技术领域Technical field
本发明属于软件应用技术领域，具体涉及一种应用于银行开户尽调线下核实方法。The invention belongs to the field of software application technology, and specifically relates to an offline verification method for bank account opening due diligence.
背景技术Background technique
企业开户尽职调查是银行等金融机构在为企业开设账户时，对企业进行的一系列调查和审核程序，以了解企业的基本情况、经营状况、管理水平和资信状况等信息，以确保企业符合开户要求。其中一个重要环节是银行需确认企业注册地址是否为真实办公地址。银行工作人员会到公司执照上的地址实际去核验，核查企业是否有实际办公地址，并且查看场地是否符合办公场景。一般情况下，银行工作人员或委托的第三方公司工作人员需拍摄现场照片，作为开户证明材料。目前主要是通过专用设备或者手机直接拍摄，拍摄后直接打印或上传系统留存。Corporate account opening due diligence is a series of investigations and review procedures conducted by banks and other financial institutions when opening an account for a company to understand the company's basic situation, operating conditions, management level, credit status and other information to ensure that the company meets the requirements for opening an account. Require. One of the important steps is that the bank needs to confirm whether the company's registered address is a real office address. Bank staff will go to the address on the company's license to actually verify whether the company has an actual office address and whether the location meets the office scenario. Under normal circumstances, bank staff or entrusted third-party company staff need to take on-site photos as proof of account opening. At present, it is mainly shot directly through special equipment or mobile phones. After shooting, it is directly printed or uploaded to the system for storage.
现有技术虽然针对线下采集工作有一定的技术应用，但缺乏能够满足银行核实要求的方法。比如互联网应用虽然拥有了部分地图定位、时点记录等跟踪功能，但只是针对采集过程验证，保证采集人执行正确性，不能核实采集结果的真实性，而银行需要核实采集结果的真实性。Although the existing technology has certain technical applications for offline collection work, it lacks methods that can meet the bank's verification requirements. For example, although Internet applications have some tracking functions such as map positioning and time-point recording, they only verify the collection process to ensure the correctness of the collector's execution, and cannot verify the authenticity of the collection results. Banks need to verify the authenticity of the collection results.
发明内容Contents of the invention
针对现有技术中的缺陷，本发明提供一种应用于银行开户尽调线下核实方法，能够核实采集结果的真实性，加强了银行风险防控。In view of the defects in the existing technology, the present invention provides an offline verification method for bank account opening due diligence, which can verify the authenticity of the collection results and strengthen bank risk prevention and control.
一种应用于银行开户尽调线下核实方法，包括：An offline verification method for bank account opening due diligence, including:
根据基础信息生成核实任务，并与执行人关联；Generate verification tasks based on basic information and associate them with the executor;
在执行核实任务时，对执行的轨迹进行跟踪，采集企业经营地点照片，以得到核实信息；When performing verification tasks, track the execution trajectory and collect photos of the company's business locations to obtain verification information;
在执行完核实任务后，对核实信息进行执行人验证、执行位置验证和执行时间验证；After the verification task is completed, the verification information is verified by the executor, the execution location, and the execution time;
当验证不通过时，进行预警。When the verification fails, an early warning is issued.
进一步地，根据基础信息生成核实任务，并与执行人关联具体包括：Further, the verification task is generated based on the basic information and associated with the executor, including:
获取基础信息；基础信息包括核实地点和企业信息；Obtain basic information; basic information includes verification of location and company information;
根据基础信息生成核实任务；Generate verification tasks based on basic information;
核实任务被执行人接收后，将核实任务、执行人、执行设备进行关联；执行设备被执行人持有。After the verification task is received by the executor, the verification task, executor, and execution equipment are associated; the execution device is held by the executor.
进一步地，对执行的轨迹进行跟踪具体包括：Further, tracking the execution trajectory specifically includes:
当开始执行核实任务时，采集执行设备的经纬度坐标；When starting to execute the verification task, collect the latitude and longitude coordinates of the execution device;
当经纬度坐标与核实地点的偏差小于预设值时，核实任务打卡成功；When the deviation between the longitude and latitude coordinates and the verification location is less than the preset value, the verification task is clocked in successfully;
当核实任务打卡成功后，定时记录执行设备的经纬度坐标，以得到轨迹。After verifying that the task clock-in is successful, the longitude and latitude coordinates of the execution device are recorded regularly to obtain the trajectory.
