Domestic and overseas customer consistency verification method, device, equipment, medium and program

Abstract

The invention discloses a method, a device, equipment, a medium and a program for verifying consistency of domestic and foreign customers, which are applied to the field of financial science and technology. The method comprises the following steps: acquiring identity recognition information of a target overseas customer; according to the identity recognition information, a target domestic customer matched with the target overseas customer is detected and searched in a domestic customer database; when the target domestic customer exists, the customer information of the target overseas customer and the customer information of the target domestic customer are associated and stored in a domestic and overseas association relationship table; and when the target domestic customer does not exist, taking the identity recognition information of the target domestic customer as to-be-processed information again, and performing re-verification after a set time period. The embodiment of the invention provides an efficient and accurate domestic and overseas customer identity consistency verification method, the accuracy and risk control capability of identity verification are improved, the customer experience is optimized, the development of cross-border business is supported, and a financial institution can find and prevent potential risks in time.

Description

Technical Field

[0001] The present invention relates to the field of big data technology, applicable to the field of financial technology, and in particular to a method, device, equipment, medium and program for consistency verification of domestic and foreign customers. Background Art

[0002] As the internationalization strategy of banks is promoted, the number of overseas customers increases. Many customers are also users of the bank's domestic system. However, due to different domestic and overseas account opening documents, the same customer has multiple sets of customer information in the bank's domestic and overseas systems. Unifying this information can provide customers with convenient global financial services and provide a data basis for banks' customer analysis and marketing.

[0003] Existing technical solutions mainly require the customer to participate in manual authentication, such as providing domestic and foreign account opening information or login information to verify whether they are the same person. There are many manual intervention links, poor convenience, and a lack of intelligent authentication methods. Summary of the invention

[0004] Based on this, the present invention provides a method, device, equipment, medium and program for consistency verification of domestic and foreign customers to solve the problem of low efficiency caused by the need for manual authentication of the existing identity recognition of cross-border customers.

[0005] In a first aspect, an embodiment of the present invention provides a method for verifying consistency between domestic and foreign customers, the method comprising:

[0006] Obtaining the identity information of the target overseas customer to be processed, wherein the identity information includes at least one of cross-border agreement information, overseas account opening information, overseas login information, and transaction verification information;

[0007] Based on the identity identification information, a check is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer;

[0008] When the target domestic customer exists, the customer information of the target overseas customer and the target domestic customer are associated and stored in a domestic and overseas association relationship table;

[0009] When the target domestic customer does not exist, the identity identification information of the target overseas customer is re-used as information to be processed for re-verification after a set period of time.

[0010] In a second aspect, an embodiment of the present invention provides a domestic and foreign customer consistency verification device, the device comprising:

[0011] An identity information acquisition module, used to acquire the identity information of the target overseas customer to be processed, wherein the identity information includes at least one of cross-border agreement information, overseas account opening information, overseas login information and transaction verification information;

[0012] A target domestic customer detection module is used to detect in the domestic customer database according to the identity identification information, and find a target domestic customer that matches the target overseas customer;

[0013] A customer information association module, used for associating the customer information of the target overseas customer with the target domestic customer and storing it in a domestic and overseas association relationship table when the target domestic customer exists;

[0014] The re-verification module is used to, when the target domestic customer does not exist, re-use the identity identification information of the target overseas customer as the information to be processed for re-verification after a set time period.

[0015] In a third aspect, an embodiment of the present invention provides an electronic device, the electronic device comprising:

[0016] at least one processor; and

[0017] a memory communicatively connected to the at least one processor; wherein,

[0018] The memory stores a computer program that can be executed by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute a domestic and foreign customer consistency verification method described in any embodiment of the present invention.

[0019] In a fourth aspect, a computer-readable storage medium is also provided, wherein the computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement a domestic and foreign customer consistency verification method described in any embodiment of the present invention when executed.

