AI model-based auxiliary data auditing method and system

By building a merchant profile review system based on AI models and utilizing pre-review, risk and compliance intelligence combined with routing modules, we have solved the high cost of manual review on third-party payment platforms, achieved efficient and accurate merchant profile review, and adapted to legal changes and multi-source data verification.

CN120806948APending Publication Date: 2025-10-17SHANGHAI FUIOU PAYMENT SERVICE
6 Cites 3 Cited by

Patent Information

Application Number
CN202511299967.9
Authority / Receiving Office
CN · China
Patent Type
Applications(China)
Current Assignee / Owner
Filing Date
2025-09-12
Publication Date
2025-10-17

AI Technical Summary

Technical Problem

In the existing technology, third-party payment platforms rely on a lot of manpower to review merchant information, resulting in high costs and low efficiency. In particular, it is difficult for software to automatically determine whether the backgrounds of the front and back of the legal person's ID card are consistent, whether the storefront photo and the interior photo are of the same store, whether the storefront and interior photo have the same address, comparing the door number and contact address in the storefront photo, comparing the interior photo and the MCC, and whether the attached materials are photoshopped or copied from the screen. This leads to a serious backlog of manpower.

Method used

An AI-model-based auxiliary audit system is adopted, including pre-review audit agents, risk audit agents and compliance audit agents. The corresponding sub-agents are constructed through API configuration, and the most suitable AI model is selected for audit in combination with the routing module. OCR, image processing technology and RAG technology are used for data extraction and verification, supplemented by manual review, to achieve efficient and accurate merchant information review.

Benefits of technology

Significantly reduce manual review workload, improve review efficiency and accuracy, reduce costs, achieve efficient and automated review of merchant information, and adapt to real-time updates of legal regulations and multi-source data verification.

✦ Generated by Eureka AI based on patent content.
Patent Text Reader

Abstract

The invention relates to an AI model-based auxiliary data auditing method and system, and the system comprises a data auditing auxiliary module which comprises a pre-auditing agent which is configured to check whether data submitted by a merchant is complete or not and carry out the data extraction of the submitted data; a risk auditing agent configured to verify the authenticity, consistency and risk of the data based on the extracted data; a compliance auditing agent configured to verify whether the data is legal and compliant based on the extracted data; the manual auditing module is configured to be used for manually rechecking auditing results from the pre-auditing agent, the risk auditing agent and the compliance auditing agent; and the routing module is configured to be used for selecting the AI model for constructing the corresponding sub-agent from the plurality of AI models according to the auditing task to be executed.
Need to check novelty before this filing date? Find Prior Art