进一步地，采集企业经营地点照片具体包括：Furthermore, collecting photos of business locations includes:
采集照片，并记录采集位置和采集时间；Collect photos and record the collection location and collection time;
当照片中包含采集人和企业法人、且采集人为执行人时，根据采集人、采集设备、采集位置和采集时间生成数字水印；When the photo contains a collector and a corporate legal person, and the collector is the executor, a digital watermark is generated based on the collector, collection equipment, collection location and collection time;
在照片上增加数字水印，以得到企业经营地点照片。Add a digital watermark to your photos to get a photo of your business location.
进一步地，对核实信息进行执行人验证具体包括：Further, the executor verification of the verification information specifically includes:
解析企业经营地点照片的采集数据；采集数据包括采集人的用户账号、手机号，采集设备的序列号；Analyze the collection data of photos of company business locations; the collection data includes the user account and mobile phone number of the collector, and the serial number of the collection device;
通过用户账号和手机号判断采集人和执行人是否一致，通过采集设备的序列号判断采集设备和执行设备是否一致；Determine whether the collector and the executor are consistent through the user account and mobile phone number, and determine whether the collection device and the execution device are consistent through the serial number of the collection device;
当采集人和执行人不一致、或采集设备和执行设备不一致时，确定风险分值。When the collector and executor are inconsistent, or the collection equipment and execution equipment are inconsistent, the risk score is determined.
进一步地，对核实信息进行执行位置验证具体包括：Further, the execution location verification of the verification information specifically includes:
解析企业经营地点照片的采集位置；Analyze the collection location of photos of corporate business locations;
计算各个企业经营地点照片之间的距离，以得到相邻距离；Calculate the distance between photos of each business location to get the adjacent distance;
计算采集位置与预设位置的偏差，以得到采集偏差距离；Calculate the deviation between the collection position and the preset position to obtain the collection deviation distance;
根据相邻距离和采集偏差距离确定风险分值。The risk score is determined based on the adjacent distance and the collection deviation distance.
进一步地，对核实信息进行执行时间验证具体包括：Further, the execution time verification of the verification information specifically includes:
解析企业经营地点照片的采集时间；Analyze the collection time of photos of corporate business locations;
计算各个企业经营地点照片之间的时间差，以得到相邻时间间隔；Calculate the time difference between photos of each business location to obtain adjacent time intervals;
判断企业经营地点照片的采集时间是否为正常工作时间，以得到时间判断结果；Determine whether the collection time of photos of the company's business location is during normal working hours to obtain time judgment results;
根据相邻时间间隔和时间判断结果确定风险分值。The risk score is determined based on adjacent time intervals and time judgment results.
进一步地，在执行完核实任务之后，还包括：Further, after completing the verification task, it also includes:
计算场景相同的企业经营地点照片之间的距离，以得到相同场景距离；Calculate the distance between photos of business locations with the same scene to obtain the same scene distance;
根据相同场景距离确定风险分值；Determine the risk score based on the same scene distance;
当检测到企业经营地点照片疑似造假时，确定风险分值。When it is detected that a photo of a company's business location is suspected of being fake, the risk score is determined.
进一步地，还包括：Furthermore, it also includes:
采集企业的营业执照照片；Collect photos of business licenses of enterprises;
将营业执照照片上的信息与企业信息进行比对；Compare the information on the business license photo with the company information;
将核实信息与企业的历史数据进行比对；Compare verification information with the company’s historical data;
根据比对结果确定风险分值；Determine the risk score based on the comparison results;
获取企业所属行业的统计数据，根据统计数据分析核实信息的合理性；Obtain statistical data of the enterprise's industry and verify the rationality of the information based on statistical data analysis;
根据合理性确定风险分值。Determine the risk score based on reasonableness.
进一步地，当验证不通过时，进行预警具体包括：Furthermore, when the verification fails, early warning specifically includes:
设置多个风险等级以及对应的处置策略；Set multiple risk levels and corresponding disposal strategies;
对企业中核实信息存在的所有风险分值进行累加，根据累加结果确定企业的风险等级；Accumulate all risk scores for the existence of verified information in the enterprise, and determine the risk level of the enterprise based on the cumulative results;
根据风险等级输出对应的处置策略，并进行预警。Output the corresponding disposal strategy according to the risk level and provide early warning.