[0020] In a fifth aspect, a computer program product is also provided, the computer program product comprising a computer program, and the computer program, when executed by a processor, implements a method for verifying consistency between domestic and foreign customers as described in any embodiment of the embodiments of the present invention.

[0021] The technical solution of the embodiment of the present invention provides an efficient and accurate method for verifying the consistency of domestic and foreign customer identities. By acquiring and comparing identity information through multiple channels, the accuracy of identity verification and risk control capabilities are improved, while optimizing customer experience and supporting the development of cross-border business. At the same time, identity verification through automated and intelligent means not only simplifies the customer identity verification process, reduces the amount of information and verification times that customers need to provide, and improves customer experience, but also helps financial institutions to promptly discover and prevent potential risks.

[0022] It should be understood that the contents described in this section are not intended to identify the key or important features of the embodiments of the present invention, nor are they intended to limit the scope of the present invention. Other features of the present invention will become easily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0024] Figure 1 This is a flow chart of a method for consistency verification of domestic and foreign customers provided according to the first embodiment of the present invention;

[0025] Figure 2 This is a schematic diagram of the structure of a domestic and overseas customer consistency verification device provided according to Embodiment 2 of the present invention;

[0026] Figure 3 It is a structural schematic diagram of an electronic device for a domestic and overseas customer consistency verification method provided according to Embodiment 3 of the present invention. DETAILED DESCRIPTION

[0027] In order to enable those skilled in the art to better understand the scheme of the present invention, the technical scheme in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention.

[0028] It should be noted that the terms "first", "second", etc. in the specification and claims of the present invention and the above-mentioned drawings are used to distinguish similar objects, and are not necessarily used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged where appropriate, so that the embodiments of the present invention described herein can be implemented in an order other than those illustrated or described herein. In addition, the terms "including" and "having" and any variations thereof are intended to cover non-exclusive inclusions, for example, a process, method, system, product or device that includes a series of steps or units is not necessarily limited to those steps or units that are clearly listed, but may include other steps or units that are not clearly listed or inherent to these processes, methods, products or devices.

[0029] Embodiment 1

[0030] Figure 1 This is a flow chart of a method for verifying the consistency of domestic and foreign customers provided in the first embodiment of the present invention. This embodiment is applicable to the situation where the consistency verification of the domestic and foreign identities of financial institution customers is performed. The method can be performed by a domestic and foreign customer consistency verification device, which can be implemented in the form of hardware and / or software, and can be configured in the cross-border business system of the bank. Figure 1 As shown, the method includes:

[0031] S110. Obtain identity information of the target overseas customer to be processed, wherein the identity information includes at least one of cross-border agreement information, overseas account opening information, overseas login information, and transaction verification information.

[0032] The target overseas customers to be processed refer to overseas customers who need to undergo identity consistency verification, and the identity identification information refers to the information used to identify the identity of the overseas customers. The information includes at least one of the cross-border agreement information, overseas account opening information, overseas login information and transaction verification information, that is, each item may contain specific details that can prove or indicate the identity of the customer.

[0033] As a type of agreement document related to cross-border services, products or investments, cross-border agreement information can contain various types of product agreements, such as: Southbound Agreement, Northbound Agreement, Interconnection Agreement, e-account Agreement, etc. For easy understanding, the Southbound Agreement is an agreement under the southbound cooperation of the mainland and Hong Kong bond markets. Mainland investors can invest in the Hong Kong bond market through relevant channels, ensuring the compliance of transactions and the effectiveness of customer identity identification in cross-border investment scenarios. At the same time, it provides a basis for the identification of the same customer in terms of customer identity identification, which is convenient for banks to conduct cross-border business management and risk prevention and control. Overseas account opening information can be a series of personal information and business-related data provided by customers when opening accounts in overseas banks or financial institutions. It is of vital importance for banks to conduct customer identity identification, risk assessment, provide financial services and meet regulatory requirements.

[0034] S120. According to the identity recognition information, a check is performed in a domestic customer database to find a target domestic customer that matches the target overseas customer.

