CN112598064A

CN112598064A - Data processing method and device

Info

Publication number: CN112598064A
Application number: CN202011558705.7A
Authority: CN
Inventors: 杨倩; 王耀晖; 贡佳炜; 周吴尧; 史洁
Original assignee: Agricultural Bank of China
Current assignee: Agricultural Bank of China
Priority date: 2020-12-25
Filing date: 2020-12-25
Publication date: 2021-04-02

Abstract

The application provides a data processing method and a data processing device, wherein image data at least containing a first face of a signed user is obtained in the process that an electronic device is in a contract signing link, and a plurality of image data at least containing the first face of the signed user are obtained in the contract signing link; the method comprises the steps of sending a face image acquisition request to a server, wherein the face image acquisition request carries identity document information of a first face-signing user, and receiving user face image data which are sent by the server and matched with the identity document information of the first face-signing user. If the facial feature data of the first facial sign user extracted from the image data matches the facial feature data of the user's facial image data, extracting signature information of the first facial sign user from the image data; if the signature information of the first signing user is matched with the reserved signature information, a plurality of image data are uploaded to improve safety and reduce waste of human resources.

Description

Data processing method and device

Technical Field

The present application belongs to the field of data processing technologies, and in particular, to a data processing method and apparatus.

Background

The current loan issuance process includes: the method comprises four links of client application, bank approval, contract signing and loan issuance, wherein the contract signing is the most important link in the loan issuance process, the contract signing represents that the bank and the client agree on the credit service, and has legal effectiveness, and once disputes are generated, the agreement in the contract is used as the standard.

In order to ensure that the contract signing process is legal in compliance and the signed contract is real and effective, a double-person face signing mode is adopted in the contract signing link at present, namely, at least two employees including a customer manager are assigned to the bank to sign the contract with the customer, and the at least two employees assigned to the bank play a role in mutual supervision, so that collusion counterfeiting is prevented, and the problem of joint loan with the customer caused by single face signing is reduced to a certain extent by the mode. Meanwhile, the common face signing of at least two employees who are stationed in the bank can double the labor cost, for example, the employees who participate in the face signing need to check the identity of the face signing user, and the like, so that the waste of human resources is brought.

Disclosure of Invention

In view of the above, an object of the present application is to provide a data processing method and apparatus for improving security and reducing waste of human resources.

In one aspect, the present application provides a data processing method, including:

the method comprises the steps that image data at least containing a face of a first face-signed user are obtained in the process that electronic equipment is in a contract signing link, and a plurality of image data at least containing the face of the first face-signed user are obtained in the contract signing link;

sending a face image acquisition request to a server, wherein the face image acquisition request carries the identity document information of the first face-signing user;

receiving user face image data which is sent by the server and matched with the identity document information of the first face-signing user;

if the facial feature data of the first face-signed user extracted from the image data matches the facial feature data of the user's facial image data, extracting signature information of the first face-signed user from the image data;

and if the signature information of the first signing user is matched with the reserved signature information, uploading the plurality of image data.

Optionally, the method further includes:

when the electronic equipment is in an identity checking link, obtaining identity document image data of a second countersigning user, and extracting identity document information of the second countersigning user from the identity document image data;

obtaining facial image data of a second facial label user, and extracting facial feature data from the facial image data of the second facial label user;

sending a face image acquisition request carrying identity document information of a second countersign user to the server;

receiving target user face image data sent by the server, wherein the target user face image data is sent by the server under the condition that the server determines that the identity document information of a second countersign user is true and valid;

and if the facial feature data of the second facial signature user indicates that the second facial signature user is a living object and the facial feature data is matched with the facial feature data of the facial image of the target user, indicating that the electronic equipment enters the contract signing link.

Optionally, the method further includes:

obtaining position information of the electronic equipment;

comparing the position information with the reserved position information of the first signing user and the position information of the website where the bank personnel participating in contract signing are located respectively;

and if the position information is matched with the reserved position information, or the position information is not matched with the reserved position information but is matched with the position information of the network point where the bank personnel are located, indicating to enter an identity checking link.

Optionally, the method further includes: the access rights to the album in the electronic device are disabled.

Optionally, the method further includes:

when the electronic equipment is in a contract signing link, acquiring video data in the contract signing process;

the uploading the plurality of image data comprises:

generating a face-signing working log according to the information of a first face-signing user, the information of the identity document, the position information of the first face-signing user, a plurality of image data and video data;

converting the surface label working log into a target file with a preset format, wherein the content in the target file with the preset format is forbidden to be modified;

and uploading the target file with the preset format.

