated with the guarantee elements to be verified, so as to realize cross-bank guarantee verification. Therefore, based on sending a guarantee query message to another bank, the feedback information is associated with the guarantee elements to be verified, which can realize cross-bank guarantee verification, thereby improving the efficiency of guarantee verification. BRIEF DESCRIPTION OF THE DRAWINGS

[0040] The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the present application.

[0041] In order to more clearly illustrate the embodiments of the present application 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, for ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative labor.

[0042] Figure 1 A flowchart of the first embodiment of the method for applying for letter of guarantee verification;

[0043] Figure 2 A flowchart of the second embodiment of the method for applying for letter of guarantee verification;

[0044] Figure 3 A schematic diagram of elements provided in Example 1 of the present application;

[0045] Figure 4 This is a schematic diagram of the module structure of the guarantee letter verification device according to an embodiment of the present application;

[0046] Figure 5 It is a schematic diagram of the equipment structure of the hardware operating environment involved in the guarantee letter verification method in the embodiment of the present application.

[0047] The purpose, features and advantages of this application will be further described in conjunction with the embodiments and with reference to the accompanying drawings. DETAILED DESCRIPTION

[0048] It should be understood that the specific embodiments described herein are only used to explain the technical solutions of the present application and are not used to limit the present application.

[0049] In order to better understand the technical solution of the present application, a detailed description will be given below in conjunction with the accompanying drawings and specific implementation methods.

[0050] The main solutions of the embodiments of this application are:

[0051] After receiving the verification request signal, determining the letter of guarantee to be verified and the issuing institution according to the verification request signal;

[0052] Identify the authenticity guarantee elements of the authenticity guarantee;

[0053] If the issuing institution is another bank, based on the elements of the letter of guarantee to be verified, a letter of guarantee query message is sent to the other bank, and verification feedback information returned by the other bank is received, the verification feedback information is associated with the elements of the letter of guarantee to be verified, and the verification result of the letter of guarantee is determined.

[0054] In this embodiment, the present application uses the guarantee letter verification device as the execution subject. For the convenience of description, it is specifically described below as "device".

[0055] In the existing technology, after a bank receives a letter of guarantee, it can only verify the letter of guarantee issued by the bank itself online. Faced with a large number of letters of guarantee issued by different banking institutions, the existing solution requires operators to go to each bank in person to manually input relevant business elements for separate verification operations. Due to the intervention of manual operations, when there are a large number of letters of guarantee, the risk of error increases, resulting in a significant impact on the efficiency of letter of guarantee verification.

[0056] The present application provides a solution, which is to identify the elements of the letter of guarantee to be verified by receiving the letter of guarantee to be verified; after receiving the verification request signal, determine the institution that issued the letter of guarantee to be verified; if the issuing institution is another bank, send a letter of guarantee query message to the other bank, receive the feedback information of the other bank, associate the feedback information with the elements of the letter of guarantee to be verified, and determine the verification result of the letter of guarantee. It can be understood that the present application adopts the method of sending a letter of guarantee query message to another bank to perform cross-bank letter of guarantee verification. When the verification request signal is received, a letter of guarantee query message is sent through the other bank, and after receiving the feedback information, the feedback information is analyzed, and the feedback information is associated with the elements of the letter of guarantee to be verified, so as to realize cross-bank letter of guarantee verification. Therefore, based on sending a letter of guarantee query message to another bank, associating the feedback information with the elements of the letter of guarantee to be verified can realize cross-bank letter of guarantee verification, thereby realizing a significant improvement in the efficiency of letter of guarantee verification.

[0057] Based on this, the present application embodiment provides a method for verifying the authenticity of a letter of guarantee, referring to Figure 1 , Figure 1This is a flow chart of the first embodiment of the method for verifying the authenticity of an application letter of guarantee.

[0058] In this embodiment, the letter of guarantee verification method includes steps S10 to S30:

[0059] Step S10, after receiving the verification request signal, determining the letter of guarantee to be verified and the issuing institution according to the verification request signal;

[0060] It should be noted that the "to-be-verified letter of guarantee" refers to a letter of guarantee document that has not yet undergone the verification procedure, and is submitted by the applicant to a bank or other financial institution to request confirmation of the authenticity and validity of the letter of guarantee. The "request for verification signal" refers to a clear instruction or command indicating that the letter of guarantee verification process needs to be initiated, usually generated by the user or system to trigger subsequent verification steps. The "issuing institution" refers to the bank or financial institution that creates and issues the letter of guarantee. It is the original issuing source of the letter of guarantee and is responsible for the authenticity and accuracy of the contents of the letter of guarantee.