[0035] The goal of the matching process is to find domestic customers with the same identity as the target overseas customers, and to search and compare them in the domestic customer database based on the obtained identity identification information. The domestic customer database is a database that stores a large amount of domestic customer information and is used to compare and verify whether the target overseas customer has a corresponding domestic identity.

[0036] S130: When the target domestic customer exists, the customer information of the target overseas customer and the target domestic customer are associated and stored in a domestic-foreign association relationship table.

[0037] S140. When the target domestic customer does not exist, the identity identification information of the target overseas customer is re-used as information to be processed for re-verification after a set period of time.

[0038] The above-mentioned embodiments of the invention respectively describe the specific operations after finding a match and after not finding a match. Among them, the associated storage helps to quickly identify and query domestic and overseas customer relationships. At the same time, since many data and information in the financial field are time-sensitive, re-verification helps to identify potential risks and problems and ensure the integrity and accuracy of the verification process.

[0039] The embodiment of the present invention provides an efficient and accurate method for verifying the consistency of domestic and foreign customer identities. By acquiring and comparing identity information through multiple channels, the accuracy of identity verification and risk control capabilities are improved, while optimizing customer experience and supporting the development of cross-border business. At the same time, identity verification through automated and intelligent means not only simplifies the customer identity verification process, reduces the amount of information and verification times that customers need to provide, and improves customer experience, but also helps financial institutions to promptly discover and prevent potential risks.

[0040] Optionally, performing a test in a domestic customer database based on the identity identification information to search for a target domestic customer matching the target overseas customer may include:

[0041] When cross-border agreement information exists in the identity identification information, the target cross-border product agreement signed by the target overseas customer is identified in the cross-border agreement information;

[0042] In the target cross-border product agreement, identify the domestic identity information that matches the target overseas customer;

[0043] Search the domestic customer database for target domestic customers that match the domestic identity information.

[0044] Continuing with the above embodiment, the cross-border product agreement can provide a basis for the identification of the same customer in terms of customer identity identification, that is, customers who have signed relevant cross-border product agreements have undergone KYC certification, which can also be understood as a record of a user's personal profile information, such as real name, ID number, social relationship, property status, cash flow, etc. Therefore, if any target cross-border product agreement exists in the current customer's identity identification information, the identity identification information of the signatory in the target cross-border product agreement is identified, and by identifying whether there is identity information in the domestic customer database that overlaps with the identity identification information of the signatory in the target cross-border product agreement, it is determined whether there is a target domestic customer with the same identity identification information.

[0045] The embodiment of the present invention aims to identify and verify the target overseas customer and its related domestic identity identification information through cross-border agreement information, and confirm whether the domestic identity of the target overseas customer involved in the cross-border service or product really exists and whether it has been registered or recorded in the system. This is of great significance for verifying the authenticity of the customer's identity and preventing fraud.

[0046] Further, based on the identity identification information, a detection is performed in a domestic customer database to search for a target domestic customer that matches the target overseas customer, including:

[0047] When there is overseas account opening information in the identity recognition information, a scanned image of the account opening certificate is obtained from the overseas account opening information;

[0048] Perform optical character recognition on the scanned image to obtain an account opening certificate recognition result, and obtain the domestic ID number from the account opening certificate recognition result;

[0049] Search the domestic customer database for a target domestic customer whose domestic ID number matches the domestic ID number.

[0050] In an embodiment of the present invention, another prerequisite for processing the identity identification information of the target overseas customer is set, that is, the overseas account opening information, which usually includes the personal identity and related information submitted by the customer when opening an account in an overseas bank. If the prerequisite is met (the existence of overseas account opening information), the scanned image of the account opening certificate will be further extracted from this information. These certificates may include official documents such as passports, identity cards, driver's licenses, etc. that can prove the identity of the customer, and the scanned image refers to the electronic version of these certificates, which is usually stored in a picture format. Through OCR processing, all the text information on the account opening certificate can be extracted from the scanned image to form the account opening certificate recognition result. In the account opening certificate recognition result, special attention will be paid to and extracted from the domestic identity card number.