Optionally, the method further includes:

and generating an identifier of the target file in the preset format, wherein the identifier is associated with the target file so as to access the target file through the identifier.

In another aspect, the present application provides a data processing apparatus, the apparatus comprising:

the acquiring unit is used for acquiring image data at least containing the face of a first face-signed user in the process that the electronic equipment is in a contract signing link, and acquiring a plurality of image data at least containing the face of the first face-signed user in the contract signing link;

the sending unit is used for sending a facial image acquisition request to a server, wherein the facial image acquisition request carries the identity document information of the first face-signing user;

the receiving unit is used for receiving user face image data which is sent by the server and matched with the identity document information of the first face-signed user;

an extracting unit configured to extract signature information of a first face-signed user from the image data if the facial feature data of the first face-signed user extracted from the image data matches the facial feature data of the user face image data;

the sending unit is further configured to upload the plurality of image data if the signature information of the first signing user matches the reserved signature information.

Optionally, the apparatus further comprises: an indicating unit;

the obtaining unit is further configured to, when the electronic device is in an identity verification link, obtain identity document image data of a second countersign user, extract identity document information of the second countersign user from the identity document image data, obtain facial image data of the second countersign user, and extract facial feature data from the facial image data of the second countersign user;

the sending unit is also used for sending a face image acquisition request carrying the identity document information of a second countersign user to the server;

the receiving unit is further used for receiving the target user face image data sent by the server, wherein the target user face image data is sent by the server under the condition that the identity document information of the second countersign user is determined to be true and valid;

the indicating unit is used for indicating the electronic equipment to enter the contract signing link if the facial feature data of the second facial signing user indicates that the second facial signing user is a living object and the facial feature data is matched with the facial feature data of the target user facial image;

or

The obtaining unit is further configured to obtain location information of the electronic device, and compare the location information with reserved location information of a first signing user and location information of a website where a bank worker participating in contract signing is located; the indicating unit is further configured to indicate to enter an identity checking link if the location information matches the reserved location information, or if the location information does not match the reserved location information but matches the location information of the branch where the banking staff is located.

In yet another aspect, the present application provides an electronic device, comprising:

at least one processor;

at least one memory, bus connected with the processor;

the processor and the memory complete mutual communication through the bus;

the processor is used for calling the program instructions in the memory so as to execute the data processing method.

In still another aspect, the present application provides a storage medium having a program stored thereon, the program implementing the above data processing method when executed by a processor.

According to the data processing method and the data processing device, in the process that the electronic equipment is in the contract signing link, image data at least containing the face of a first face signing user is obtained, and a plurality of image data at least containing the face of the first face signing user are obtained in the contract signing link; the method comprises the steps of sending a face image acquisition request to a server, wherein the face image acquisition request carries identity document information of a first face-signing user, and receiving user face image data which are sent by the server and matched with the identity document information of the first face-signing user. If the facial feature data of the first facial sign user extracted from the image data matches the facial feature data of the user's facial image data, extracting signature information of the first facial sign user from the image data; if the signature information of the first signing user is matched with the reserved signature information, a plurality of image data are uploaded, the identity and the signature information of the first signing user are automatically monitored in the process of a contract signing link, so that the identity authenticity and the consistency of the signature information of the first signing user are guaranteed, the possibility of joint cheating is reduced, and the safety is improved. Under the condition that the identity of the first signing user is real and the signing information is consistent, a plurality of image data at least containing the face of the first signing user, which are obtained in the contract signing link, are uploaded, so that the process of the contract signing link is rechecked through the plurality of image data, and the possibility of joint fraud is further reduced. The image data can be completed by the aid of one user, the number of personnel in the link of signing a contract with a bank party is reduced, and waste of human resources is reduced.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.

Fig. 1 is a flowchart of a data processing method provided in an embodiment of the present application;

FIG. 2 is a flow chart of another data processing method provided by an embodiment of the present application;

fig. 3 is a flowchart of another data processing method provided in an embodiment of the present application;

fig. 4 is a flowchart of another data processing method provided in an embodiment of the present application;

fig. 5 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present application;

fig. 6 is a schematic structural diagram of another data processing apparatus according to an embodiment of the present application.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are some embodiments of the present application, but not all 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 application.