由上述技术方案可知，本发明提供的应用于银行开户尽调线下核实方法，通过互联网应用轨迹跟踪技术确保核实采集过程的真实性，并验证采集数据的合理性，及时发现照片存在的问题，推测用户开户存在的风险。该方法可以辅助银行监控企业经营地址核实过程的真实性、有效性、完整性，提升服务效率，可以辅助银行及时发现企业账户可能存在的风险问题，做好风险防控，化解金融风险。It can be seen from the above technical solution that the offline verification method for bank account opening due diligence provided by the present invention uses the Internet application trajectory tracking technology to ensure the authenticity of the collection process, verify the rationality of the collected data, and promptly discover problems in the photos. Speculate the risks involved in opening a user account. This method can assist banks in monitoring the authenticity, validity, and completeness of the enterprise's business address verification process, improve service efficiency, and can assist banks in promptly discovering possible risk issues in corporate accounts, prevent and control risks, and resolve financial risks.
附图说明Description of drawings
为了更清楚地说明本发明具体实施方式或现有技术中的技术方案，下面将对具体实施方式或现有技术描述中所需要使用的附图作简单地介绍。在所有附图中，类似的元件或部分一般由类似的附图标记标识。附图中，各元件或部分并不一定按照实际的比例绘制。In order to more clearly explain the specific embodiments of the present invention or the technical solutions in the prior art, the drawings that need to be used in the description of the specific implementations or the prior art will be briefly introduced below. Throughout the drawings, similar elements or portions are generally identified by similar reference numerals. In the drawings, elements or parts are not necessarily drawn to actual scale.
图1为实施例提供的方法流程图。Figure 1 is a method flow chart provided by the embodiment.
图2为实施例提供的一种实施方式的原理图。Figure 2 is a schematic diagram of an implementation provided by the embodiment.
图3为核实信息的验证方法流程图。Figure 3 is a flow chart of the verification method for verifying information.
具体实施方式Detailed ways
下面将结合附图对本发明技术方案的实施例进行详细的描述。以下实施例仅用于更加清楚地说明本发明的技术方案，因此只作为示例，而不能以此来限制本发明的保护范围。需要注意的是，除非另有说明，本申请使用的技术术语或者科学术语应当为本发明所属领域技术人员所理解的通常意义。The embodiments of the technical solution of the present invention will be described in detail below with reference to the accompanying drawings. The following examples are only used to illustrate the technical solution of the present invention more clearly, and are therefore only used as examples and cannot be used to limit the scope of the present invention. It should be noted that, unless otherwise stated, the technical terms or scientific terms used in this application should have the usual meanings understood by those skilled in the art to which this invention belongs.
应当理解，当在本说明书和所附权利要求书中使用时，术语“包括”和“包含”指示所描述特征、整体、步骤、操作、元素和/或组件的存在，但并不排除一个或多个其它特征、整体、步骤、操作、元素、组件和/或其集合的存在或添加。It should be understood that, when used in this specification and the appended claims, the terms "comprises" and "comprises" indicate the presence of described features, integers, steps, operations, elements and/or components but do not exclude the presence of one or The presence or addition of multiple other features, integers, steps, operations, elements, components and/or collections thereof.
还应当理解，在此本发明说明书中所使用的术语仅仅是出于描述特定实施例的目的而并不意在限制本发明。如在本发明说明书和所附权利要求书中所使用的那样，除非上下文清楚地指明其它情况，否则单数形式的“一”、“一个”及“该”意在包括复数形式。It should also be understood that the terminology used in the description of the invention is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. As used in this specification and the appended claims, the singular forms "a", "an" and "the" are intended to include the plural forms unless the context clearly dictates otherwise.
如在本说明书和所附权利要求书中所使用的那样，术语“如果”可以依据上下文被解释为“当...时”或“一旦”或“响应于确定”或“响应于检测到”。类似地，短语“如果确定”或“如果检测到[所描述条件或事件]”可以依据上下文被解释为意指“一旦确定”或“响应于确定”或“一旦检测到[所描述条件或事件]”或“响应于检测到[所描述条件或事件]”。As used in this specification and the appended claims, the term "if" may be interpreted as "when" or "once" or "in response to determining" or "in response to detecting" depending on the context. . Similarly, the phrase "if determined" or "if [the described condition or event] is detected" may be interpreted, depending on the context, to mean "once determined" or "in response to a determination" or "once the [described condition or event] is detected ]" or "in response to detection of [the described condition or event]".
实施例：Example:
一种应用于银行开户尽调线下核实方法，包括：An offline verification method for bank account opening due diligence, including:
根据基础信息生成核实任务，并与执行人关联；Generate verification tasks based on basic information and associate them with the executor;
在执行核实任务时，对执行的轨迹进行跟踪，采集企业经营地点照片，以得到核实信息；When performing verification tasks, track the execution trajectory and collect photos of the company's business locations to obtain verification information;
在执行完核实任务后，对核实信息进行执行人验证、执行位置验证和执行时间验证；After the verification task is completed, the verification information is verified by the executor, the execution location, and the execution time;
当验证不通过时，进行预警。When the verification fails, an early warning is issued.