[0051] The database contains a large amount of domestic customers' ID number information. By comparing, it is detected whether there are one or more target domestic customers who match the domestic ID number provided by the target overseas customer. If there is a match, it means that the target overseas customer and the target domestic customer may be the same person or entity, thereby supporting the conclusion of identity consistency verification.

[0052] Specifically, using optical character recognition technology to extract ID numbers from account opening documents can effectively prevent identity verification failures caused by manual input errors or malicious tampering; by extracting domestic ID numbers from overseas account opening information and matching them with the domestic customer database, the accuracy of customer identity consistency verification can be greatly improved. This is not only suitable for the verification of overseas account opening information, but can also be extended to the verification of other types of identity recognition information according to actual needs.

[0053] Optionally, based on the identity identification information, a detection is performed in a domestic customer database to search for a target domestic customer that matches the target overseas customer, including:

[0054] When there is overseas login information in the identity identification information, identifying the device identification information of the login device in the overseas login information;

[0055] Starting from the current system time, tracing back, obtain the first continuous login time span when the target overseas customer uses the login device to log in to the electronic banking overseas;

[0056] If the first continuous login time span exceeds a preset time value, searching a domestic customer database for a candidate domestic customer matching the device identification information;

[0057] When the candidate domestic customer exists, backtracking is started from the current system time to obtain the second continuous login time span when the candidate domestic customer uses the login device to log in to the electronic banking in the country;

[0058] If the second continuous login time span exceeds a preset duration value, the candidate domestic customer is determined to be the target domestic customer.

[0059] Specifically, the overseas login information may be a login record left by the target overseas customer when using electronic banking services overseas. The device identification information of the login device may be extracted from the login record, wherein the device identification information may be the MAC address, IMEI number, serial number, etc. of the device, which is used to uniquely identify a device.

[0060] The time backtracking process is to search for the continuous real-time monitoring span of the target overseas customer using this device to log in to the electronic bank overseas from the current time. The continuous login time span can be used to evaluate the stability and frequency of the customer's use of this device. Among them, the preset time value is set according to business needs and risk strategies to screen potential high-frequency or stable users. Further, the domestic customer database is searched to see if there is a customer record that matches the identification information of this device. The candidate domestic customers refer to those customers who may have used this device to log in to the electronic bank in China.

[0061] If a matching candidate domestic customer is found, the time will be traced back again, this time to find the continuous time span of the candidate customer using this device to log in to e-banking in China, that is, the second continuous login time span, which is used to further verify the association between the candidate customer and the device and its activities in China. If the candidate domestic customer's continuous login time span in China also exceeds the preset time value, the final judgment condition is met, that is, it is determined as a target domestic customer that matches the target overseas customer.

[0062] For customers who have legitimate cross-regional login needs, the verification method provided in the embodiment of the present invention can reduce the risk of account locking or restricted use due to inaccurate identity verification; by comparing the login time of overseas customers using devices overseas with the login time of domestic customers using the same device domestically, it not only focuses on static identity information comparison, but also introduces dynamic behavioral feature analysis (such as login time span and device usage habits, etc.), thereby further strengthening the bank's security monitoring capabilities for the consistency of identities of domestic and overseas customers.

[0063] Further, based on the identity identification information, a detection is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer, including:

[0064] If the identity recognition information contains transaction verification information, identifying the verification SMS information contained in the transaction verification information, and extracting the telephone number in the verification SMS information;

[0065] Search the domestic customer database for target domestic customers that match the telephone number.