Referring to fig. 1, an alternative flow of a data processing method provided in an embodiment of the present application is shown, which may include the following steps:

101: the method comprises the steps of obtaining image data at least containing a face of a first face signing user in a contract signing link process of electronic equipment, obtaining a plurality of image data at least containing the face of the first face signing user in the contract signing link, and continuously monitoring the contract signing process in the contract signing link, so that the contract signing process is restored through the plurality of image data, and automatic monitoring of the contract signing process is achieved.

The electronic equipment is provided with an application program with a service function of contract signing, for example, the electronic equipment is provided with a mobile credit system, the mobile credit system comprises service functions of bank approval, identity verification, contract signing, loan issuance and the like, and one loan issuance is completed through the mobile credit system. If the electronic equipment monitors that a loan application passes the bank approval and the identity verification passes, the electronic equipment enters a contract signing process to enable the electronic equipment to be in a contract signing link, and image data at least containing the face of a first signing user is obtained in the contract signing link. The image data may be obtained by an image pickup device in the electronic apparatus, or may be obtained by an image pickup device provided in a contract-made place, and the image data obtained by the image pickup device in the contract-made place is transmitted to the electronic apparatus by a network.

The image data may include, in addition to the face of the first signing user, an identity document of the first signing user, so that the identity of the first signing user is verified through the face of the first signing user and the identity document of the first signing user, the first signing user is a subject of contract signing and includes an enterprise legal person representative and a personal client, the type of the first signing user is determined depending on whether the loan object is an enterprise or a personal client, if the loan object is an enterprise, the first signing user is an enterprise legal person representative, and if the loan object is a personal client, the first signing user is a personal client. Whether the representative of the enterprise legal person or the personal client is the same, the identity of the first face signing user is verified in two aspects of the face of the first face signing user and the identity document of the first face signing user.

In this embodiment, the image data containing at least the face of the first signing user may be captured during the contract making process of the first signing user, that is, the image data containing the face and the posture of the first signing user is obtained when the first signing user is in a contract checking posture, a contract signing posture and the like, so as to indicate that the contract is made by the first signing user and prevent the first signing user from being replaced by the photo of the first signing user during the contract making process. The obtaining timing of the image data containing at least the face of the first signing user is not limited in this embodiment, for example, in the process that the electronic device is in the contract signing link, one image data is obtained at random or at certain intervals, so that the whole process of the contract signing link is monitored through the image data.

Of course, in order to prevent the first face-signed user from being replaced with a planar picture (e.g., a photograph) of the first face-signed user during contract making, it is also possible to determine whether the face of the first face-signed user in the image data is the face of a living object after the image data is obtained, and to reduce the possibility of forging the first face-signed user with the planar picture by living body detection.

102: and sending a face image acquisition request to the server, wherein the face image acquisition request carries the identity document information of the first face-signing user.

The identity document information of the first face-signing user can be manually input into the electronic equipment by a user of the electronic equipment, such as a banking party, who appoints personnel who participate in the contract face-signing, and the contract face-signing is a paper contract which is signed by a credit customer manager and the face-signing user in person before paying.

However, the manual input of the identity document information of the first face-signing user may have problems of input errors, forged identity document information, and the like, and for this point, the image data obtained in this embodiment may further include the identity document of the first face-signing user, and the identity document information of the first face-signing user is extracted from the image data, where the identity document information of the first face-signing user includes, but is not limited to, a name, an identity card number, and an validity period of the identity card, and these pieces of information are encapsulated in the face image acquisition request, and the face image acquisition request carrying the identity document information of the first face-signing user is sent to the server.

The server may be a server of a public security department, in which a networked identity verification system of the public security department operates, the networked identity verification system being configured to provide user facial image data retained by the public security department, for example, user facial image data on an identity document during handling of the identity document by the public security department. In order to protect the security of the private data, in the process of sending the facial image acquisition request to the server, the electronic device needs to send the facial image acquisition request to the server of the public security department through a device with access authority, for example, the server of the bank side has access authority, and the electronic device forwards the facial image acquisition request to the server of the public security department through the server of the bank side.

103: and receiving user face image data which is sent by the server and matched with the identity document information of the first face-signed user.

