CN112686351A - Channel risk control method and device - Google Patents

Abstract

The invention provides a channel risk control method and a channel risk control device, which are used for verifying identity information when receiving client identity information sent by identity authentication equipment; if the verification is passed, and when the authorization information input by the client through the identity authentication equipment is obtained, determining a client identifier corresponding to the client avatar based on the client identity information; searching a client information data packet corresponding to the client identifier; decrypting the client information data packet to obtain client data; to determine if the customer is present as a risky customer. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Description

Channel risk control method and device

Technical Field

The invention relates to the technical field of data processing, in particular to a channel risk control method and device.

Background

At present, image information of a customer can be collected through a camera of a sales center, and customer data such as the collected image information is registered to verify whether the visited customer is a channel customer, so that the situation that a channel salesperson marks a naturally visited customer as a channel customer is avoided. Since registered customer data is easily tampered, the situation that a channel salesperson marks a naturally visited customer as a channel customer cannot be effectively avoided in the above manner, and the customer data of the customer cannot be protected.

Disclosure of Invention

In view of this, embodiments of the present invention provide a channel risk control method and device, so as to solve the problem in the prior art that it is not possible to accurately determine whether a customer has a risk.

In order to achieve the above purpose, the embodiments of the present invention provide the following technical solutions:

the first aspect of the embodiment of the invention discloses a channel risk control method, which comprises the following steps:

when client identity information sent by identity authentication equipment is received, verifying the client identity information, wherein the client identity information comprises a client head portrait and identity card information;

if the verification is passed, and when the authorization information input by the client through the identity authentication equipment is obtained, determining a client identifier corresponding to the client avatar based on the client identity information;

searching a client information data packet corresponding to the client identifier, wherein the client information data packet is generated by image information acquired by monitoring equipment;

decrypting the client information data packet to obtain client data;

determining whether the customer is a channel customer according to the customer data;

if not, determining that the client is a risk client.

Optionally, the process of generating the client information data packet from the image information collected by the monitoring device includes:

acquiring image information acquired by monitoring equipment in a sales center, wherein the image information comprises a client image of at least one client, the position of the monitoring equipment and image acquisition time;

judging whether a customer corresponding to the customer image is a new customer according to the customer image of the same customer, wherein the new customer is used for indicating the customer coming to a sales center for the first time;

if yes, generating a customer identifier corresponding to the customer image according to the customer image;

encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain encrypted client data;

and packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet.

Optionally, the determining, according to the client image of the same client, whether the client corresponding to the client image is a new client includes:

extracting characteristic values corresponding to the customer images of the same customer;

calculating the characteristic value corresponding to the client image and the image characteristic value stored in a database to obtain the image similarity;

judging whether the image similarity is greater than or equal to a preset threshold value or not;

if the number of the clients is smaller than the preset number, determining the client corresponding to the client image as a new client;

and if the number of the clients is larger than or equal to the preset number, determining that the client corresponding to the client image is not a new client.

Optionally, the method further includes:

when determining that the client corresponding to the client image is an old client, acquiring a client identifier corresponding to the client image, wherein a corresponding relation exists between the client image of the old client and the client identifier;

encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain encrypted client data;

and packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet.

Optionally, the verifying the client identity information includes:

extracting the characteristic value of the head portrait of the client and the characteristic value of the identity card image in the identity card information;

judging whether the characteristic value of the head portrait of the client is consistent with the characteristic value of the identity card image or not;

and if the client authentication is consistent with the client authentication, the client authentication is passed.

The second aspect of the embodiment of the invention discloses a channel risk control device, which comprises an authority authentication module, a channel management module and a channel management module, wherein the authority authentication module is used for verifying the identity information of a client when receiving the identity information of the client input by identity authentication equipment, and the identity information of the client comprises a client head portrait and identity card information;

the data processing module is used for determining a client identifier corresponding to the client avatar based on the client identity information when the client passes the verification and the authorization information input by the client through the identity authentication equipment is acquired; searching a client information data packet corresponding to the client identifier, wherein the client information data packet is generated by image information acquired by monitoring equipment; decrypting the client information data packet to obtain client data; determining whether the customer is a channel customer according to the customer data; if not, determining that the client is a risk client.