[0066] After confirming the existence of transaction verification information, the next step is to identify the verification SMS information specifically contained in this information. Verification SMS information is usually a means of verification sent to customers in order to verify their identity when conducting certain transactions or operations. It is usually sent to customers in the form of SMS and contains certain verification content, such as verification codes, confirmation codes, etc. After identifying the verification SMS information, it is necessary to extract the phone number from this information. The phone number is the contact method used by the customer when receiving SMS. Through the common feature of the phone number, the target overseas customer and the target domestic customer are associated and matched. If a matching domestic customer is found, then it can be considered that the two customers are consistent in identity; if no matching customer is found, further measures need to be taken for verification or re-verification.

[0067] By identifying the verification SMS in the transaction verification information and extracting the phone number, domestic customers who may be related to overseas customers can be quickly located. Compared with traditional manual verification or complex data comparison, this method greatly improves the verification efficiency. At the same time, as an important identifier of personal identity, the phone number is unique and relatively stable. By matching the phone number in the domestic customer database, it is possible to more accurately determine whether an overseas customer is related to a domestic customer.

[0068] Optionally, the method may further include:

[0069] Responding to a request for correlation identification of domestic and foreign customers, wherein the request for correlation identification includes an identifier of a domestic customer to be compared and an identifier of a foreign customer to be compared;

[0070] The domestic and foreign association table is queried to determine whether there is an association between the domestic customer identifier to be compared and the foreign customer identifier to be compared, and the query result is used as a response result to the association identification request.

[0071] In addition, the request for identifying the association between domestic and foreign customers is a prerequisite for triggering a subsequent request response. The request is usually initiated by a system or administrator to confirm whether there is a certain association relationship between two customers (a domestic customer and an overseas customer). At the same time, the request must contain two key information: the domestic customer identifier to be compared and the overseas customer identifier to be compared. The domestic and foreign association table is a key data structure that stores the association relationship between domestic and foreign customers previously confirmed by the above embodiments. The query result may indicate that there is an association relationship between the two customers, or it may indicate that there is no association relationship between them. The above result will be returned to the administrator or system that initiated the request so that they can perform subsequent operations or decisions based on this result.

[0072] Since the association table is established based on the previous strict identity consistency verification results, the query results are highly accurate, ensuring the consistency of customer information between channels and avoiding errors caused by repeated verification or manual judgment; and timely association identification results and rapid response to association identification requests help banks quickly verify customer identities, thereby promptly discovering and handling abnormal transactions or suspicious behaviors, and ensuring the safety of funds for customers and banks; by establishing and maintaining domestic and foreign association tables, banks can more effectively monitor and manage potential risks in cross-border transactions.

[0073] Embodiment 2

[0074] Figure 2 This is a schematic diagram of the structure of a domestic and foreign customer consistency verification device provided by Embodiment 3 of the present invention. Figure 2 As shown, the device comprises:

[0075] The identity information acquisition module 210 is used to acquire the identity information of the target overseas customer to be processed, wherein the identity information includes at least one of cross-border agreement information, overseas account opening information, overseas login information and transaction verification information;

[0076] A target domestic customer detection module 220 is used to detect in a domestic customer database according to the identity identification information, and find a target domestic customer that matches the target overseas customer;

[0077] The customer information association module 230 is used to associate the customer information of the target overseas customer with the target domestic customer and store them in a domestic-overseas association relationship table when the target domestic customer exists.

[0078] The re-verification module 240 is used to, when the target domestic customer does not exist, re-use the identity identification information of the target overseas customer as the information to be processed for re-verification after a set time period.

[0079] The embodiment of the present invention provides an efficient and accurate method for verifying the consistency of domestic and foreign customer identities. By acquiring and comparing identity information through multiple channels, the accuracy of identity verification and risk control capabilities are improved, while optimizing customer experience and supporting the development of cross-border business. At the same time, identity verification through automated and intelligent means not only simplifies the customer identity verification process, reduces the amount of information and verification times that customers need to provide, and improves customer experience, but also helps financial institutions to promptly discover and prevent potential risks.