[0061] Step S20, identifying the elements of the letter of guarantee to be verified;

[0062] It should be noted that the elements of the letter of guarantee to be verified refer to the key information and details that constitute the letter of guarantee and need to be verified, including but not limited to the letter of guarantee number, amount, beneficiary information, validity period, issuing institution information, etc.

[0063] In a feasible implementation, step S20 may include:

[0064] receiving the letter of guarantee to be verified, and determining the type of the letter of guarantee to be verified;

[0065] If the letter of guarantee to be verified is in a picture format or a file format, character recognition is performed on the letter of guarantee to be verified, and the character recognition result is matched as an element of the letter of guarantee to be verified;

[0066] If the letter of guarantee to be verified is a manually entered letter of guarantee, the manually entered information is matched as the elements of the letter of guarantee to be verified.

[0067] It should be noted that the letter of guarantee to be verified refers to a letter of guarantee document that needs to be verified for authenticity, which is submitted by the applicant to a bank or other financial institution to request confirmation of the authenticity and validity of the letter of guarantee. The type of letter of guarantee refers to different formats or types of letters of guarantee, such as image format, file format or manually entered format. Different types of letters of guarantee may require different methods for processing and verification. The character recognition refers to the process of converting text information in an image or file into machine-readable character data using optical character recognition (OCR) or other automatic recognition technology. The image format letter of guarantee refers to a letter of guarantee in the form of an image file, such as JPEG, PNG and other formats. Letters of guarantee in this format need to use character recognition technology to extract text information from it. The file format letter of guarantee refers to a letter of guarantee in the form of an editable document, such as PDF, Word and other formats. Letters of guarantee in this format may contain structured text data that can be directly extracted and processed. The manually entered letter of guarantee refers to the letter of guarantee information entered manually, rather than directly extracted from an image or file, and may come from manual entry of paper documents or other non-automated data entry methods. The elements of the letter of guarantee to be verified refer to the key information and details that constitute the letter of guarantee and need to be verified. This may include but is not limited to the letter of guarantee number, amount, beneficiary information, validity period, information of the issuing institution, etc. The matching operation refers to the process of comparing the extracted or entered letter of guarantee information with the known elements of the letter of guarantee to be verified, in order to verify the authenticity and validity of the letter of guarantee and ensure that the extracted information is consistent with the original letter of guarantee content.

[0068] For example, refer to Figure 3 , Figure 3 An example is provided of identifying the elements of a letter of guarantee to be verified based on the basic information of the letter of guarantee entered when the letter of guarantee is manually entered. The elements of the letter of guarantee to be verified include but are not limited to the letter of guarantee number, amount, beneficiary information, validity period, issuing institution information, etc.

[0069] It can be understood that this embodiment provides a method for verifying the authenticity and validity of a letter of guarantee. The method comprises the following steps:

[0070] First, the device receives a letter of guarantee document that needs to be verified for authenticity. The letter of guarantee document can be in electronic format, such as an image, document, or database record, or it can be in paper format and needs to be manually scanned or entered. The device automatically determines the type of the letter of guarantee document based on the format of the input letter of guarantee document. If the letter of guarantee document is in image format (such as JPEG, PNG) or file format (such as PDF, Word), it enters the intelligent recognition step. If the letter of guarantee document is manually entered text information, it enters the manual entry step.

[0071] Intelligent recognition steps: For letters of guarantee in image format or file format, the device uses optical character recognition (OCR) technology to automatically recognize and extract the text in the letter of guarantee. OCR technology can accurately convert characters in the image into machine-readable text data. The device matches the OCR recognition results with the predefined letter of guarantee element template to extract key letter of guarantee elements, such as letter of guarantee number, amount, beneficiary information, validity period, issuing institution information, etc. The device verifies the extracted letter of guarantee elements to check their completeness and consistency. If missing or inconsistent elements are found, the device can prompt the user to correct or supplement them.

[0072] Manual entry step: For manually entered guarantee information, the device provides a user interface that allows the user to enter or upload key elements of the guarantee. The user enters or selects the corresponding guarantee elements in the interface, such as the guarantee number, amount, beneficiary information, etc. The device can provide input controls such as drop-down menus and text boxes to simplify the data entry process. The device matches and verifies the guarantee elements entered by the user with the predefined element templates to ensure the accuracy and completeness of the input data.

[0073] Regardless of the method used to extract and verify the elements of the letter of guarantee, the device will eventually generate a letter of guarantee verification result. The result indicates whether the letter of guarantee has passed the authenticity verification, as well as any problems or anomalies found. If the letter of guarantee passes the verification, the device can generate a report or certificate of verification for the user to download or print. If the letter of guarantee fails the verification, the device can provide detailed reasons for the failure and prompt the user to make necessary corrections or supplements. For letters of guarantee that require further review, the device can mark the relevant information as pending and notify the relevant staff to conduct a manual review.