Optionally, the method includes: a data storage unit;

the data storage module comprises:

the system comprises an identification unit, a monitoring unit and a display unit, wherein the identification unit is used for acquiring image information acquired by monitoring equipment in a sales center, and the image information comprises a client image of at least one client, the position of the monitoring equipment and image acquisition time; judging whether a customer corresponding to the customer image is a new customer according to the customer image of the same customer, wherein the new customer is used for indicating the customer coming to a sales center for the first time; if yes, generating a customer identifier corresponding to the customer image according to the customer image;

the encryption unit is used for encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain encrypted client data; and packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet.

Optionally, the identification unit, configured to determine, according to the client image of the same client, whether the client corresponding to the client image is a new client: extracting characteristic values corresponding to the customer images of the same customer; calculating the characteristic value corresponding to the client image and the image characteristic value stored in a database to obtain the image similarity; judging whether the image similarity is greater than or equal to a preset threshold value or not; if the number of the clients is smaller than the preset number, determining the client corresponding to the client image as a new client; and if the number of the clients is larger than or equal to the preset number, determining that the client corresponding to the client image is not a new client.

The third aspect of the embodiment of the present invention discloses an electronic device, where the electronic device is configured to run a program, and the program executes the channel risk control method shown in the first aspect of the embodiment of the present invention when running.

A fourth aspect of the embodiments of the present invention discloses a computer storage medium, where the computer storage medium includes a storage program, and when the program runs, the computer storage medium controls a device in which the storage medium is located to execute the channel risk control method according to the first aspect of the embodiments of the present invention.

Based on the channel risk control method and device provided by the embodiment of the invention, the method comprises the following steps: when receiving client identity information sent by identity authentication equipment, verifying the client identity information, wherein the client identity information comprises a client head portrait and identity card information; if the verification is passed, and when the authorization information input by the client through the identity authentication equipment is obtained, determining a client identifier corresponding to the client avatar based on the client identity information; searching a client information data packet corresponding to the client identifier, wherein the client information data packet is generated by image information acquired by monitoring equipment; decrypting the client information data packet to obtain client data; determining whether the customer is a channel customer or not according to the customer data; and if not, determining that the client is the risk client. In the embodiment of the invention, identity authentication is firstly carried out on the visited client, after the authentication is passed and the authorization information of the client is obtained, the client identification corresponding to the client identity information is determined, and the client information data packet corresponding to the client identification is searched. And then, decrypting the client information data packet to obtain the client data. To determine if the customer is a channel customer. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Drawings

In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.

Fig. 1 is a schematic flow chart illustrating a channel risk control method according to an embodiment of the present invention;

fig. 2 is a schematic flow chart illustrating another channel risk control method according to an embodiment of the present invention;

fig. 3 is a schematic structural diagram of a channel risk control device according to an embodiment of the present invention;

fig. 4 is a schematic structural diagram of another channel risk control device according to an embodiment of the present invention.

Detailed Description

The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.

In this application, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

In the embodiment of the invention, identity authentication is firstly carried out on the visited client, after the authentication is passed and the authorization information of the client is obtained, the client identification corresponding to the client identity information is determined, and the client information data packet corresponding to the client identification is searched. And then, decrypting the client information data packet to obtain the client data. To determine if the customer is a channel customer. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Referring to fig. 1, a flow chart of a channel risk control method according to an embodiment of the present invention is shown, where the method includes:

s101: when the client identity information sent by the identity authentication device is received, the client identity information is verified, if the verification is passed, and when the authorization information input by the client through the identity authentication device is obtained, the step S102 is executed, and if the verification is not passed, prompt information is output to prompt that the identity card information of the client is inconsistent with the head portrait of the client.