[0080] Optionally, based on the above embodiments, the target domestic customer detection module 220 may include:

[0081] A product agreement matching unit, configured to identify a target cross-border product agreement signed by a target overseas customer from the cross-border agreement information when there is cross-border agreement information in the identity identification information;

[0082] A description information identification unit, used to identify the domestic identity information matching the target overseas customer in the target cross-border product agreement;

[0083] The first domestic customer detection unit is used to search a domestic customer database for a target domestic customer who matches the domestic identity identification information.

[0084] Optionally, based on the above embodiments, the target domestic customer detection module 220 may further include:

[0085] An account opening information matching unit, configured to obtain a scanned image of an account opening certificate from the overseas account opening information when the overseas account opening information exists in the identity recognition information;

[0086] A certificate recognition unit, used to perform optical character recognition on the scanned image, obtain an account opening certificate recognition result, and obtain a domestic ID number from the account opening certificate recognition result;

[0087] The second domestic customer detection unit is used to search the domestic customer database for a target domestic customer who matches the domestic ID number.

[0088] Optionally, based on the above embodiments, the target domestic customer detection module 220 may further include:

[0089] a device identification acquisition unit, configured to identify the device identification information of the login device in the overseas login information when there is overseas login information in the identity recognition information;

[0090] A first time span acquisition unit, configured to start backtracking from the current system time as a starting point, and acquire a first continuous login time span when the target overseas customer uses the login device to log in to the electronic banking overseas;

[0091] a candidate domestic customer detection unit, configured to detect whether there is a candidate domestic customer matching the device identification information in a domestic customer database if the first continuous login time span exceeds a preset time value;

[0092] A second time span acquisition unit is used for, when the candidate domestic customer exists, starting from the current system time to trace back and acquire a second continuous login time span when the candidate domestic customer uses the login device to log in to the electronic banking in the country;

[0093] The candidate domestic customer determining unit is used to determine the candidate domestic customer as the target domestic customer if the second continuous login time span exceeds a preset time value.

[0094] Optionally, based on the above embodiments, the target domestic customer detection module 220 may further include:

[0095] a transaction verification information matching unit, configured to identify verification SMS information contained in the transaction verification information and extract a telephone number in the verification SMS information if the transaction verification information exists in the identity identification information;

[0096] The third domestic customer detection unit is used to search the domestic customer database for a target domestic customer matching the telephone number.

[0097] Optionally, based on the above embodiments, the method may further include: a correlation identification request response unit, configured to respond to a correlation identification request for domestic and foreign customers, wherein the correlation identification request includes a domestic customer identifier to be compared and a foreign customer identifier to be compared;

[0098] The domestic and foreign association table is queried to determine whether there is an association between the domestic customer identifier to be compared and the foreign customer identifier to be compared, and the query result is used as a response result to the association identification request.

[0099] A domestic and foreign customer consistency verification device provided in an embodiment of the present invention can execute a domestic and foreign customer consistency verification method provided in any embodiment of the present invention, and has functional modules and beneficial effects corresponding to the execution method.

[0100] It should be noted that the information collected is information and data authorized by the user or fully authorized by all parties, and the collection, storage, use, processing, transmission, provision, disclosure and application of relevant data comply with the relevant laws, regulations and standards of relevant countries and regions, take necessary confidentiality measures, do not violate public order and good morals, and provide corresponding operation entrances for users to choose to authorize or refuse.

[0101] In addition, corresponding operation entrances are provided for users to choose to agree or reject the automated decision-making results; if the user chooses to reject, the expert decision-making process will be entered.

[0102] Embodiment 3

[0103] Figure 3A schematic diagram of the structure of an electronic device 10 that can be used to implement an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device can also represent various forms of mobile devices, such as personal digital processing, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or required herein.