[0074] In this embodiment, the present application provides an automated and efficient guarantee verification method, which is applicable to guarantee documents of different formats and sources. The method utilizes advanced character recognition technology and user-friendly interface design to improve the accuracy and convenience of guarantee verification.

[0075] Step S30: If the issuing institution is another bank, a guarantee inquiry message is sent to the other bank based on the guarantee elements to be verified, and verification feedback information returned by the other bank is received, and the verification feedback information is associated with the guarantee elements to be verified to determine the guarantee verification result.

[0076] In a feasible implementation, step S30 may include:

[0077] Receive verification feedback information returned by the other bank, and determine the type of the verification feedback information;

[0078] If the verification feedback information is direct feedback information, reading the direct feedback information to determine the verification result of the letter of guarantee;

[0079] If the verification feedback information is a free message, the guarantee number of the free message is identified through the large model, and the free message is associated with the guarantee elements to be verified corresponding to the guarantee number to determine the guarantee verification result.

[0080] It should be noted that the verification feedback information of another bank refers to the response or information provided by another bank or financial institution regarding the verification process of the letter of guarantee, including the results of the letter of guarantee verification, status updates or other relevant information. The types of verification feedback information involve classifying the information received to determine its nature and the processing steps to be taken. The feedback information is classified as direct feedback information or free messages. The direct feedback information refers to the clear and unambiguous information about the verification results of the letter of guarantee directly provided by the other bank. This information can usually be used directly to determine the verification results without further processing or parsing. The free message refers to text information provided by another bank with an unfixed or non-standardized format, which requires additional processing or parsing to extract useful data. The big model refers to a complex and highly developed algorithmic model based on machine learning or artificial intelligence technology, which is used to identify and parse specific information in the free message, such as the letter of guarantee number. The elements of the letter of guarantee to be verified refer to the key information and details that constitute the letter of guarantee and need to be verified. This may include but is not limited to the letter of guarantee number, amount, beneficiary information, validity period, opening institution information, etc. The association operation refers to the process of matching the identified guarantee number with the corresponding guarantee element to be verified in the database, in order to ensure that the information in the free message is associated with the correct guarantee. The guarantee verification result is based on the direct feedback information or the conclusion obtained by associating the free message, indicating whether the guarantee has passed the authenticity verification. This result may be positive (the guarantee is valid), negative (the guarantee is invalid or there is a problem), or other status that requires further review.

[0081] In another feasible implementation, the steps of identifying the letter of guarantee number of the free message by using a large model, associating the free message with the letter of guarantee element to be verified corresponding to the letter of guarantee number, and determining the letter of guarantee verification result include:

[0082] Send the free message to the big model, and receive the guarantee number recognition result and the message element recognition result returned by the big model;

[0083] Based on the identification result of the letter of guarantee number, determining the corresponding letter of guarantee to be verified and the elements of the letter of guarantee to be verified;

[0084] If the message element identification result includes a letter of guarantee element, the message element identification result is associated with the letter of guarantee element to be verified to determine the letter of guarantee verification result;

[0085] If the message element identification result includes the verification result of another bank, the verification result of the other bank will be determined as the verification result of the letter of guarantee.

[0086] Exemplarily, the device first receives a free message from another bank. A free message refers to text information with an unfixed format and non-standardization, which may contain a letter of guarantee number, letter of guarantee elements, or verification results of another bank. The received free message is sent to a large model, wherein the large model is a mature complex algorithm model based on machine learning or artificial intelligence technology, which is used to identify and parse key information in the free message. The device receives the recognition results returned by the large model, including the letter of guarantee number recognition result and the message element recognition result. The letter of guarantee number recognition result refers to the letter of guarantee number extracted from the free message, and the message element recognition result refers to other letter of guarantee elements or verification results extracted from the free message. Based on the letter of guarantee number recognition result, the device searches the database for the corresponding letter of guarantee record to be verified and its elements. This step is to associate the information extracted from the free message with the correct letter of guarantee. If the message element recognition result contains letter of guarantee elements (such as amount, beneficiary information, etc.), the device associates and matches these elements with the letter of guarantee elements to be verified in the database. By comparing these elements, the device can determine the authenticity of the letter of guarantee. If the message element recognition result contains the guarantee elements, the device determines the guarantee verification result by comparing these elements with the guarantee elements to be verified. If all elements match completely, the verification passes; otherwise, the verification fails. If the message element recognition result contains the verification result of another bank (such as verification passed, verification failed, etc.), the device directly uses the result as the guarantee verification result. Regardless of the method used to determine the guarantee verification result, the device will output the final result to the user. The verification result can be in the form of an electronic report, detailing whether the guarantee has passed the verification, as well as any problems or anomalies found.