If the server receives the face image acquisition request, the server extracts the identity document information of the first face-signing user from the face image acquisition request, searches for user face image data matched with the identity document information of the first face-signing user, where the name and the identity document number can uniquely correspond to one user, and then acquires user face image data of the user to which the name and the identity document number point from a storage space corresponding to the server, where the storage space may be a local storage space of the server, a cloud storage space, and a storage device capable of coupling communication with the server, which is not limited in this embodiment.

104: if the facial feature data of the first facial signature user's face extracted from the image data matches the facial feature data of the user's facial image data, signature information of the first facial signature user is extracted from the image data.

In the present embodiment, the process of extracting facial feature data from image data and user face image data is: the image data and the face area in the user face image data are identified, and the face feature data is extracted from the face area, and the specific process is not described in the embodiment.

If the facial feature data of the first face-signed user's face extracted from the image data matches the facial feature data of the user's facial image data, it indicates that the identity of the first face-signed user is authentic and consistent with the information reserved by the public security department, in which case, it is instructed to extract the signature information of the first face-signed user from the image data. Extracting signature information of the first face-signed user from the image data comprises: the signature area is identified from the image data, and signature information of the first signing user is extracted from the signature area.

Because the signature information of the first signing user is obtained from the image data, the image data can also contain the signature information of the first signing user, and the signature information of the first signing user can be shot during the signing process of the first signing user on the contract. The first signing user may sign or stamp on the signature page of the contract or stamp on the official seal page, and whether signing or stamping can be regarded as signature information, and image data should be obtained in the process of performing the operation.

105: and if the signature information of the first signing user is matched with the reserved signature information, uploading a plurality of image data.

The reserved signature information is signature information which is reserved in advance by the first side signature user before signing the contract, for example, the signature information which is reserved by the first side signature user in the bank account opening process, and the reserved signature information can be at least one of handwritten signature handwriting and a seal used by the first side signature user.

If the signature information of the first signing user is matched with the reserved signature information, the first signing user is a party signing a contract at this time, and possibility of imposition is prevented, so that under the condition that the signature information of the first signing user is matched with the reserved signature information, a plurality of image data are uploaded, for example, the plurality of image data are uploaded to a credit management system of a bank party, the credit management system is used by the bank party for storing relevant data of each loan, for example, the plurality of image data used for monitoring a contract signing flow of any loan in a contract signing link, and thus, a contract signing flow of each loan can be checked through the credit management system.

And if the signature information of the first surface signing user is matched with the reserved signature information, a plurality of image data obtained in the contract signing process can be automatically uploaded, and compared with the conventional method that the contract is manually scanned into an electronic version for uploading after the surface signing is finished and audio data in mobile equipment such as a mobile phone and the like are manually uploaded, the method has the advantages of simplifying operation and reducing workload.

The points to be explained here are: stopping contract signing if the facial feature data of the first face signed user extracted from the image data does not match the facial feature data of the user's facial image data; and if the signature information of the first signing user is matched with the reserved signature information, stopping contract signing. In addition to stopping contract signing, the embodiment may also mark the illegal action of the contract signing this time to indicate that there is an illegal action of the contract signing this time, and the embodiment does not limit the marking form of the illegal action mark.

The data processing method comprises the steps of obtaining image data at least containing a face of a first face-signed user in the process of the electronic equipment in a contract signing link, and obtaining a plurality of image data at least containing the face of the first face-signed user in the contract signing link; the method comprises the steps of sending a face image acquisition request to a server, wherein the face image acquisition request carries identity document information of a first face-signing user, and receiving user face image data which are sent by the server and matched with the identity document information of the first face-signing user. If the facial feature data of the first facial sign user extracted from the image data matches the facial feature data of the user's facial image data, extracting signature information of the first facial sign user from the image data; if the signature information of the first signing user is matched with the reserved signature information, a plurality of image data are uploaded, the identity and the signature information of the first signing user are automatically monitored in the process of a contract signing link, so that the identity authenticity and the consistency of the signature information of the first signing user are guaranteed, the possibility of joint cheating is reduced, and the safety is improved. Under the condition that the identity of the first signing user is real and the signing information is consistent, a plurality of image data at least containing the face of the first signing user, which are obtained in the contract signing link, are uploaded, so that the process of the contract signing link is rechecked through the plurality of image data, and the possibility of joint fraud is further reduced. The image data can be completed by the aid of one user, the number of personnel in the link of signing a contract with a bank party is reduced, and waste of human resources is reduced.