In step S101, the customer identity information includes customer avatar and identity card information.

In the process of the specific implementation step S101, in a sales transaction link, identity card information of a customer is acquired through an identity authentication device, and a head portrait of the customer is acquired through a camera of the identity authentication device, so as to obtain an identity card image in the identity card information; the collected head portrait of the client and the identity card image are verified by using a face recognition technology, if the verification is passed, the authority for accessing the data of the client is obtained, namely, the authorization information input by the client through the identity authentication equipment is obtained, and step S102 is executed, if the verification is not passed, prompt information is output to prompt that the identity card information of the client is inconsistent with the head portrait of the client.

It should be noted that the identity authentication device may be a personal card all-in-one machine.

The client identity information further includes: the basic information input by the customer through the identity authentication device comprises information such as the mobile phone number and the name of the customer.

S102: and determining a client identification corresponding to the client avatar based on the client identity information.

In step S102, a database stores in advance a correspondence between a face feature value corresponding to a client avatar and a client identifier.

In the process of implementing step S102 specifically, a face feature value corresponding to a client avatar in the client identity information is extracted, and a client identifier corresponding to the face feature value is obtained.

Optionally, the process of storing the corresponding relationship between the face feature value corresponding to the head portrait of the client and the client identifier in the database in advance includes:

before receiving the customer identity information sent by the identity authentication equipment, when a customer enters a sales interior for the first time, acquiring image information acquired by monitoring equipment in the sales interior.

Wherein the image information includes a customer image and an image acquisition time.

And extracting a characteristic value corresponding to the image of the client in the image information of the same client.

By using the random number, a customer identification corresponding to the image information of the same customer is generated.

It should be noted that the client identifier is a unique number or an identifier ID that is unique and non-repetitive, and a client has only one client identifier corresponding to it.

And establishing a corresponding relation between the characteristic value corresponding to the customer image and the customer identification, and storing the corresponding relation in a database.

It should be noted that, since the client image includes the client avatar, there is a correspondence between the client avatar and the client identifier.

Note that the feature value is a binary sequence number.

S103: and searching a client information data packet corresponding to the client identifier.

In step S103, a customer information data packet is generated from the image information collected by the monitoring device.

In the process of implementing step S103 specifically, traverse all the client identifiers in the database, find the client identifier consistent with the obtained client identifier, and when finding the client identifier consistent with the obtained client identifier, take out the client information data packet corresponding to the client identifier.

Optionally, the customer information data packet is generated according to image information collected by a monitoring device in the sales arena when the sales arena is in the sales arena.

S104: and decrypting the client information data packet to obtain client data.

In the process of implementing step S104, the client information data packet is decrypted by using a decryption algorithm, so as to obtain client data having the client image, the location of the monitoring device, and the image acquisition time.

S105: and determining whether the customer is a channel customer according to the customer data, if not, executing step S106, and if so, executing step S107.

In the process of implementing step S105, the pre-stored customer behavior data is searched for from the customer image, and the customer behavior data corresponding to the customer is determined. And performing risk evaluation on the customer behavior data of the customer according to the wind control rule, such as: the basic information acquired by the identity authentication equipment can be compared with the client behavior data corresponding to the client, if the basic information is inconsistent with the client behavior data, the client is determined to be a naturally visited client, and step S106 is executed; if the basic information and the customer behavior data are consistent, the customer is determined to be a channel customer, and step S107 is executed.

It should be noted that the wind control rule is a rule preset by a technician according to the opinion of the property developer.

S106: the client is determined to be a risky client.

In the process of implementing step S106, the customer does not perform pre-purchase registration in the corresponding sales channel, and it is indicated that the customer is a risk customer.

S107: it is determined that the customer is not a risky customer.

In the process of implementing step S107 specifically, the customer performs a pre-purchase registration in the corresponding sales channel, which indicates that the customer is not a risk customer.

