Centralized multi-system linkage certificate auditing method and device and electronic equipment

Abstract

The invention discloses a centralized multi-system linkage certificate auditing method, a centralized multi-system linkage certificate auditing device and electronic equipment, and belongs to the technical field of financial information. The method comprises the following steps: connecting a background database of each business system in a financial institution by using a uniform interface, and synchronously obtaining customer certificate information of each business system in real time; identifying text information of a to-be-audited certificate, setting a certificate consistency verification model, calculating a certificate consistency verification score in combination with customer certificate information of each business system, and making a certificate audit strategy according to the certificate consistency verification score; wherein the certificate auditing strategy comprises the steps that when the certificate consistency verification score exceeds a set verification threshold value, certificate auditing is passed, and otherwise, manual verification is carried out. Accuracy and real-time performance of certificate auditing work are effectively improved, and the purposes of simplifying the operation process, ensuring data consistency and strengthening risk control are achieved. The service continuity and safety are guaranteed, and the problem of information splitting among multiple service systems is solved.

Description

Technical Field

[0001] The present invention relates to the field of financial information technology, and in particular to a centralized multi-system linked certificate review method, device and electronic equipment. Background Art

[0002] Currently, in financial institutions, when customers open accounts or update their documents through different channels such as counters, electronic banking, and mobile business development, operators are often required to log in to multiple back-end management systems separately to search and verify the document information, resulting in cumbersome operations and low efficiency.

[0003] For example, Chinese patent application CN1728659A relates to a bank depositor identity document verification system and method, and specifically discloses the following technical solution: a bank depositor identity document verification system, comprising an intelligent terminal U1 set up at each bank branch terminal counter, a branch server U2 set up at each bank branch, and a central server U3 set up in the bank center computer room, wherein the intelligent terminal U1 of each bank branch is connected to the branch server U2 of the bank branch through the bank local area network, and the branch server U2 is connected to the bank central server U3 through the bank wide area network. The central server U3 is a computer with central server software installed, comprising a central control module U31, a data management module U32, and a branch server communication module U33, wherein the data management module U32 and the branch server communication module U33 are respectively connected to the central control module U31, and the branch server communication module U33 is connected to the bank local area network. The working process of the bank depositor identity document verification system is: 1. Place an intelligent terminal U1 on the counter of each branch, place a branch server U2 at the bank branch, and place a central server U3 in the bank's central computer room; 2. Each device is connected to the bank network, and the intelligent terminal U1 is connected to the bank counter terminal through its RS232 interface U15; 3. When a depositor opens an account, he / she hands the identity document to the front desk staff. When the front desk staff swipes the depositor's bank card, the card reader U12 sends the bank card number information to the bank savings system through the RS232 interface U15. At the same time, the card reader U12 sends the card number information to the branch server U2 through the central processing unit U16, the network module U14 and the bank's local area network; 4. The branch server U2 prompts the front desk staff to proceed through the LCD display on the intelligent terminal U1 Scan or take a photo of the ID card; 5. The image collector U11 on the smart terminal U1 sends the ID card information obtained by scanning or taking a photo to the central processing unit U16, and then sends it to the branch server U2 through the network module U14 and the bank's local area network for background processing, and the LCD display will show the relevant information sent by the branch server U2; 6. When the depositor withdraws money, the front desk staff scans or takes a photo of the depositor's ID card for withdrawal; 7. The branch server U2 retrieves the ID card image information reserved when the depositor opens an account according to the card number information obtained by the card reader U12, and compares it with the image information obtained by the smart terminal U1, and displays the comparison result on the LCD display of the smart terminal U1; 8. The branch server U2 can obtain the depositor's account opening reserved information of other branches by exchanging the depositor's account opening reserved information with the central server U3. In this patent application, a system and method for verifying the ID card of a customer when opening an account at the counter are disclosed. In addition to the counter, customers can also open accounts or update documents through other channels such as electronic banking and mobile business development. If you open an account through different channels, you need to develop corresponding document review systems and methods, which is not only cumbersome to operate, but also inefficient and costly. Summary of the invention

[0004] In order to solve the problems existing in the prior art, the present invention provides the following technical solutions.