According to the data processing method, the server located at the door side of the public security department is docked through extracting identity document information and face characteristic data matching technology, the server is docked with a networking check system of the public security department, user face image data reserved at the door side of the public security department is obtained through the extracted identity document information, authenticity and consistency check of a first face signing user are automatically completed through comparison of the face characteristic data of the user face image data and the face characteristic data of the first face signing user, compared with the fact that whether the user is the face signing user and authenticity and consistency of identity authentication are verified through depending on user experience, accuracy is improved, human factor influence is eliminated, and potential risks are reduced, such as risks of impersonation of others and combined loan of bank side personnel are reduced. And the authenticity of the signature information of the first signing user in the contract signing process is determined by comparing the signature information of the first signing user with the reserved signature information, so that counterfeiting is avoided.

Referring to fig. 2, an alternative flow of another data processing method provided in the embodiment of the present application is shown, which may include the following steps:

201: and when the electronic equipment is in an identity checking link, obtaining the identity document image data of the second countersigning user, and extracting the identity document information of the second countersigning user from the identity document image data.

The identity verifying link is positioned before the contract signing link, the identity of a face signing user in the contract signing is verified before the contract signing starts, the face signing user is a subject for signing the contract and comprises an enterprise legal representative and a personal client, the type of the face signing user is determined according to whether a loan object is an enterprise or a personal client, if the loan object is an enterprise, the face signing user is an enterprise legal representative, and if the loan object is a personal client, the face signing user is a personal client. Whether the corporate legal representative or the individual client himself/herself, the identity of the face-signed user is verified in consistency, authenticity and validity through the identity document image data and the face image data of the face-signed user, and therefore the situation that the identity of other people is forged and signed for contract fraud is prevented.

The second face-sign user's identity document information includes but is not limited to name, identification card number, ID card validity period to only point to a user through name, identification card number, ID card validity period etc. wherein the identity document image data includes: the embodiment of the method for obtaining the image data of the identity document is not limited, and the image data of the front side of the identity document and the image data of the back side of the identity document can be obtained by shooting through a camera of an electronic device. In addition to the fact that the identification card can be uniquely directed to one user, the identification card, the passport and other documents can also be uniquely directed to one user, and therefore, the identification document image data in the present embodiment is image data of a document that can be uniquely directed to one user, and is not limited to the image data of the identification card.

Wherein the process of extracting the identity document information of the second countersign user from the identity document image data comprises: identifying the area where the identity document information is located from the identity document image data, extracting the identity document information of the second countersign user from the area where the identity document information is located, such as but not limited to extracting the identity document information of the second countersign user from the area where the identity document information is located by OCR (Optical Character Recognition).

In this embodiment, after obtaining the image data of the identity document, adding a watermark to the image data of the identity document to protect the image data of the identity document through the watermark, so as to improve the security of the image data of the identity document, where the watermark added to the image data of the identity document may be an element involved in the contract signing process, such as but not limited to: the identity information of the bank personnel, the contract signing position information, the date information and the like in the contract signing process. The electronic device may automatically upload the watermarked identity document image data, such as to at least one of a credit management system and an archival system. The attribute of the identity document information of the second face sign user is set as a read-only attribute so as to prevent illegal personnel from modifying the identity document information.

202: facial image data of a second facial-sign user is obtained, and facial feature data is extracted from the facial image data of the second facial-sign user. In the present embodiment, the process of extracting facial feature data from the face image data of the second countersign user is: identifying a face area in the face image data of the second facial label user, extracting facial feature data from the face area, for example, obtaining the facial feature data through technologies such as face identification and face feature extraction, and the specific process is not described in this embodiment.

203: and sending a face image acquisition request carrying the identity document information of the second countersign user to the server.

If the server receives the face image acquisition request, the server extracts the identity document information of the second face-signing user from the face image acquisition request, searches for the face image data of the target user matched with the identity document information of the second face-signing user, if the identity document information of the second face-signing user comprises a name and an identity card number, the name and the identity card number can uniquely correspond to one user, and then acquires the face image data of the target user pointed by the name and the identity card number from a storage space corresponding to the server, wherein the storage space can be a local storage space of the server, a cloud storage space and storage equipment capable of being coupled with the server for communication, which is not limited in this embodiment.

If the server finds the facial image data of the target user matched with the identity document information of the second countersigning user, it indicates that the identity document information of the second countersigning user is real and effective, and in this case, the facial image data of the target user can be returned, where the server may be a server of a public security department, and a networked identity verification system of the public security department is operated in the server, and the networked identity verification system is used to provide the facial image data of the user retained by the public security department, for example, the facial image data of the user on the identity document in the process of handling the identity document by the public security department, and for specific description, refer to the above embodiment.