In the embodiment of the invention, the identity of the visiting client is verified by using a face recognition technology, after the verification is passed and the authorization information of the client is obtained, the client identification corresponding to the identity information of the client is determined, and the client information data packet corresponding to the client identification is searched. And then, the private key is used for decrypting the client information data packet to obtain client data so as to determine whether the client is a channel client or not. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Based on the channel risk control method shown in the embodiment of the present invention, in the process of performing the step S101 to verify the identity information of the client, the method includes the following steps:

s11: and extracting the characteristic value of the head portrait of the client and the characteristic value of the identity card image in the identity card information.

In the process of implementing step S11, the feature value of the avatar of the client and the feature value of the id card image in the id card information are extracted respectively.

S12: and judging whether the characteristic value of the head portrait of the client is consistent with the characteristic value of the identity card image, if so, executing the step S13, and if not, outputting prompt information to prompt that the identity card information of the client is inconsistent with the head portrait of the client.

In the specific implementation process of step S12, the similarity between the feature value of the client avatar and the feature value of the identity card image is compared, and when the similarity between the feature value of the client avatar and the feature value of the identity card image is greater than 95%, it is indicated that the feature value of the client avatar is consistent with the feature value of the identity card image, and step S102 is performed.

In the embodiment of the invention, the characteristic value of the head portrait of the client and the characteristic value of the identity card image of the identity card information are respectively extracted by utilizing a face recognition technology, and then whether the characteristic value of the head portrait of the client is consistent with the characteristic value of the identity card image is determined. After the characteristic value of the head portrait of the client is determined to be consistent with the characteristic value of the identity card image and the authorization information of the client is obtained, the client identification corresponding to the client identity information is determined, and the client information data packet corresponding to the client identification is searched. And then, the private key is used for decrypting the client information data packet to obtain client data. To determine if the customer is a channel customer. Whether the client has risks can be accurately determined, and client data can be protected.

Based on the channel risk control method shown in the above embodiment of the present invention, in the step S102, a process of generating a customer information data packet from image information acquired by a monitoring device is executed, as shown in fig. 2, the method includes:

s201: and acquiring image information acquired by monitoring equipment in the sales center.

In step S201: the image information includes a customer image of at least one customer, a location where the monitoring device is located, and an image acquisition time.

In the process of implementing step S201, before the sales transaction link, when the customer enters the sales arena for the first time, the monitoring device in the sales center arena needs to acquire the visiting image of the customer, that is, the customer image, the location of the monitoring device, and the image acquisition time.

S202: whether the client corresponding to the client image is a new client is judged according to the client image of the same client, if the client corresponding to the client image is not the new client, the steps S203, S205 and S207 are executed, and if the client corresponding to the client image is the new client, the steps S204 and S207 are executed.

In step S202, the new customer is used to instruct the customer who sells the center for the first time.

In step S202, the method for determining whether or not the client corresponding to the client image is a new client based on the client image of the same client includes:

s21: and extracting the characteristic value corresponding to the client image.

In the process of implementing step S21, feature values corresponding to the client images of the same client are obtained according to the face recognition technology.

S22: and calculating the characteristic value corresponding to the client image and the image characteristic value stored in the database to obtain the image similarity.

In the process of implementing step S12, the image similarity between the feature value corresponding to the client image and the image feature value stored in the database is calculated.

S23: determining whether the image similarity is greater than or equal to a preset threshold, if so, executing step S204 to step S207, and if so, executing step S203, step S205 to step S207.

In the process of specifically implementing step S13, comparing the image similarity with a preset threshold, if the image similarity is smaller than the preset threshold, indicating that the customer corresponding to the customer image is the customer who comes to the sales center for the first time, and executing step S204 to step S207; if the image similarity is greater than or equal to the preset threshold, it indicates that the customer corresponding to the customer image is an old customer, and step S203, step S205 to step S207 are performed.

It should be noted that the pre-threshold is defined according to a plurality of experiments, for example, the pre-threshold may be set to 95%.

S203: and acquiring a client identification corresponding to the client image.