[0005] The first aspect of the present invention provides a centralized multi-system linkage certificate review method, comprising:

[0006] Use a unified interface to connect to the backend database of each business system in a financial institution, and obtain customer certificate information of each business system in real time and synchronously;

[0007] Identify the text information of the certificate to be reviewed, set up a certificate consistency verification model, and combine the customer certificate information of each business system to calculate the certificate consistency verification score, and formulate a certificate review strategy based on the certificate consistency verification score. The certificate review strategy includes: when the certificate consistency verification score exceeds the set verification threshold, the certificate review is passed, otherwise, manual verification is performed.

[0008] Preferably, the certificate review method also includes the steps of: creating a core database table structure and storing the data obtained from each business system in the table; wherein the core database table includes a customer information table, a certificate information table and a certificate change history table, the customer information table is used to record the customer's basic information; the certificate information table is used to record the customer's certificate information; the certificate change history table is used to record the customer's certificate change history.

[0009] Preferably, the customer information table includes fields: customer unique identification, name and certificate type; the certificate information table includes fields: certificate record unique identification, associated customer ID, certificate number, certificate issuance date, certificate expiration date, certificate issuing authority and certificate image file path; the certificate change history table includes fields: historical record unique identification, associated customer ID, associated certificate ID, certificate change type and change date.

[0010] Preferably, the document review method further comprises the steps of: creating a document recognition result table for storing text information recognized from the document to be reviewed; the document recognition result table comprises fields: recognition result unique identifier, associated document ID, recognized text content and recognition confidence score.

[0011] Preferably, the certificate review method also includes the steps of: creating a comparison result table for storing the comparison results of the certificate consistency verification score and the verification threshold; the comparison result table includes fields: comparison record unique identifier, associated certificate ID, source business system, comparison status and comparison details description.

[0012] Preferably, the document review method further comprises the step of: creating an audit log table for recording each document review-related operation; the audit log table comprises fields: log record unique identifier, operator ID, operation time, associated customer ID, operation type and operation result.

[0013] Preferably, the certificate review method further comprises the steps of: constructing an integrated operation interface, which supports operators to review certificates based on text information, data obtained from various business systems, and comparison results; the integrated operation interface also supports operators to retrieve and query customer certificate information, and initiate certificate update requests, and send the update requests to the corresponding business system through the internal interface for processing;

[0014] When the operator completes the certificate review and update operation, the newly submitted certificate information and comparison results will be updated; at the same time, the updated certificate information will be synchronized to the related business system through a unified interface.

[0015] Preferably, the certificate consistency verification model is specifically:

[0016]

[0017] Among them, C text is the certificate consistency verification score, p is the number of fields in the text information of the certificate to be reviewed, and w k is the weight of the first field, H1(T k ) is the text information of the kth field in the text information of the document to be reviewed T k The first hash value of The text information of the kth field in the customer certificate information of each business system The first hash value, γ k is the first adjustment factor of the first hash value of the kth field, η k is the third adjustment factor of the first hash value of the kth field, δ k is the second adjustment factor of the first hash value of the kth field, H2(T k ) is the text information T of the kth field k The second hash value, The text information of the kth field in the customer certificate information of each business system The second hash value, γ′ k is the first adjustment factor of the second hash value of the kth field, η′ k is the third adjustment factor of the second hash value of the kth field, δ′ k is the second adjustment factor of the second hash value of the kth field, λ k is the adjustment factor for the edit distance of the kth field, Tk and The edit distance between .

[0018] A second aspect of the present invention provides a centralized multi-system linkage certificate review device, comprising:

[0019] The data integration module is used to connect to the backend database of each business system in the financial institution through a unified interface, and obtain the customer certificate information of each business system in real time and synchronously;

[0020] The intelligent review module is used to identify the text information of the certificate to be reviewed, set the certificate consistency verification model, and calculate the certificate consistency verification score in combination with the customer certificate information of each business system, and formulate the certificate review strategy based on the certificate consistency verification score. Among them, the certificate review strategy includes: when the certificate consistency verification score exceeds the set verification threshold, the certificate review is passed, otherwise, manual verification is performed.