204: and receiving the target user face image data sent by the server, wherein the target user face image data is sent by the server under the condition that the identity document information of the second countersign user is determined to be real and effective.

205: and if the facial feature data of the second facial signature user indicates that the second facial signature user is a living object and the facial feature data is matched with the facial feature data of the facial image of the target user, indicating the electronic equipment to enter a contract signing link.

Wherein the determination of the second countersigned user as the live object is to prevent illegal persons from being impersonated by a flat picture, and the matching of the facial feature data with the facial feature data of the facial image of the target user is to verify whether the second countersigned user is the same user as the user in the identity document information, so as to determine the authenticity, validity and consistency of the identity of the second countersigned user through live detection and facial feature data matching.

In this embodiment, if the facial feature data of the second facial-tagged user indicates that the second facial-tagged user is a living subject and the facial feature data matches the facial feature data of the target user's facial image, then automatic upload of the facial image data of the second facial-tagged user is indicated, such as to at least one of a credit management system and an archive system, for automatic archival storage.

Prohibiting entry into a contract-signing link if the facial feature data of the second personally-signed user indicates that the second personally-signed user is not a living subject or the facial feature data does not match the facial feature data of the target user's facial image; in addition to prohibiting entering the link of contract signing, the embodiment may also mark the contract signing for illegal behavior to indicate that there is illegal behavior in the contract signing, and the embodiment does not limit the marking form of the illegal behavior mark.

The surface signing user comprises an enterprise legal person representative and a personal client, the type of the surface signing user depends on whether the loan object is an enterprise or a personal client, if the loan object is an enterprise, the surface signing user is an enterprise legal person representative, and if the loan object is a personal client, the surface signing user is a personal client. Therefore, for the fact that the face-signed user is an enterprise legal representative, whether the face-signed user is the enterprise legal representative needs to be verified, and if the face-signed user is not the enterprise legal representative, sending a face image acquisition request carrying identity document information of a second face-signed user to the server is forbidden, so that the contract signing link cannot be entered or is forbidden.

The verification of whether the enterprise legal representative is available can be assisted by a server of a business department, for example, a legal information acquisition request carrying identity document information of a second face signing user is sent to the server of the business department, the server of the business department extracts the identity document information of the second face signing user from the legal information acquisition request, and searches for legal information matched with the identity document information of the second face signing user, if the legal information and the identity document information of the second face signing user point to the same user, the second face signing user is the enterprise legal representative, the server of the business department can return an indication that the identity type verification is passed, otherwise, the indication that the identity type verification is failed is returned; certainly, the server of the industrial and commercial department can return the reserved legal person information, and the electronic equipment judges whether the reserved legal person information is represented by an enterprise legal person or not.

206: in the process that the electronic equipment is in a contract signing link, image data at least containing the face of a first face signing user is obtained.

207: and sending a face image acquisition request to the server, wherein the face image acquisition request carries the identity document information of the first face-signing user.

208: and receiving user face image data which is sent by the server and matched with the identity document information of the first face-signed user.

209: if the facial feature data of the first facial signature user's face extracted from the image data matches the facial feature data of the user's facial image data, signature information of the first facial signature user is extracted from the image data.

210: and if the signature information of the first signing user is matched with the reserved signature information, uploading a plurality of image data.

In this embodiment, steps 206 to 210: similar to the above steps 101 to 105, the description is omitted here. And if the second face signing user passing the identity verification performs contract signing, the second face signing user and the first face signing user are the same face signing user. If the second facebook user is replaced by another facebook user, the second facebook user and the first facebook user are different facebook users, which is also the purpose of matching the facial feature data and the signature information in the contract signing link to reduce the possibility of imposition through matching of the facial feature data and the signature information.