In step S203, there is a correspondence between the customer image and the customer identification.

It should be noted that the specific implementation process of step S203 is the same as that shown in step S102 of the above embodiment, and reference may be made to each other.

S204: and generating a customer identifier corresponding to the customer image according to the customer image.

In the process of specifically implementing the step S204, extracting a characteristic value corresponding to the client image in the image information; and generates a customer identification corresponding to the customer image using the random number.

The random number is generated randomly by the channel risk control device.

S205: and encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain the encrypted client data.

In the process of implementing step S205 specifically, based on the encryption algorithm, the public key is used to encrypt the client image, the location of the monitoring device, and the image acquisition time, so as to obtain the encrypted client data.

S206: and packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet.

In the process of implementing step S206, the encrypted client data and the client identifier are combined to generate a client information data packet, and the client information data packet is stored in the database.

In the embodiment of the invention, when a customer visits the sales center, the customer image and the image acquisition time are acquired through the monitoring equipment in the sales center. It is determined whether the customer corresponding to the customer image is a new customer. And when the client is determined to be a new client, generating a client identifier corresponding to the client image according to the image information. And encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain the encrypted client data. And then packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Corresponding to the channel risk control method shown in the embodiment of the present invention, the embodiment of the present invention also discloses a schematic structural diagram of a channel risk control device, as shown in fig. 3, the device includes:

the authority authentication module 301 is configured to verify the client identity information when receiving the client identity information input by the identity authentication device, and if the client identity information passes the verification, execute the data processing module 302 when obtaining the authorization information input by the client through the identity authentication device.

It should be noted that the client identity information includes a client avatar and identity card information.

The data processing module 302 includes a decryption unit 3021 and a wind control unit 3022.

A decryption unit 3021 configured to determine a client identifier corresponding to the client avatar based on the client identity information; searching a client information data packet corresponding to the client identifier; and decrypting the client information data packet to obtain client data.

The client information data packet is generated by image information collected by the monitoring equipment.

A wind control unit 3022, configured to determine whether the customer is a channel customer according to the customer data; and if not, determining that the client is the risk client.

It should be noted that, the specific principle and the implementation process of each unit in the channel risk control device disclosed in the above embodiment of the present invention are the same as the channel risk control method described in the above embodiment of the present invention, and reference may be made to the corresponding parts in the channel risk control disclosed in the above embodiment of the present invention, which are not described herein again.

In the embodiment of the invention, the identity of the visiting client is verified by using a face recognition technology, after the verification is passed and the authorization information of the client is obtained, the client identification corresponding to the client identity information is determined, and the client information data packet corresponding to the client identification is searched. And then, the private key is used for decrypting the client information data packet to obtain client data. To determine if the customer is a channel customer. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Optionally, based on the channel risk control device shown in the embodiment of the present invention, the authority authentication module 301 for verifying the identity information of the client is specifically configured to: extracting the characteristic value of the head portrait of the client and the characteristic value of the identity card image in the identity card information; judging whether the characteristic value of the head portrait of the client is consistent with the characteristic value of the identity card image or not; if the client authentication is consistent with the client authentication, the client authentication is passed.

In the embodiment of the invention, the characteristic value of the head portrait of the client and the characteristic value of the identity card image in the identity card information are respectively extracted by using a face recognition technology, and then whether the characteristic value of the head portrait of the client is consistent with the characteristic value of the identity card image is determined. After the characteristic value of the head portrait of the client is determined to be consistent with the characteristic value of the identity card image and the authorization information of the client is obtained, the client identification corresponding to the client identity information is determined, and the client information data packet corresponding to the client identification is searched. And then, decrypting the customer information data packet by using the private key to obtain behavior data of the customer so as to determine whether the customer is a channel customer. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Optionally, the channel risk control device shown based on the embodiment of the present invention, with reference to fig. 4 in combination with fig. 3, further discloses a schematic structural diagram of another channel risk control device correspondingly in the embodiment of the present invention, further including: a data storage module 303.