[0021] The present invention also provides an electronic device, comprising a processor and a memory connected to the processor, wherein the memory stores a plurality of instructions, and the instructions can be loaded and executed by the processor so that the processor can execute the centralized multi-system linkage document review method as described in the first aspect.

[0022] The beneficial effects of the present invention are as follows: the present invention provides a centralized multi-system linked certificate review method, device and electronic device, which obtains the background data of multiple business systems of financial institutions in real time and synchronously, integrates the customer certificate information of each business system into a centralized platform, and uses these data to compare and review the uploaded certificates to be reviewed on the centralized platform, effectively improving the accuracy and real-time performance of the certificate review work, and achieving the goals of simplifying the operation process, ensuring data consistency and strengthening risk control. While avoiding the cumbersome operation caused by the fragmentation of multiple systems, it ensures the business continuity and security of financial institutions in the certificate review process. At the same time, it solves the problem of information fragmentation between multiple business systems. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] Figure 1 It is a flowchart of the centralized multi-system linkage certificate review method of the present invention;

[0024] Figure 2 It is a functional structure diagram of the centralized multi-system linkage certificate verification device of the present invention. DETAILED DESCRIPTION

[0025] In order to better understand the above technical solution, the above technical solution will be described in detail below in conjunction with the accompanying drawings and specific implementation methods.

[0026] The method provided by the present invention can be implemented in the following terminal environment, and the terminal may include one or more of the following components: a processor, a memory, and a display screen. The memory stores at least one instruction, and the instruction is loaded and executed by the processor to implement the method described in the following embodiment.

[0027] The processor may include one or more processing cores. The processor uses various interfaces and lines to connect various parts of the entire terminal, and executes various functions of the terminal and processes data by running or executing instructions, programs, code sets or instruction sets stored in the memory, and calling data stored in the memory.

[0028] The memory may include random access memory (RAM) or read-only memory (ROM). The memory may be used to store instructions, programs, codes, code sets or instructions.

[0029] The display screen is used to display the user interface of each application.

[0030] In addition, those skilled in the art can understand that the structure of the above terminal does not constitute a limitation on the terminal, and the terminal may include more or fewer components, or combine certain components, or arrange the components differently. For example, the terminal also includes components such as a radio frequency circuit, an input unit, a sensor, an audio circuit, and a power supply, which will not be described in detail here.

[0031] Embodiment 1

[0032] like Figure 1 As shown, an embodiment of the present invention provides a centralized multi-system linkage certificate review method, including: S101, using a unified interface to connect to the backend database of each business system in a financial institution, and synchronously obtaining customer certificate information of each business system in real time; S102, identifying the text information of the certificate to be reviewed, setting a certificate consistency verification model, and combining the customer certificate information of each business system, calculating the certificate consistency verification score, and formulating a certificate review strategy based on the certificate consistency verification score, wherein the certificate review strategy includes: when the certificate consistency verification score exceeds the set verification threshold, the certificate review is passed, otherwise, manual verification is performed.

[0033] In step S101, a unified data integration interface layer can be created, which is connected to the backend database of each business system through a predefined API or ETL tool. A core database table structure can also be created to store data obtained from each business system in the table; wherein the core database table includes a customer information table, a certificate information table, and a certificate change history table. The customer information table is used to record the basic information of the customer; the certificate information table is used to record the certificate information of the customer; and the certificate change history table is used to record the certificate change history of the customer.

[0034] Furthermore, the customer information table may include fields: customer unique identification, name and certificate type; the certificate information table may include fields: certificate record unique identification, associated customer ID, certificate number, certificate issuance date, certificate expiration date, certificate issuing authority and certificate image file path; the certificate change history table may include fields: historical record unique identification, associated customer ID, associated certificate ID, certificate change type and change date.

[0035] In step S102, OCR recognition technology can be used to recognize text information of the document to be reviewed. In the specific implementation process, a document recognition result table can be created to store the text information recognized from the document to be reviewed; the document recognition result table can include fields: recognition result unique identifier, associated document ID, recognized text content and recognition confidence score.