[0087] In another feasible implementation manner, the step of sending a letter of guarantee inquiry message to another bank and receiving feedback information from another bank includes:

[0088] Generate a letter of guarantee query message according to the verification request signal and the elements of the letter of guarantee to be verified;

[0089] The letter of guarantee inquiry message is encrypted and signed by using a preset encryption protocol and the issuing institution's private key to obtain an encrypted inquiry message;

[0090] Sending the encrypted query message to the issuing institution;

[0091] The encrypted feedback information returned by the issuing institution is received, and the encrypted feedback information is decrypted according to the encryption protocol and a preset public key of the issuing institution to obtain verification feedback information.

[0092] It should be noted that the verification request signal refers to an instruction initiated by a user or system, which is an electronic signal for requesting verification of the authenticity of a certain letter of guarantee. This signal may contain basic information of the letter of guarantee, such as the letter of guarantee number, the issuing institution, etc., to facilitate the subsequent query and verification process. The letter of guarantee query message is an electronic document that contains all the necessary information for querying the detailed information of a specific letter of guarantee in the financial network. The encryption protocol refers to a set of standardized rules and algorithms for encrypting and decrypting data during the communication process to ensure the security and integrity of the data, and to ensure that the letter of guarantee query message is not read or tampered with by unauthorized third parties during the transmission process. The issuing institution private key refers to the key held by the letter of guarantee issuing institution, which is used to digitally sign the electronic document. The encrypted signature is a process of encrypting data by using the sender's private key to prove the source and integrity of the data. The encrypted query message refers to the letter of guarantee query message after the encrypted signature processing. The issuing institution refers to the financial institution that originally created or issued the letter of guarantee. In the present invention, the issuing institution is responsible for receiving the query message, verifying the authenticity of the letter of guarantee, and returning the verification feedback information. The encrypted feedback information refers to the electronic information returned by the issuing institution, which contains the verification result of the letter of guarantee. This information is also encrypted through an encryption protocol to ensure its security and integrity on the way back. The preset public key of the issuing institution refers to the public key used to decrypt the encrypted feedback information. The verification feedback information refers to the plaintext information returned by the issuing institution, which contains the verification result of the letter of guarantee. This information is obtained after decrypting the encrypted feedback information, and provides the authenticity verification result of the letter of guarantee.

[0093] The present embodiment provides a method for verifying a letter of guarantee, which adopts the method of sending a letter of guarantee query message to another bank to perform cross-bank letter of guarantee verification. When a verification request signal is received, a letter of guarantee query message is sent through the other bank, and after receiving the feedback information, the feedback information is analyzed, and the feedback information is associated with the elements of the letter of guarantee to be verified, so as to achieve cross-bank letter of guarantee verification. Therefore, based on sending a letter of guarantee query message to another bank and associating the feedback information with the elements of the letter of guarantee to be verified, cross-bank letter of guarantee verification can be achieved, thereby achieving a significant improvement in the efficiency of letter of guarantee verification.

[0094] In a feasible implementation manner, step S20 may include:

[0095] If the issuing institution is the Bank, determine whether the letter of guarantee to be verified exists;

[0096] If the letter of guarantee to be verified exists, the letter of guarantee issuance elements of the letter of guarantee to be verified are obtained, and the letter of guarantee elements to be verified are compared with the letter of guarantee issuance elements to determine the letter of guarantee verification result.

[0097] It should be noted that the issuing institution refers to the bank or financial institution responsible for issuing the letter of guarantee. In the present invention, the issuing institution may be the bank (i.e., the bank that performs the verification operation) or other banks. The determination of the issuing institution is crucial to the subsequent letter of guarantee verification process. The bank refers to the bank or financial institution that performs the letter of guarantee verification operation. Compared with other banks, the bank usually has the original data and records of the letter of guarantee to be verified, which can be used for comparison with the letter of guarantee to be verified. The letter of guarantee to be verified refers to a letter of guarantee document that needs to be verified for authenticity. This document may be submitted by the applicant to a bank or other financial institution to request confirmation of the authenticity and validity of the letter of guarantee. The elements of the letter of guarantee refer to the key information and details generated during the letter of guarantee opening process, such as the letter of guarantee number, amount, beneficiary information, validity period, opening institution information, etc. These elements are recorded in the database of the bank for comparison with the letter of guarantee to be verified. The elements of the letter of guarantee to be verified refer to the key information and details extracted from the letter of guarantee document to be verified. These elements may be obtained through character recognition, manual entry or other methods, and used to compare with the elements of the letter of guarantee. The letter of guarantee verification result is the conclusion drawn based on the comparison operation, indicating whether the letter of guarantee has passed the authenticity verification. This result may be positive (the letter of guarantee is valid), negative (the letter of guarantee is invalid or has problems), or other status that requires further review.