[0104] like Figure 3 As shown, the electronic device 10 includes at least one processor 11, and a memory connected to the at least one processor 11, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., wherein the memory stores a computer program that can be executed by at least one processor, and the processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 to the random access memory (RAM) 13. In the RAM 13, various programs and data required for the operation of the electronic device 10 can also be stored. The processor 11, the ROM 12, and the RAM 13 are connected to each other through a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0105] A number of components in the electronic device 10 are connected to the I / O interface 15, including: an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices through a computer network such as the Internet and / or various telecommunication networks.

[0106] The processor 11 may be a variety of general and / or special processing components with processing and computing capabilities. Some examples of the processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various special artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, a digital signal processor (DSP), and any appropriate processor, controller, microcontroller, etc. The processor 11 executes the various methods and processes described above, such as a domestic and foreign customer consistency verification method.

[0107] That is: obtaining the identity information of the target overseas customer to be processed, wherein the identity information includes at least one of cross-border agreement information, overseas account opening information, overseas login information, and transaction verification information;

[0108] Based on the identity identification information, a check is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer;

[0109] When the target domestic customer exists, the customer information of the target overseas customer and the target domestic customer are associated and stored in a domestic and overseas association relationship table;

[0110] When the target domestic customer does not exist, the identity identification information of the target overseas customer is re-used as information to be processed for re-verification after a set period of time.

[0111] In some embodiments, a method for verifying consistency between domestic and foreign customers can be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as a storage unit 18. In some embodiments, part or all of the computer program can be loaded and / or installed on the electronic device 10 via the ROM 12 and / or the communication unit 19. When the computer program is loaded into the RAM 13 and executed by the processor 11, one or more steps of the method for verifying consistency between domestic and foreign customers described above can be performed. Alternatively, in other embodiments, the processor 11 can be configured to execute a method for verifying consistency between domestic and foreign customers in any other appropriate manner (for example, by means of firmware).

[0112] Various implementations of the systems and techniques described above herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), systems on chips (SOCs), load programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various implementations can include: being implemented in one or more computer programs that can be executed and / or interpreted on a programmable system including at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0113] Computer programs for implementing the methods of the present invention may be written in any combination of one or more programming languages. These computer programs may be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when the computer program is executed by the processor, the functions / operations specified in the flow chart and / or block diagram are implemented. The computer program may be executed entirely on the machine, partially on the machine, partially on the machine and partially on a remote machine as a stand-alone software package, or entirely on a remote machine or server.

[0114] In the context of the present invention, a computer-readable storage medium may be a tangible medium that may contain or store a computer program for use by or in combination with an instruction execution system, device or equipment. A computer-readable storage medium may include, but is not limited to, electronic, magnetic, optical, electromagnetic, infrared, or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, a computer-readable storage medium may be a machine-readable signal medium. A more specific example of a machine-readable storage medium may include an electrical connection based on one or more lines, 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 foregoing.

[0115] To provide interaction with a user, the systems and techniques described herein may be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and a pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices may also be used to provide interaction with the user; for example, the feedback provided to the user may be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user may be received in any form (including acoustic input, voice input, or tactile input).

[0116] The systems and techniques described herein may be implemented in a computing system that includes backend components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes frontend components (e.g., a user computer with a graphical user interface or a web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such backend components, middleware components, or frontend components. The components of the system may be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0117] A computing system may include a client and a server. The client and the server are generally remote from each other and usually interact through a communication network. The client and server relationship is generated by computer programs running on the corresponding computers and having a client-server relationship with each other. The server may be a cloud server, also known as a cloud computing server or cloud host, which is a host product in the cloud computing service system to solve the defects of difficult management and weak business scalability in traditional physical hosts and VPS services.

[0118] It should be understood that the various forms of processes shown above can be used to reorder, add or delete steps. For example, the steps described in the present invention can be executed in parallel, sequentially or in different orders, as long as the desired results of the technical solution of the present invention can be achieved, and this document does not limit this.

[0119] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions can be made according to design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.