[0036] Furthermore, the certificate consistency verification model is as follows:

[0037]

[0038] Among them, C text is the certificate consistency verification score, p is the number of fields in the text information of the certificate to be reviewed, and w k is the weight of the first field, H1(T k ) is the text information of the kth field in the text information of the document to be reviewed T k The first hash value of The text information of the kth field in the customer certificate information of each business system The first hash value, γ k is the first adjustment factor of the first hash value of the kth field, η k is the third adjustment factor of the first hash value of the kth field, δ k is the second adjustment factor of the first hash value of the t-th field, H2(T k ) is the text information T of the kth field k The second hash value, The text information of the kth field in the customer certificate information of each business system The second hash value, γ′ k is the first adjustment factor of the second hash value of the kth field, η′ k is the third adjustment factor of the second hash value of the th field, δ′ k is the second adjustment factor of the second hash value of the kth field, λ k is the adjustment factor for the edit distance of the kth field, T k and The edit distance between .

[0039] In order to enhance the robustness of the document consistency verification model, this embodiment uses different hash algorithms to calculate the first hash value and the second hash value, that is, to calculate H1(T k )and is a hash algorithm, for example, Perceptual Hash, and calculates H2(T k )and is another hash algorithm, for example, SHA-256 hash. The example of hash algorithm in this embodiment does not mean that only the example hash algorithm can be used. Other hash algorithms can also be used as long as the calculation of H1(T k )and and calculate H2(T k )and The hash algorithm used can be different.

[0040] The weights and adjustment factors in the document consistency verification model are fitted by the least squares method or ant colony algorithm, thereby improving the accuracy of the document consistency verification model.

[0041] In order to make the document review more accurate, this embodiment extracts the user photo on the document to be reviewed when the document consistency verification score exceeds the set verification threshold, compares the user photo with the user photos on other user documents in each business system, calculates the similarity, and uses the other user documents corresponding to the highest similarity among all similarities as the most similar other documents. If the highest similarity exceeds the preset similarity threshold, the document to be reviewed is manually verified, and the other most similar documents are synchronously sent for manual verification. The purpose of this is to prevent users from forging documents, thereby completing the document review through forged documents.

[0042] In one embodiment of the present invention, a comparison result table may also be created to store the comparison results of the document consistency verification score and the verification threshold; the comparison result table may include fields: comparison record unique identifier, associated document ID, source business system, comparison status and comparison details description.

[0043] In one embodiment of the present invention, business personnel can quickly perform one-stop document review operations based on the data in the customer information table, document information table, and the associated document change history table, document recognition result table, and comparison result table. In the specific implementation process, an audit log table can be created to record each operation related to the document review; the audit log table may include fields: log record unique identifier, operator ID, operation time, associated customer ID, operation type (such as query, review, modification, etc.) and operation result. All operation records of the review process can be automatically saved to the audit log table for later audit and tracking.

[0044] In one embodiment of the present invention, an integrated operation interface is constructed, which supports operating personnel to perform document review based on text information, data obtained from various business systems and comparison results; the integrated operation interface also supports operating personnel to retrieve and query customer document information, and initiate document update requests, and send the update requests to the corresponding business system through an internal interface for processing; when the operating personnel completes the document review and update operations, the newly submitted document information and comparison results are updated; at the same time, the updated document information is synchronized to the associated business system through a unified interface to ensure consistency across all channels.

[0045] In a preferred embodiment of the present invention, the data obtained from various business systems can be associated and integrated according to the customer ID to build a complete customer certificate life cycle file.

[0046] In addition, during the certificate review process, if any abnormal information is found, an early warning signal will be triggered immediately and pushed to relevant personnel. Specifically, when abnormal certificates or information discrepancies are found, an early warning signal will be triggered immediately, and risk events will be pushed to relevant personnel so that timely actions can be taken to ensure the safe operation of the business. A risk event table can be established. When abnormal certificates are found, risk events will be recorded in this table. The risk event table may include the following fields: event unique identifier, associated customer ID, risk level, risk description, and discovery time. Regularly or in real time, monitor certificate changes in the certificate change history table. When frequent changes or abnormal changes are found in a short period of time, the internal risk control process will be triggered. When there is an inconsistency in the certificate consistency verification score or the risk level is high, the event will be recorded in the risk event table and a warning notification will be sent to relevant operators.