A data storage module 303 comprising:

the identification unit 3031 is configured to acquire image information acquired by monitoring equipment in a sales center before the authority authentication module 301 receives client identity information sent by the identity authentication equipment; judging whether the client corresponding to the client image is a new client or not according to the client image of the same client; and if so, generating a client identifier corresponding to the client image according to the client image.

It should be noted that the image information includes the customer image and the image capturing time. The new customer is used to indicate the first time that the center is sold.

Optionally, based on the channel risk control apparatus shown in the foregoing embodiment of the present invention, the identification unit 3031 determining whether the customer corresponding to the customer image is a new customer is specifically configured to: extracting characteristic values corresponding to client images of the same client; calculating the characteristic value corresponding to the client image and the image characteristic value stored in the database to obtain the image similarity; judging whether the image similarity is greater than or equal to a preset threshold value or not; if the number of the clients is smaller than the preset number, determining the client corresponding to the client image as a new client; and if the number of the clients is larger than or equal to the preset number, determining that the client corresponding to the client image is not a new client.

And the encryption unit 3032 is configured to encrypt the client image, the location of the monitoring device, and the image acquisition time to obtain encrypted client data.

And a visiting track unit 3033, configured to package the encrypted client data and the client identifier, generate a client information data packet, and store the client information data packet.

In the embodiment of the invention, when a customer visits the sales center, the customer image and the image acquisition time are acquired through the monitoring equipment in the sales center. It is determined whether the customer corresponding to the customer image is a new customer. And when the client is determined to be a new client, generating a client identifier corresponding to the client image according to the image information. And encrypting the client image to obtain the encrypted client data. And packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

Optionally, based on the channel risk control device shown in the foregoing embodiment of the present invention, the identifying unit 3031 is further configured to: and when the client corresponding to the client image is determined to be an old client, acquiring the client identification corresponding to the client image.

It should be noted that there is a corresponding relationship between the customer image of the old customer and the customer identifier.

In the embodiment of the invention, when a customer visits the sales center, the customer image and the image acquisition time are acquired through the monitoring equipment in the sales center. It is determined whether the customer corresponding to the customer image is a new customer. And when the client is determined to be an old client, acquiring a client identification corresponding to the client image. And encrypting the client image to obtain the encrypted client data. And packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet. The condition that channel salespeople marks naturally visited customers as channel customers can be effectively avoided, and customer data can be protected.

The embodiment of the invention also discloses electronic equipment, which is used for running the program, wherein the channel risk control method disclosed in the figure 1 and the figure 2 is executed when the program is run.

The embodiment of the invention also discloses a computer storage medium which comprises a database storage process, wherein when the database storage process runs, the equipment where the storage medium is located is controlled to execute the channel risk control method disclosed in the figure 1 and the figure 2.

In the context of this disclosure, a computer storage medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, 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 disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the system or system embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related points. The above-described system and system embodiments are only illustrative, wherein the units described as separate parts may or may not be physically separate, and the parts displayed as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the modules may be selected according to actual needs to achieve the purpose of the solution of the present embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

Those of skill would further appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both, and that the various illustrative components and steps have been described above generally in terms of their functionality in order to clearly illustrate this interchangeability of hardware and software. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present invention.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present invention. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the invention. Thus, the present invention is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims (10)

1. A channel risk control method, the method comprising:

when client identity information sent by identity authentication equipment is received, verifying the client identity information, wherein the client identity information comprises a client head portrait and identity card information;

if the verification is passed, and when the authorization information input by the client through the identity authentication equipment is obtained, determining a client identifier corresponding to the client avatar based on the client identity information;

searching a client information data packet corresponding to the client identifier, wherein the client information data packet is generated by image information acquired by monitoring equipment;

decrypting the client information data packet to obtain client data;

determining whether the customer is a channel customer according to the customer data;

if not, determining that the client is a risk client.