在本实施例中，该方法包括3个主要步骤：过程验证、结果验证、综合预警。这3个主要步骤保证了核实地点、核实时间、执行人、核实企业的真实性和合理性。过程验证为核实执行人、执行设备、轨迹是否合理。过程验证对各个核实节点进行约束控制，通过定位、时间、照片、操作动作等信息验证核实任务真实执行。结果验证主要分为照片分析、识别数据分析和合理性分析。其中照片分析为主要是对照片中的元数据进行分析，保证人员、时间、地点正确性。结果验证还包括根据大数据对过往数据进行分类分析，比对采集过程记录的拍摄地点、时间，如发现异常情况进行轨迹、路径分析，当无法判定合理时，记录风险点。最后，上传核实数据，如发现异常进行预警。In this embodiment, the method includes three main steps: process verification, result verification, and comprehensive early warning. These three main steps ensure the authenticity and rationality of the verification location, verification time, executor, and verification company. Process verification is to verify whether the executor, execution equipment, and trajectory are reasonable. Process verification implements constraint control on each verification node, and verifies the actual execution of the task through information such as positioning, time, photos, and operation actions. Result verification is mainly divided into photo analysis, identification data analysis and rationality analysis. Among them, photo analysis mainly analyzes the metadata in the photos to ensure the accuracy of the person, time, and location. Result verification also includes classifying and analyzing past data based on big data, comparing the shooting location and time recorded during the collection process, analyzing trajectories and paths if abnormal conditions are found, and recording risk points when it cannot be determined to be reasonable. Finally, upload the verification data and issue an early warning if anomalies are found.
该应用于银行开户尽调线下核实方法，通过互联网应用轨迹跟踪技术确保核实采集过程的真实性，并验证采集数据的合理性，及时发现照片存在的问题，推测用户开户存在的风险。该方法可以辅助银行监控企业经营地址核实过程的真实性、有效性、完整性，提升服务效率，可以辅助银行及时发现企业账户可能存在的风险问题，做好风险防控，化解金融风险。This offline verification method is used for bank account opening due diligence. It uses Internet application track tracking technology to ensure the authenticity of the collection process and verify the rationality of the collected data. It can promptly discover problems in photos and speculate on the risks of user opening accounts. This method can assist banks in monitoring the authenticity, validity, and completeness of the enterprise's business address verification process, improve service efficiency, and can assist banks in promptly discovering possible risk issues in corporate accounts, prevent and control risks, and resolve financial risks.
进一步地，在一些实施例中，根据基础信息生成核实任务，并与执行人关联具体包括：Further, in some embodiments, generating a verification task based on basic information and associating it with the executor specifically includes:
获取基础信息；基础信息包括核实地点和企业信息；Obtain basic information; basic information includes verification of location and company information;
根据基础信息生成核实任务；Generate verification tasks based on basic information;
核实任务被执行人接收后，将核实任务、执行人、执行设备进行关联；执行设备被执行人持有。After the verification task is received by the executor, the verification task, executor, and execution equipment are associated; the execution device is held by the executor.
在本实施例中，核实地点可以是企业经营地点。该方法可以由用户录入基础信息或读取外部系统的基础信息，基础信息包括核实地点和企业信息。该方法还可以调用地图工具获取核实地点的定位，并结合定位生成核实任务。该方法在生成核实任务后，可以将核实任务分配给特定的执行人或由执行人自行抢单，核实任务被执行人接收后，将核实任务、执行人、执行设备进行关联，保证了核实任务只能由专人操作。In this embodiment, the verification location may be the business location of the enterprise. This method allows the user to enter basic information or read basic information from an external system. The basic information includes verification location and company information. This method can also call a map tool to obtain the location of the verification location, and combine the location to generate a verification task. After the verification task is generated in this method, the verification task can be assigned to a specific executor or the executor can grab the order by himself. After the verification task is received by the executor, the verification task, executor, and execution equipment will be associated to ensure that the verification task It can only be operated by specialized personnel.
进一步地，在一些实施例中，对执行的轨迹进行跟踪具体包括：Further, in some embodiments, tracking the execution trajectory specifically includes:
当开始执行核实任务时，采集执行设备的经纬度坐标；When starting to execute the verification task, collect the latitude and longitude coordinates of the execution device;
当经纬度坐标与核实地点的偏差小于预设值时，核实任务打卡成功；When the deviation between the longitude and latitude coordinates and the verification location is less than the preset value, the verification task is clocked in successfully;
当核实任务打卡成功后，定时记录执行设备的经纬度坐标，以得到轨迹。After verifying that the task clock-in is successful, the longitude and latitude coordinates of the execution device are recorded regularly to obtain the trajectory.