[0098] Exemplarily, the device receives a letter of guarantee to be verified, which may be submitted in electronic form, such as a PDF document sent via an online platform of a bank or via email. The device automatically detects the information of the issuing institution on the letter of guarantee, or receives a signal that the issuing institution information is the bank, confirming that the letter of guarantee is issued by the bank, which can be achieved by checking the bank identifier, signature or seal on the letter of guarantee. The device queries the internal database to determine whether the letter of guarantee to be verified exists, and matches the letter of guarantee number on the letter of guarantee with the record in the database. If the device confirms that the letter of guarantee to be verified does exist, the device will then retrieve the opening letter of guarantee elements related to the letter of guarantee from the database. These elements may include, but are not limited to, the letter of guarantee number, amount, beneficiary information, validity period, and any specific terms and conditions. At the same time, the device extracts the corresponding elements from the submitted letter of guarantee document to be verified. The device compares the extracted letter of guarantee elements to be verified with the opening letter of guarantee elements in the database one by one. Based on the comparison results, the device finally determines the verification result of the letter of guarantee. If all key elements are completely matched, a verification report is generated; if there are mismatched elements, a verification failure report is generated, and the specific differences are pointed out. The device outputs the verification results to the user in the form of an electronic report and provides further processing suggestions as needed. For example, if the verification fails, the device recommends that the user contact the issuing institution for verification or provide additional supporting materials.

[0099] For example, in order to help understand the implementation process of the guarantee letter verification method obtained by combining this embodiment with the above-mentioned embodiment 1, please refer to Figure 2 , Figure 2 A flowchart of a method for verifying the authenticity of a letter of guarantee is provided, specifically:

[0100] The customer uploads the letter of guarantee text in PDF or image format by clicking the smart recognition button on the user interface. After receiving the uploaded file, the device automatically recognizes and extracts the letter of guarantee elements in the text, such as the letter of guarantee number, letter of guarantee amount, beneficiary, etc., using optical character recognition (OCR) technology. The recognized elements will be automatically filled in the corresponding fields preset by the system for subsequent processing.

[0101] After the customer confirms that the recognition result is correct, click the OK button and the device will record the guarantee data, including guarantee number, amount, beneficiary and other information, and store it in the database for subsequent inspection.

[0102] The customer clicks on the guarantee details again and chooses to initiate verification. The device automatically determines whether to initiate verification within the bank or across banks based on the bank that issued the guarantee selected by the customer.

[0103] If the bank verification is selected, the device will check whether there is a record of the letter of guarantee in the database. If it exists, the device will further compare the relevant elements of the letter of guarantee filled in by the customer with the elements of the letter of guarantee recorded when the bank issued it. If all elements are consistent, the verification is successful and the device will mark the letter of guarantee as authentic and valid.

[0104] If you choose inter-bank verification, the device will send a guarantee information query message to the other bank through the message system. After receiving the query message, the other bank can choose to directly feedback the query results or provide follow-up feedback through the free message system.

[0105] If the other bank directly responds to the query, the customer can query the relevant verification results in real time in the system. If the other bank responds through a free message, the device will receive feedback messages in different formats. Since the feedback formats of each bank are different, and the letter of guarantee number may contain Chinese and English characters and symbols, the accuracy of the traditional regular expression recognition method is low. Therefore, a large model is used to identify the letter of guarantee number to improve the recognition accuracy. After the device identifies the letter of guarantee number of the message, it will use this information to associate with the data initiated by the user for verification, and reflect the result in the verification result. In this way, the customer can query the accurate verification result in the system. After the device completes the above verification operation, it will process the verification result, mark the status of the letter of guarantee, and display the final verification result on the user interface. At this point, the verification process ends.

[0106] It should be noted that the above examples are only used to understand the present application and do not constitute a limitation on the guarantee verification method of the present application. More simple transformations based on this technical concept are all within the scope of protection of the present application.

[0107] This application also provides a guarantee letter verification device, please refer to Figure 4 , the letter of guarantee verification device comprises:

[0108] A determination module 10 is used to determine the letter of guarantee to be verified and the issuing institution according to the verification request signal after receiving the verification request signal;

[0109] An identification module 20, used for identifying the elements of the letter of guarantee to be verified;

[0110] The verification module 30 is used to send a letter of guarantee query message to the other bank based on the elements of the letter of guarantee to be verified, and receive the verification feedback information returned by the other bank, if the issuing institution is another bank, and associate the verification feedback information with the elements of the letter of guarantee to be verified to determine the verification result of the letter of guarantee.