Claims

1. A consistency verification method for domestic and foreign customers, characterized in that: include: Obtaining identity information of the target overseas customer to be processed, wherein the identity information includes at least one of cross-border agreement information, overseas account opening information, overseas login information, and transaction verification information; Based on the identity identification information, a check is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer; When the target domestic customer exists, the customer information of the target overseas customer and the target domestic customer are associated and stored in a domestic and overseas association relationship table; When the target domestic customer does not exist, the identity identification information of the target overseas customer is re-used as information to be processed for re-verification after a set period of time.

2. The method according to claim 1, characterized in that Based on the identity identification information, a test is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer, including: When cross-border agreement information exists in the identity identification information, the target cross-border product agreement signed by the target overseas customer is identified in the cross-border agreement information; In the target cross-border product agreement, identify the domestic identity information that matches the target overseas customer; Search the domestic customer database for target domestic customers that match the domestic identity information.

3. The method according to claim 1, characterized in that Based on the identity identification information, a test is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer, including: When there is overseas account opening information in the identity recognition information, a scanned image of the account opening certificate is obtained from the overseas account opening information; Perform optical character recognition on the scanned image to obtain an account opening certificate recognition result, and obtain the domestic ID number from the account opening certificate recognition result; Search the domestic customer database for a target domestic customer whose domestic ID number matches the domestic ID number.

4. The method according to claim 1, characterized in that: Based on the identity identification information, a test is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer, including: When there is overseas login information in the identity identification information, identifying the device identification information of the login device in the overseas login information; Starting from the current system time, tracing back, obtain the first continuous login time span when the target overseas customer uses the login device to log in to the electronic banking overseas; If the first continuous login time span exceeds a preset time value, searching a domestic customer database for a candidate domestic customer matching the device identification information; When the candidate domestic customer exists, backtracking is started from the current system time to obtain the second continuous login time span when the candidate domestic customer uses the login device to log in to the electronic banking in the country; If the second continuous login time span exceeds a preset duration value, the candidate domestic customer is determined to be the target domestic customer.

5. The method according to claim 1, characterized in that Based on the identity identification information, a test is performed in the domestic customer database to find a target domestic customer that matches the target overseas customer, including: If the identity recognition information contains transaction verification information, identifying the verification SMS information contained in the transaction verification information, and extracting the telephone number in the verification SMS information; Search the domestic customer database for target domestic customers that match the telephone number.

6. The method according to any one of claims 1 to 5, characterized in that: The method further comprises: Responding to a request for correlation identification of domestic and foreign customers, wherein the request for correlation identification includes an identifier of a domestic customer to be compared and an identifier of a foreign customer to be compared; The domestic and foreign association table is queried to determine whether there is an association between the domestic customer identifier to be compared and the foreign customer identifier to be compared, and the query result is used as a response result to the association identification request.

7. A consistency verification device for domestic and foreign customers, characterized in that: include: An identity information acquisition module, used to acquire the identity information of the target overseas customer to be processed, wherein the identity information includes at least one of cross-border agreement information, overseas account opening information, overseas login information and transaction verification information; A target domestic customer detection module is used to detect in the domestic customer database according to the identity identification information, and find a target domestic customer that matches the target overseas customer; A customer information association module, used for associating the customer information of the target overseas customer with the target domestic customer and storing it in a domestic and overseas association relationship table when the target domestic customer exists; The re-verification module is used to, when the target domestic customer does not exist, re-use the identity identification information of the target overseas customer as the information to be processed for re-verification after a set time period.

8. An electronic device, characterized in that: The electronic device comprises: at least one processor; and a memory communicatively connected to the at least one processor; wherein, The memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor so that the at least one processor can execute a domestic and foreign customer consistency verification method as described in any one of claims 1-6.

9. A computer-readable storage medium, characterized in that: The computer-readable storage medium stores computer instructions, and the computer instructions are used to enable a processor to implement a domestic and foreign customer consistency verification method according to any one of claims 1 to 6 when executed.

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 computer program implements a domestic and overseas customer consistency verification method according to any one of claims 1-6.

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