在本实施例中，当执行人首次到达核实任务的核实地点后，开始打卡。首先，采集打卡地点的经纬度坐标，与核实任务中的核实地点进行比较，并约束打卡地点与核实地点的直线距离，使得打卡地点与核实地点不能偏离过大。当经纬度坐标与核实地点的偏差小于预设值时，核实任务打卡成功，预设值可以由用户自行设置。核实任务打卡成功后，核实任务开始进行轨迹跟踪，定时记录执行设备的经纬度坐标，以得到轨迹。这样后期就可以分析轨迹的路线和用时是否发生偏离。In this embodiment, when the executor arrives at the verification location of the verification task for the first time, he starts clocking in. First, collect the latitude and longitude coordinates of the check-in location, compare them with the verification location in the verification task, and constrain the straight-line distance between the check-in location and the verification location so that the check-in location and the verification location cannot deviate too much. When the deviation between the longitude and latitude coordinates and the verification location is less than the preset value, the verification task is clocked in successfully. The preset value can be set by the user. After the verification task clocks in successfully, the verification task starts tracking the trajectory, and regularly records the longitude and latitude coordinates of the execution device to obtain the trajectory. In this way, you can analyze whether the trajectory route and time have deviated later.
进一步地，在一些实施例中，采集企业经营地点照片具体包括：Further, in some embodiments, collecting photos of business locations specifically includes:
采集照片，并记录采集位置和采集时间；Collect photos and record the collection location and collection time;
当照片中包含采集人和企业法人、且采集人为执行人时，根据采集人、采集设备、采集位置和采集时间生成数字水印；When the photo contains a collector and a corporate legal person, and the collector is the executor, a digital watermark is generated based on the collector, collection equipment, collection location and collection time;
在照片上增加数字水印，以得到企业经营地点照片。Add a digital watermark to your photos to get a photo of your business location.
在本实施例中，该方法在打卡时，可以在打卡地点采集周边环境照片，例如采集包含街道路牌、大楼外观、厂房大门等有特定标记信息(门牌、路牌、大门OGO等)的照片，以验证核实地点的真实性。In this embodiment, when checking in, this method can collect photos of the surrounding environment at the check-in location. For example, photos containing street signs, building exteriors, factory doors, etc. with specific marking information (house numbers, street signs, gate OGO, etc.) can be collected to Verification verifies the authenticity of the location.
在本实施例中，该方法在执行核实任务时，需要采集多个企业经营地点照片。该方法在采集照片时停止轨迹跟踪。在采集照片的同时，记录采集位置和采集时间。该方法识别照片中的人脸，当识别到的人脸为执行人、且照片中包含企业法人时，该照片满足企业经营地点照片的采集要求，此时根据采集人、采集设备、采集位置和采集时间生成数字水印，这样能够确保照片不可篡改、替换。In this embodiment, when performing the verification task, the method needs to collect photos of multiple business locations. This method stops trajectory tracking while collecting photos. While collecting photos, record the collection location and collection time. This method identifies the face in the photo. When the recognized face is the executor and the photo contains a corporate legal person, the photo meets the requirements for collecting photos of the company's business location. At this time, according to the collector, collection equipment, collection location and A digital watermark is generated at the time of collection, which ensures that the photo cannot be tampered with or replaced.
进一步地，在一些实施例中，对核实信息进行执行人验证具体包括：Furthermore, in some embodiments, verifying the executor of the verification information specifically includes:
解析企业经营地点照片的采集数据；采集数据包括采集人的用户账号、手机号，采集设备的序列号；Analyze the collection data of photos of corporate business locations; the collection data includes the user account and mobile phone number of the collector, and the serial number of the collection device;
通过用户账号和手机号判断采集人和执行人是否一致，通过采集设备的序列号判断采集设备和执行设备是否一致；Determine whether the collector and the executor are consistent through the user account and mobile phone number, and determine whether the collection device and the execution device are consistent through the serial number of the collection device;
当采集人和执行人不一致、或采集设备和执行设备不一致时，确定风险分值。When the collector and executor are inconsistent, or the collection equipment and execution equipment are inconsistent, the risk score is determined.