[0111] And / or, the authentication module 30 includes:

[0112] A first receiving module, configured to receive verification feedback information returned by another bank and determine the type of the verification feedback information;

[0113] A first determination module, configured to read the direct feedback information and determine the verification result of the letter of guarantee if the verification feedback information is direct feedback information;

[0114] The second determination module is used to identify the letter of guarantee number of the free message through a large model if the verification feedback information is a free message, associate the free message with the letter of guarantee elements to be verified corresponding to the letter of guarantee number, and determine the letter of guarantee verification result.

[0115] And / or, the second determining module includes:

[0116] A first receiving module is used to send the free message to the big model, and receive the guarantee number recognition result and the message element recognition result returned by the big model;

[0117] A third determination module is used to determine the corresponding letter of guarantee to be verified and the elements of the letter of guarantee to be verified based on the identification result of the letter of guarantee number;

[0118] a fourth determination module, configured to associate the message element identification result with the letter of guarantee element to be verified, and determine a letter of guarantee verification result if the message element identification result includes a letter of guarantee element;

[0119] The fifth determination module is used to determine the verification result of another bank as the verification result of the letter of guarantee if the message element recognition result includes the verification result of another bank.

[0120] And / or, the letter of guarantee verification device comprises:

[0121] The first judgment module is used to judge whether the letter of guarantee to be verified exists if the issuing institution is the bank;

[0122] The sixth determination module is used to obtain the issuance letter of guarantee elements of the letter of guarantee to be verified if the letter of guarantee to be verified exists, compare the letter of guarantee elements to be verified with the issuance letter of guarantee elements, and determine the letter of guarantee verification result.

[0123] And / or, the identification module 20 includes:

[0124] A second judgment module is used to judge the type of the letter of guarantee to be verified;

[0125] A first recognition module is used for, if the letter of guarantee to be verified is in a picture format or a file format, performing character recognition on the letter of guarantee to be verified and matching the character recognition result as an element of the letter of guarantee to be verified;

[0126] The first input module is used to match the manually input information as the elements of the letter of guarantee to be verified if the letter of guarantee to be verified is a manually input letter of guarantee.

[0127] And / or, the authentication module 30 includes:

[0128] A first generating module, configured to generate a letter of guarantee query message according to the verification request signal and the elements of the letter of guarantee to be verified;

[0129] The first encryption module is used to encrypt and sign the letter of guarantee query message through a preset encryption protocol and a private key of the issuing institution to obtain an encrypted query message;

[0130] A first sending module, used for sending the encrypted query message to the issuing institution;

[0131] The first decryption module is used to receive the encrypted feedback information returned by the issuing institution, and decrypt the encrypted feedback information according to the encryption protocol and a preset public key of the issuing institution to obtain verification feedback information.

[0132] The letter of guarantee verification device provided by the present application adopts the letter of guarantee verification method in the above embodiment, which can solve the technical problem of low verification efficiency of the letter of guarantee. Compared with the prior art, the beneficial effects of the letter of guarantee verification device provided by the present application are the same as the beneficial effects of the letter of guarantee verification method provided by the above embodiment, and the other technical features in the letter of guarantee verification device are the same as the features disclosed in the above embodiment method, which will not be repeated here.

[0133] The present application provides a letter of guarantee verification device, which includes: at least one processor; and a memory communicatively connected to the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor so that the at least one processor can execute the letter of guarantee verification method in the above-mentioned embodiment one.

[0134] Reference below Figure 5 , which shows a schematic diagram of the structure of a guarantee verification device suitable for implementing the embodiment of the present application. The guarantee verification device in the embodiment of the present application may include but is not limited to mobile terminals such as mobile phones, tablet computers, laptop computers, digital broadcast receivers, PDAs (Personal Digital Assistants), PMPs (Portable Media Players), vehicle-mounted terminals (such as vehicle-mounted navigation terminals), etc., and fixed terminals such as digital TVs, desktop computers, etc. Figure 5 The letter of guarantee verification device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0135] like Figure 5 As shown, the guarantee verification device may include a processing device 1001 (e.g., a central processing unit, a graphics processing unit, etc.), which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM: Read Only Memory) 1002 or a program loaded from a storage device 1003 to a random access memory (RAM: Random Access Memory) 1004. Various programs and data required for the operation of the guarantee verification device are also stored in RAM1004. The processing device 1001, ROM1002, and RAM1004 are connected to each other via a bus 1005. An input / output (I / O) interface 1006 is also connected to the bus. Typically, the following systems may be connected to the I / O interface 1006: input devices 1007 including, for example, a touch screen, a touchpad, a keyboard, a mouse, an image sensor, a microphone, an accelerometer, a gyroscope, etc.; output devices 1008 including, for example, a liquid crystal display (LCD), a speaker, a vibrator, etc.; storage devices 1003 including, for example, a magnetic tape, a hard disk, etc.; and communication devices 1009. The communication device 1009 may allow the letter of guarantee verification device to communicate wirelessly or wired with other devices to exchange data. Although the figure shows a letter of guarantee verification device with various systems, it should be understood that it is not required to implement or have all the systems shown. More or fewer systems may be implemented or have alternatively.