2. The method of claim 1, wherein the process of generating the customer information data packet from the image information collected by the monitoring device comprises:

acquiring image information acquired by monitoring equipment in a sales center, wherein the image information comprises a client image of at least one client, the position of the monitoring equipment and image acquisition time;

judging whether a customer corresponding to the customer image is a new customer according to the customer image of the same customer, wherein the new customer is used for indicating the customer coming to a sales center for the first time;

if yes, generating a customer identifier corresponding to the customer image according to the customer image;

encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain encrypted client data;

and packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet.

3. The method of claim 2, wherein said determining whether the customer corresponding to the customer image is a new customer based on the customer image of the same customer comprises:

extracting characteristic values corresponding to the customer images of the same customer;

calculating the characteristic value corresponding to the client image and the image characteristic value stored in a database to obtain the image similarity;

judging whether the image similarity is greater than or equal to a preset threshold value or not;

if the number of the clients is smaller than the preset number, determining the client corresponding to the client image as a new client;

and if the number of the clients is larger than or equal to the preset number, determining that the client corresponding to the client image is not a new client.

4. The method of claim 2, further comprising:

when determining that the client corresponding to the client image is an old client, acquiring a client identifier corresponding to the client image, wherein a corresponding relation exists between the client image of the old client and the client identifier;

encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain encrypted client data;

and packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet.

5. The method of claim 1, wherein the verifying the client identity information comprises:

extracting the characteristic value of the head portrait of the client and the characteristic value of the identity card image in the identity card information;

judging whether the characteristic value of the head portrait of the client is consistent with the characteristic value of the identity card image or not;

and if the client authentication is consistent with the client authentication, the client authentication is passed.

6. An apparatus for canal risk control, the apparatus comprising:

the authority authentication module is used for verifying the client identity information when receiving the client identity information input by the identity authentication equipment, wherein the client identity information comprises a client head portrait and identity card information;

the data processing module is used for determining a client identifier corresponding to the client avatar based on the client identity information when the client passes the verification and the authorization information input by the client through the identity authentication equipment is acquired; searching a client information data packet corresponding to the client identifier, wherein the client information data packet is generated by image information acquired by monitoring equipment; decrypting the client information data packet to obtain client data; determining whether the customer is a channel customer according to the customer data; if not, determining that the client is a risk client.

7. The apparatus of claim 6, further comprising: a data storage unit;

the data storage module comprises:

the system comprises an identification unit, a monitoring unit and a display unit, wherein the identification unit is used for acquiring image information acquired by monitoring equipment in a sales center, and the image information comprises a client image of at least one client, the position of the monitoring equipment and image acquisition time; judging whether a customer corresponding to the customer image is a new customer according to the customer image of the same customer, wherein the new customer is used for indicating the customer coming to a sales center for the first time; if yes, generating a customer identifier corresponding to the customer image according to the customer image;

the encryption unit is used for encrypting the client image, the position of the monitoring equipment and the image acquisition time to obtain encrypted client data; and packaging the encrypted client data and the client identification to generate a client information data packet, and storing the client information data packet.

8. The apparatus according to claim 7, wherein the identifying unit that determines whether the customer corresponding to the customer image is a new customer based on the customer image of the same customer is specifically configured to: extracting characteristic values corresponding to the customer images of the same customer; calculating the characteristic value corresponding to the client image and the image characteristic value stored in a database to obtain the image similarity; judging whether the image similarity is greater than or equal to a preset threshold value or not; if the number of the clients is smaller than the preset number, determining the client corresponding to the client image as a new client; and if the number of the clients is larger than or equal to the preset number, determining that the client corresponding to the client image is not a new client.

9. An electronic device, characterized in that the electronic device is configured to run a program, wherein the program is configured to execute the channel risk control method according to any one of claims 1-5 when running.

10. A computer storage medium, characterized in that the storage medium comprises a stored program, wherein the apparatus on which the storage medium is located is controlled to execute the channel risk control method according to any one of claims 1-5 when the program runs.

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