在本实施例中，该方法对核实信息进行执行人验证，实质上是验证照片的采集人的合理性。首先解析企业经营地点照片的用户账号、手机号，采集设备的序列号(IMEI码)。通过用户账号和手机号判断采集人和执行人是否一致，通过采集设备的序列号判断采集设备和执行设备是否一致。如果采集人和执行人一致，说明采集人和执行人是同一人，保证了核实任务是执行人本人执行的。如果采集设备和执行设备是一致的，保证了核实任务是执行人持有的执行设备执行的。采集人和执行人不一致、或采集设备和执行设备不一致，则认为存在风险，确定风险分值。In this embodiment, the method performs executor verification on the verification information, which essentially verifies the rationality of the person who collected the photos. First, analyze the user account and mobile phone number of the photo of the company's business location, and collect the serial number (IMEI code) of the device. Use the user account and mobile phone number to determine whether the collector and the executor are consistent, and use the serial number of the collection device to determine whether the collection device and the execution device are consistent. If the collector and the executor are the same, it means that the collector and the executor are the same person, ensuring that the verification task is performed by the executor himself. If the collection device and the execution device are consistent, it is guaranteed that the verification task is performed by the execution device held by the executor. If the collector and the executor are inconsistent, or the collection equipment and the execution equipment are inconsistent, it is considered that there is a risk and the risk score is determined.
进一步地，在一些实施例中，对核实信息进行执行位置验证具体包括：Further, in some embodiments, performing location verification on the verification information specifically includes:
解析企业经营地点照片的采集位置；Analyze the collection location of photos of corporate business locations;
计算各个企业经营地点照片之间的距离，以得到相邻距离；Calculate the distance between photos of each business location to get the adjacent distance;
计算采集位置与预设位置的偏差，以得到采集偏差距离；Calculate the deviation between the collection position and the preset position to obtain the collection deviation distance;
根据相邻距离和采集偏差距离确定风险分值。The risk score is determined based on the adjacent distance and the collection deviation distance.
在本实施例中，该方法在对核实信息进行执行位置验证，实质上是验证照片的采集地点的合理性。自动比较各个企业经营地点照片之间的经纬度坐标，得到各个企业经营地点照片之间的距离，还计算采集位置与预设位置的偏差，根据相邻距离和采集偏差距离确定风险分值，例如偏差超过100米记录为中风险，300米记录高风险。当执行人处在偏远地区时，由于偏远地区信号不好，采集的经纬度坐标偏差较大，所以该方法还可以对采集的经纬度坐标偏差进行纠正，例如可以从后台重新获取经纬度坐标。In this embodiment, the method performs location verification on the verification information, which essentially verifies the rationality of the location where the photos were collected. Automatically compare the latitude and longitude coordinates between photos of business locations of various companies to obtain the distance between photos of business locations of each business. It also calculates the deviation between the collection location and the preset location, and determines the risk score based on the adjacent distance and the collection deviation distance, such as deviation Over 100 meters is recorded as medium risk, and 300 meters is recorded as high risk. When the executor is in a remote area, due to poor signals in remote areas, the collected longitude and latitude coordinates have a large deviation. Therefore, this method can also correct the deviation of the collected longitude and latitude coordinates. For example, the longitude and latitude coordinates can be reacquired from the background.
进一步地，在一些实施例中，对核实信息进行执行时间验证具体包括：Further, in some embodiments, performing execution time verification on the verification information specifically includes:
解析企业经营地点照片的采集时间；Analyze the collection time of photos of corporate business locations;
计算各个企业经营地点照片之间的时间差，以得到相邻时间间隔；Calculate the time difference between photos of each business location to obtain adjacent time intervals;
判断企业经营地点照片的采集时间是否为正常工作时间，以得到时间判断结果；Determine whether the collection time of photos of the company's business location is during normal working hours to obtain time judgment results;
根据相邻时间间隔和时间判断结果确定风险分值。The risk score is determined based on adjacent time intervals and time judgment results.
在本实施例中，该方法在对核实信息进行执行时间验证，实质上是验证照片的采集时间的合理性。首先计算各个企业经营地点照片之间的时间差，根据该时间差确定风险分值。例如如果核实地点是写字楼，那么各区域(如街道、楼宇、大门、办公室等)拍摄的时间间隔不能超过10分钟，各证照照片(如营业执照、身份证、公司章程等)拍摄的时间间隔不能超过10分钟等，例如可以定义相邻时间间隔超过5分钟记录为低风险，超出10分钟记录为中风险、超过20分钟记录为高风险。该方法还判断企业经营地点照片的采集时间是否为正常工作时间，如果不是正常工作时间，记录风险分值。In this embodiment, the method performs execution time verification on the verification information, which essentially verifies the rationality of the collection time of the photos. First, calculate the time difference between photos of each business location, and determine the risk score based on this time difference. For example, if the verification location is an office building, then the time interval between taking photos of each area (such as streets, buildings, gates, offices, etc.) cannot exceed 10 minutes, and the time interval between taking photos of each certificate (such as business license, ID card, company articles of association, etc.) cannot exceed 10 minutes. More than 10 minutes, etc. For example, you can define that the adjacent time interval exceeds 5 minutes and is recorded as low risk, exceeds 10 minutes as medium risk, and exceeds 20 minutes as high risk. This method also determines whether the collection time of photos of the company's business location is during normal working hours. If it is not normal working hours, the risk score is recorded.