[0136] In particular, according to the embodiments disclosed in the present application, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present application include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication device, or installed from a storage device 1003, or installed from a ROM 1002. When the computer program is executed by the processing device 1001, the above-mentioned functions defined in the method of the embodiment disclosed in the present application are executed.

[0137] The letter of guarantee verification device provided by the present application adopts the letter of guarantee verification method in the above embodiment, which can solve the technical problem of low verification efficiency of the letter of guarantee. Compared with the prior art, the beneficial effects of the letter of guarantee verification device provided by the present application are the same as the beneficial effects of the letter of guarantee verification method provided by the above embodiment, and the other technical features in the letter of guarantee verification device are the same as the features disclosed in the method of the previous embodiment, which will not be repeated here.

[0138] It should be understood that the various parts disclosed in this application can be implemented by hardware, software, firmware or a combination thereof. In the description of the above embodiments, specific features, structures, materials or characteristics can be combined in any one or more embodiments or examples in a suitable manner.

[0139] The above is only a specific implementation of the present application, but the protection scope of the present application is not limited thereto. Any person skilled in the art who is familiar with the present technical field can easily think of changes or substitutions within the technical scope disclosed in the present application, which should be included in the protection scope of the present application. Therefore, the protection scope of the present application should be based on the protection scope of the claims.

[0140] The present application provides a computer-readable storage medium having computer-readable program instructions (ie, computer programs) stored thereon, and the computer-readable program instructions are used to execute the letter of guarantee verification method in the above-mentioned embodiment.

[0141] The computer-readable storage medium provided in the present application may be, for example, a USB flash drive, but is not limited to electrical, magnetic, optical, electromagnetic, infrared, or semiconductor systems, systems or devices, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In this embodiment, the computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, system or device. The program code contained on the computer-readable storage medium may be transmitted using any appropriate medium, including but not limited to: wires, optical cables, RF (Radio Frequency), etc., or any suitable combination of the above.

[0142] The above-mentioned computer-readable storage medium may be included in the guarantee verification device; or it may exist independently without being assembled into the guarantee verification device.

[0143] The computer-readable storage medium carries one or more programs. When the one or more programs are executed by the guarantee verification device, the guarantee verification device: receives the guarantee to be verified, identifies the guarantee elements to be verified of the guarantee to be verified;

[0144] After receiving the verification request signal, determining the issuing institution of the letter of guarantee to be verified;

[0145] If the issuing institution is another bank, a letter of guarantee query message is sent to the other bank, feedback information from the other bank is received, the feedback information is associated with the elements of the letter of guarantee to be verified, and the verification result of the letter of guarantee is determined.

[0146] Computer program code for performing the operations of the present application may be written in one or more programming languages ​​or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a separate software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0147] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each square box in the flow chart or block diagram can represent a module, a program segment or a part of a code, and the module, the program segment or a part of the code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the square box can also occur in a sequence different from that marked in the accompanying drawings. For example, two square boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each square box in the block diagram and / or flow chart, and the combination of the square boxes in the block diagram and / or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0148] The modules involved in the embodiments described in this application may be implemented by software or hardware, wherein the name of the module does not constitute a limitation on the unit itself in some cases.

[0149] The readable storage medium provided in this application is a computer-readable storage medium, which stores computer-readable program instructions (i.e., computer programs) for executing the above-mentioned letter of guarantee verification method, and can solve the technical problem of low efficiency of letter of guarantee verification. Compared with the prior art, the beneficial effects of the computer-readable storage medium provided in this application are the same as the beneficial effects of the letter of guarantee verification method provided in the above-mentioned embodiment, and will not be elaborated here.

[0150] The present application also provides a computer program product, including a computer program, which implements the steps of the above-mentioned letter of guarantee verification method when executed by a processor.

[0151] The computer program product provided by this application can solve the technical problem of low efficiency in verifying the letter of guarantee. Compared with the prior art, the beneficial effects of the computer program product provided by this application are the same as those of the letter of guarantee verification method provided by the above embodiment, and will not be elaborated here.