[0047] The present invention not only effectively solves the problem of document review in a multi-system environment, but also optimizes business processes and improves risk control capabilities through technical means, providing financial institutions with a safer, more convenient and more efficient document review solution. The specific performance is as follows:

[0048] 1. Improved work efficiency: By integrating the certificate information of multiple business systems into a centralized review platform, the workflow of operators is greatly simplified, and the time cost of cross-system operations is reduced, thereby significantly improving the overall efficiency of certificate review.

[0049] 2. Enhanced data consistency: Since the customer's entire life cycle document files are managed on one platform, the consistency and accuracy of customer document information between different business channels is guaranteed, reducing the risks and errors caused by inconsistent information.

[0050] 3. Improved accuracy of intelligent recognition and verification: The use of advanced OCR technology and big data analysis algorithms has effectively improved the ability to automatically recognize and compare text information in document images or electronic information, greatly improving the accuracy of audits.

[0051] 4. Faster risk control response speed: When the system detects an abnormal situation, the early warning and risk control mechanism can be triggered quickly, and the risk event can be pushed to relevant personnel in a timely manner, which greatly shortens the time period for financial institutions to discover and respond to potential risks and enhances risk prevention capabilities.

[0052] 5. Optimized service experience: The integrated operation interface facilitates business personnel to efficiently query and handle certificate matters. It also supports customers' certificate update needs when switching seamlessly between channels, improving customer experience and service satisfaction.

[0053] 6. Meeting compliance and regulatory requirements: The centralized document review platform facilitates financial institutions to comply with relevant laws and regulatory requirements more effectively, provides complete and standardized audit tracking records, and helps maintain a good industry compliance image.

[0054] Embodiment 2

[0055] like Figure 2 As shown, another aspect of the present invention also includes a functional module architecture that is completely consistent with the aforementioned method flow, that is, an embodiment of the present invention also provides a centralized multi-system linkage certificate review device, including: a data integration module 201, which is used to use a unified interface to connect to the back-end database of each business system in a financial institution, and synchronously obtain customer certificate information of each business system in real time; an intelligent review module 202, which is used for the intelligent review module to identify the text information of the certificate to be reviewed, set a certificate consistency verification model, and calculate the certificate consistency verification score in combination with the customer certificate information of each business system, and formulate a certificate review strategy based on the certificate consistency verification score, wherein the certificate review strategy includes: when the certificate consistency verification score exceeds the set verification threshold, the certificate review is passed, otherwise, manual verification is performed.

[0056] The device can be implemented through the centralized multi-system linkage certificate review method provided in the above-mentioned embodiment 1. The specific implementation method can be found in the description of embodiment 1 and will not be repeated here.

[0057] The present invention also provides a memory storing a plurality of instructions, wherein the instructions are used to implement the centralized multi-system linkage certificate review method as described in the first embodiment.

[0058] The present invention also provides an electronic device, comprising a processor and a memory connected to the processor, wherein the memory stores a plurality of instructions, and the instructions can be loaded and executed by the processor so that the processor can execute the centralized multi-system linkage certificate review method as described in Example 1.

[0059] Although preferred embodiments of the present invention have been described, additional changes and modifications may be made to these embodiments by those skilled in the art once the basic inventive concepts are known. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the present invention. Obviously, those skilled in the art may make various changes and modifications to the present invention without departing from the spirit and scope of the present invention. Thus, if these modifications and variations of the present invention fall within the scope of the claims of the present invention and their equivalents, the present invention is also intended to include these modifications and variations.

Claims

1. A centralized multi-system linkage certificate review method, characterized in that: include: Use a unified interface to connect to the backend database of each business system in a financial institution, and obtain customer certificate information of each business system in real time and synchronously; Identify the text information of the certificate to be reviewed, set up a certificate consistency verification model, and combine the customer certificate information of each business system to calculate the certificate consistency verification score, and formulate a certificate review strategy based on the certificate consistency verification score. The certificate review strategy includes: when the certificate consistency verification score exceeds the set verification threshold, the certificate review is passed, otherwise, manual verification is performed.