在本实施例中，该方法对核实信息中轨迹进行验证时，可以获取打卡地点与门牌号、大门、办公地等之间的距离以及时间间隔，如果用时超过5分钟或距离超过200米，则调取地图工具计算两点间距离以及用时，该方法将地图工具的计算结果与照片的计算结果进行比较，分析轨迹和用时是否合理。In this embodiment, when the method verifies the trajectory in the verification information, the distance and time interval between the check-in location and the house number, gate, office, etc. can be obtained. If it takes more than 5 minutes or the distance exceeds 200 meters, then Call the map tool to calculate the distance and time between two points. This method compares the calculation results of the map tool with the calculation results of the photo to analyze whether the trajectory and time are reasonable.
进一步地，在一些实施例中，在执行完核实任务之后，还包括：Further, in some embodiments, after completing the verification task, it also includes:
计算场景相同的企业经营地点照片之间的距离，以得到相同场景距离；Calculate the distance between photos of business locations with the same scene to obtain the same scene distance;
根据相同场景距离确定风险分值；Determine the risk score based on the same scene distance;
当检测到企业经营地点照片疑似造假时，确定风险分值。When it is detected that a photo of a company's business location is suspected of being fake, the risk score is determined.
在本实施例中，该方法还可以进行照片偏差分析。在同一批次的企业经营地点照片中，如果任意两张企业经营地点照片的采集地点距离差≥X米，确定风险分值。如果企业存在多个办公地点，也可以计算距离最远的两张企业经营地点照片的距离，确定风险分值。如果相同场景照片的距离超过50米记低风险，超过100米记中风险，超过200米记高风险。如果检测到企业经营地点照片疑似造假时，确定风险分值。In this embodiment, the method can also perform photo deviation analysis. In the same batch of business location photos, if the distance between the collection locations of any two business location photos is ≥X meters, the risk score is determined. If the company has multiple office locations, you can also calculate the distance between the two farthest photos of the company's business locations to determine the risk score. If the distance between photos of the same scene is more than 50 meters, it will be considered a low risk, if it is more than 100 meters, it will be a medium risk, and if it is more than 200 meters, it will be a high risk. If it is detected that the photos of the business location are suspected to be fake, determine the risk score.
在本实施例中，该方法还可以对大数据进行分析，统计不同类型企业各区域的到达用时，用来分析照片采集地点耗时的合理性。比如，对于大型厂矿、物流仓库，郊区、农村等核实地点，打卡地点和实际办公场所地点的距离比较大，例如大于500米，用时20分钟内。而对于城市写字楼而言，打卡地点和实际办公场所地点的距离较小，甚至没有距离差，例如距离偏差在50米内，用时在10分钟以内。In this embodiment, this method can also analyze big data, count the arrival times of various areas of different types of enterprises, and use it to analyze the rationality of the time-consuming at the photo collection location. For example, for verification locations such as large factories, mines, logistics warehouses, suburbs, and rural areas, the distance between the check-in location and the actual office location is relatively large, for example, more than 500 meters, and the verification time is within 20 minutes. For urban office buildings, the distance between the check-in location and the actual office location is small, or even there is no distance difference. For example, the distance deviation is within 50 meters and the time taken is within 10 minutes.
进一步地，在一些实施例中，还包括：Further, in some embodiments, it also includes:
采集企业的营业执照照片；Collect photos of business licenses of enterprises;
将营业执照照片上的信息与企业信息进行比对；Compare the information on the business license photo with the company information;
将核实信息与企业的历史数据进行比对；Compare verification information with the company’s historical data;
根据比对结果确定风险分值；Determine the risk score based on the comparison results;
获取企业所属行业的统计数据，根据统计数据分析核实信息的合理性；Obtain statistical data of the enterprise's industry and verify the rationality of the information based on statistical data analysis;
根据合理性确定风险分值。Determine the risk score based on reasonableness.