[0152] The above descriptions are only some embodiments of the present application, and are not intended to limit the patent scope of the present application. All equivalent structural changes made using the contents of the present application specification and drawings under the technical concept of the present application, or direct / indirect applications in other related technical fields are included in the patent protection scope of the present application.

Claims

1. A method for verifying the authenticity of a letter of guarantee, characterized in that: The method includes: After receiving the verification request signal, determining the letter of guarantee to be verified and the issuing institution according to the verification request signal; Identify the authenticity guarantee elements of the authenticity guarantee; If the issuing institution is another bank, based on the elements of the letter of guarantee to be verified, a letter of guarantee query message is sent to the other bank, and verification feedback information returned by the other bank is received, the verification feedback information is associated with the elements of the letter of guarantee to be verified, and the verification result of the letter of guarantee is determined.

2. The method according to claim 1, characterized in that The step of receiving the verification feedback information returned by the other bank, associating the verification feedback information with the elements of the letter of guarantee to be verified, and determining the verification result of the letter of guarantee includes: Receive verification feedback information returned by the other bank, and determine the type of the verification feedback information; If the verification feedback information is direct feedback information, reading the direct feedback information to determine the verification result of the letter of guarantee; If the verification feedback information is a free message, the guarantee number of the free message is identified through the large model, and the free message is associated with the guarantee elements to be verified corresponding to the guarantee number to determine the guarantee verification result.

3. The method according to claim 2, characterized in that The step of identifying the letter of guarantee number of the free message by using the large model, associating the free message with the letter of guarantee element to be verified corresponding to the letter of guarantee number, and determining the letter of guarantee verification result comprises: Send the free message to the big model, and receive the guarantee number recognition result and the message element recognition result returned by the big model; Based on the identification result of the letter of guarantee number, determining the corresponding letter of guarantee to be verified and the elements of the letter of guarantee to be verified; If the message element identification result includes a letter of guarantee element, the message element identification result is associated with the letter of guarantee element to be verified to determine the letter of guarantee verification result; If the message element identification result includes the verification result of another bank, the verification result of the other bank will be determined as the verification result of the letter of guarantee.

4. The method according to claim 1, characterized in that After receiving the verification request signal, the step of determining the letter of guarantee to be verified and the issuing institution according to the verification request signal further includes: If the issuing institution is the Bank, determine whether the letter of guarantee to be verified exists; If the letter of guarantee to be verified exists, the letter of guarantee issuance elements of the letter of guarantee to be verified are obtained, and the letter of guarantee elements to be verified are compared with the letter of guarantee issuance elements to determine the letter of guarantee verification result.

5. The method according to claim 1, characterized in that The step of identifying the elements of the letter of guarantee to be verified comprises: Determine the type of the letter of guarantee to be verified; If the letter of guarantee to be verified is in a picture format or a file format, character recognition is performed on the letter of guarantee to be verified, and the character recognition result is matched as an element of the letter of guarantee to be verified; If the letter of guarantee to be verified is a manually entered letter of guarantee, the manually entered information is matched as the elements of the letter of guarantee to be verified.

6. The method according to claim 1, characterized in that The step of sending a letter of guarantee inquiry message to another bank and receiving verification feedback information returned by the other bank includes: Generate a letter of guarantee query message according to the verification request signal and the elements of the letter of guarantee to be verified; The letter of guarantee inquiry message is encrypted and signed by using a preset encryption protocol and the issuing institution's private key to obtain an encrypted inquiry message; Sending the encrypted query message to the issuing institution; The encrypted feedback information returned by the issuing institution is received, and the encrypted feedback information is decrypted according to the encryption protocol and a preset public key of the issuing institution to obtain verification feedback information.

7. A guarantee letter verification device, characterized in that: The device comprises: A determination module, configured to determine the letter of guarantee to be verified and the issuing institution according to the verification request signal after receiving the verification request signal; An identification module, used to identify the elements of the letter of guarantee to be verified; The verification module is used to send a guarantee query message to the other bank based on the guarantee elements to be verified if the issuing institution is another bank, and receive the verification feedback information returned by the other bank, associate the verification feedback information with the guarantee elements to be verified, and determine the guarantee verification result.

8. A letter of guarantee verification device, characterized in that: The device comprises: a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the computer program is configured to implement the steps of the method for verifying a letter of guarantee as claimed in any one of claims 1 to 6.

9. A storage medium, characterized in that: The storage medium is a computer-readable storage medium, and a computer program is stored on the storage medium. When the computer program is executed by a processor, the steps of the guarantee verification method according to any one of claims 1 to 6 are implemented.

10. A computer program product, characterized in that The computer program product comprises a computer program, and when the computer program is executed by a processor, the steps of the guarantee verification method according to any one of claims 1 to 6 are implemented.

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