2. The centralized multi-system linkage certificate review method as claimed in claim 1, characterized in that: The certificate review method also includes the steps of: creating a core database table structure and storing the data obtained from each business system in the table; wherein the core database table includes a customer information table, a certificate information table and a certificate change history table, the customer information table is used to record the customer's basic information; the certificate information table is used to record the customer's certificate information; the certificate change history table is used to record the customer's certificate change history.

3. The centralized multi-system linkage certificate review method as claimed in claim 2, characterized in that: The customer information table includes fields: customer unique identification, name and certificate type; the certificate information table includes fields: certificate record unique identification, associated customer ID, certificate number, certificate issuance date, certificate expiration date, certificate issuing authority and certificate image file path; the certificate change history table includes fields: historical record unique identification, associated customer ID, associated currently valid certificate ID, certificate change type and change date.

4. The centralized multi-system linkage certificate review method according to claim 1, characterized in that: The document review method also includes the steps of: creating a document recognition result table for storing text information recognized from the document to be reviewed; the document recognition result table includes fields: recognition result unique identifier, associated document ID, recognized text content and recognition confidence score.

5. The centralized multi-system linkage certificate review method as claimed in claim 4, characterized in that: The certificate review method also includes the steps of: creating a comparison result table for storing the comparison results of the certificate consistency verification score and the verification threshold; the comparison result table includes fields: comparison record unique identifier, associated certificate ID, source business system, comparison status and comparison details description.

6. The centralized multi-system linkage certificate review method as claimed in claim 1, characterized in that: The document review method also includes the steps of: creating an audit log table for recording each document review-related operation; the audit log table includes fields: log record unique identifier, operator ID, operation time, associated customer ID, operation type and operation result.

7. The centralized multi-system linkage certificate review method as claimed in claim 1, characterized in that: The document review method further includes the steps of: constructing an integrated operation interface, which supports operators to review documents based on text information, data obtained from various business systems, and comparison results; the integrated operation interface also supports operators to retrieve and query customer document information, and initiate document update requests, and send the update requests to the corresponding business system through an internal interface for processing; When the operator completes the certificate review and update operation, the newly submitted certificate information and comparison results will be updated; at the same time, the updated certificate information will be synchronized to the related business system through a unified interface.

8. The centralized multi-system linkage certificate review method as claimed in claim 1, characterized in that: The specific certificate consistency verification model is as follows: Among them, C text is the certificate consistency verification score, p is the number of fields in the text information of the certificate to be reviewed, and w k is the weight of the kth field, H1(T k ) is the text information of the kth field in the text information of the document to be reviewed T k The first hash value of The text information of the kth field in the customer certificate information of each business system The first hash value, γ k is the first adjustment factor of the first hash value of the kth field, η k is the third adjustment factor of the first hash value of the kth field, δ k is the second adjustment factor of the first hash value of the kth field, H2(T k ) is the text information T of the kth field k The second hash value, The text information of the kth field in the customer certificate information of each business system The second hash value, γ′ k is the first adjustment factor of the second hash value of the kth field, η′ k is the third adjustment factor of the second hash value of the kth field, δ′ k is the second adjustment factor of the second hash value of the kth field, λ k is the adjustment factor for the edit distance of the kth field, T k and The edit distance between .

9. A centralized multi-system linkage certificate review device, characterized in that: include: The data integration module is used to connect to the backend database of each business system in the financial institution through a unified interface, and obtain the customer certificate information of each business system in real time and synchronously; The intelligent review module is used to identify the text information of the certificate to be reviewed, set the certificate consistency verification model, and calculate the certificate consistency verification score in combination with the customer certificate information of each business system, and formulate the certificate review strategy based on the certificate consistency verification score. Among them, the certificate review strategy includes: when the certificate consistency verification score exceeds the set verification threshold, the certificate review is passed, otherwise, manual verification is performed.

10. An electronic device, characterized in that: It includes a processor and a memory connected to the processor, the memory stores multiple instructions, and the instructions can be loaded and executed by the processor, so that the processor can execute the centralized multi-system linkage document review method as described in any one of claims 1-8.

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