在本实施例中，该方法可以利用OCR、图片内容比对等技术，对采集的照片行识别比对，并与工商信息进行核对，检查是否出现偏差。例如该方法利用OCR技术抓取营业执照照片的信息(包括企业名称、法人名称、地点、联系电话等等)，将信息与企业信息进行比对，判断信息是否出现偏差，如果有偏差确定风险分值。该方法还可以计算历史被核查过或者二次上门核查的数据与企业的历史数据的相似度，如果相似度过低或相似度＝100％时，确定风险分值。如果相同场景相似度低于30％或等于100％记高风险。低于40％记中风险，低于60％记低风险。In this embodiment, the method can use OCR, image content comparison and other technologies to identify and compare the collected photos, and check with the industrial and commercial information to check whether there is any deviation. For example, this method uses OCR technology to capture the information of the business license photo (including company name, legal person name, location, contact number, etc.), compares the information with the company information, determines whether there is a deviation in the information, and determines the risk analysis if there is a deviation. value. This method can also calculate the similarity between the data that has been verified in the past or the second door-to-door verification and the historical data of the enterprise. If the similarity is too low or the similarity = 100%, the risk score is determined. If the similarity of the same scene is less than 30% or equal to 100%, it is considered a high risk. Below 40% is marked as medium risk, and below 60% is marked as low risk.
在本实施例中，该方法可以根据企业所属行业、规模进行企业信息的分类，统计不同分类经营场所的统计数据，验证核实信息的合理性，偏差过大的进行风险记录。In this embodiment, this method can classify enterprise information according to the industry and scale of the enterprise, collect statistics on business locations of different categories, verify the rationality of the information, and record risks if the deviation is too large.
进一步地，在一些实施例中，当验证不通过时，进行预警具体包括：Further, in some embodiments, when the verification fails, issuing an early warning specifically includes:
设置多个风险等级以及对应的处置策略；Set multiple risk levels and corresponding disposal strategies;
对企业中核实信息存在的所有风险分值进行累加，根据累加结果确定企业的风险等级；Accumulate all risk scores for the existence of verified information in the enterprise, and determine the risk level of the enterprise based on the cumulative results;
根据风险等级输出对应的处置策略，并进行预警。Output the corresponding disposal strategy according to the risk level and provide early warning.
在本实施例中，该方法首先建立风险矩阵，风险矩阵中包括各种情况下的风险等级、每个风险等级对应的风险分值和处置策略，风险矩阵参见下表：In this embodiment, the method first establishes a risk matrix. The risk matrix includes risk levels under various circumstances, risk scores and disposal strategies corresponding to each risk level. See the following table for the risk matrix:
风险等级可以通过风险分值累加评定，每触发一次风险，累加对应的风险分值，达到阈值后确定或调整风险等级。最后根据风险等级输出对应的处置策略，并进行预警。The risk level can be assessed by accumulating risk scores. Each time a risk is triggered, the corresponding risk scores are accumulated. When the threshold is reached, the risk level is determined or adjusted. Finally, the corresponding disposal strategy is output according to the risk level and an early warning is issued.
最后应说明的是：以上各实施例仅用以说明本发明的技术方案，而非对其限制；尽管参照前述各实施例对本发明进行了详细的说明，本领域的普通技术人员应当理解：其依然可以对前述各实施例所记载的技术方案进行修改，或者对其中部分或者全部技术特征进行等同替换；而这些修改或者替换，并不使相应技术方案的本质脱离本发明各实施例技术方案的范围，其均应涵盖在本发明的权利要求和说明书的范围当中。Finally, it should be noted that the above embodiments are only used to illustrate the technical solution of the present invention, but not to limit it. Although the present invention has been described in detail with reference to the foregoing embodiments, those of ordinary skill in the art should understand that: The technical solutions described in the foregoing embodiments can still be modified, or some or all of the technical features can be equivalently replaced; and these modifications or substitutions do not deviate from the essence of the corresponding technical solutions from the technical solutions of the embodiments of the present invention. scope, they should be covered by the claims and the scope of the description of the present invention.
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| CN202311828662.3ACN117745405B (en) | 2023-12-27 | 2023-12-27 | Off-line verification method applied to bank account opening and out-line adjustment |
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| CN202311828662.3ACN117745405B (en) | 2023-12-27 | 2023-12-27 | Off-line verification method applied to bank account opening and out-line adjustment |
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| CN117745405B CN117745405B (en) | 2025-09-09 |
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| CN202311828662.3AActiveCN117745405B (en) | 2023-12-27 | 2023-12-27 | Off-line verification method applied to bank account opening and out-line adjustment |
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