The data processing method comprises the steps of obtaining the identity document image data of a second countersign user when the electronic equipment is in an identity checking link, and extracting the identity document information of the second countersign user from the identity document image data; acquiring facial image data of a second facial label user, and extracting facial feature data from the facial image data of the second facial label user; sending a face image acquisition request carrying identity document information of a second countersign user to a server; receiving target user face image data sent by the server, wherein the target user face image data is sent by the server under the condition that the identity document information of the second countersign user is determined to be real and effective; and if the facial feature data of the second facial signature user indicates that the second facial signature user is a living object and the facial feature data is matched with the facial feature data of the facial image of the target user, indicating the electronic equipment to enter a contract signing link. Wherein the determination of the second countersigned user as the live object is to prevent illegal persons from being impersonated by a flat picture, and the matching of the facial feature data with the facial feature data of the facial image of the target user is to verify whether the second countersigned user is the same user as the user in the identity document information, so as to determine the authenticity, validity and consistency of the identity of the second countersigned user through live detection and facial feature data matching.

Referring to fig. 3, it shows an alternative flow of another data processing method provided in the embodiment of the present application, which may include the following steps:

301: location information of an electronic device is obtained. The electronic equipment is the electronic equipment which can be in the identity checking link and the contract signing link, for example, a mobile credit system is installed in the electronic equipment, the mobile credit system comprises the service functions of bank approval, identity checking, contract signing, loan issuance and the like, and one loan issuance is completed through the mobile credit system, so that the electronic equipment can be in the identity checking link and the contract signing link.

The location information of the electronic device is used to indicate the current geographical location of the electronic device, and is obtained by, but not limited to, a Positioning technology, such as a Global Positioning System (GPS).

302: and comparing the position information with the reserved position information of the first signing user and the position information of the website where the bank personnel participating in contract signing are located respectively.

In this embodiment, the first signing user is a user who opens an account in a bank and establishes basic customer information, where the basic customer information includes, but is not limited to, reserved location information (such as resident address information), handwritten signature handwriting and/or a stamp, the reserved location information is used to determine an address in a contract signing process, and the handwritten signature handwriting and/or the stamp is used as reserved signature information to verify signature information obtained in the contract signing process. The position information of the network site where the banking personnel participating in contract signing is the address information of the work network site of the banking personnel participating in contract signing, and the position information of the network site where the banking personnel participating in contract signing is an optional parameter for address determination. The address determination process is as follows:

if the position information of the electronic equipment is matched with the reserved position information of the first signing user, determining that the address signed by the contract is valid, and not needing to obtain the position information of a website where the bank personnel participating in the contract is located; if the position information of the electronic equipment is not matched with the reserved position information of the first face signing user, acquiring the position information of a website where the bank personnel participating in contract signing are located, comparing the position information with the position information of the website where the bank personnel participating in contract signing are located, and if the position information and the position information are matched, determining that the address signed by the contract is valid, and verifying the validity of the address signed by the contract through the electronic fence technology.

303: and if the position information is matched with the reserved position information, or the position information is not matched with the reserved position information but is matched with the position information of the website where the bank personnel are located, indicating to enter an identity checking link.

And if the position information is not matched with the reserved position information and is matched with the position information of the network site where the bank personnel are located, the user is forbidden to enter an identity checking link, and the contract signing can be further stopped. In the step of identity verification, the electronic device may perform identity verification in an automatic identity verification manner in the data processing method shown in fig. 2; or may be checked manually by bank personnel participating in the contract.

304: in the process that the electronic equipment is in a contract signing link, image data at least containing the face of a first face signing user is obtained.

305: and sending a face image acquisition request to the server, wherein the face image acquisition request carries the identity document information of the first face-signing user.

306: and receiving user face image data which is sent by the server and matched with the identity document information of the first face-signed user.

307: if the facial feature data of the first facial signature user's face extracted from the image data matches the facial feature data of the user's facial image data, signature information of the first facial signature user is extracted from the image data.

308: and if the signature information of the first signing user is matched with the reserved signature information, uploading a plurality of image data.

In this embodiment, steps 303 to 308: similar to the above steps 101 to 105, the description is omitted here.

The data processing method comprises the steps of obtaining position information of the electronic equipment, comparing the position information with reserved position information of a first signing user and position information of a website where a bank worker participating in contract signing is located respectively, and indicating to enter an identity checking link if the position information is matched with the reserved position information or the position information is not matched with the reserved position information but is matched with the position information of the website where the bank worker is located, so that the validity of the address signed in the contract is checked through an electronic fence technology before entering the identity checking link.

For the data processing method, no matter the identity checking link or the contract signing link, the data processing method disables the album access authority in the electronic equipment, for example, if the electronic equipment detects that the electronic equipment runs a process related to the identity checking or the contract signing, the album access authority in the electronic equipment is disabled to prohibit the electronic equipment from being accessed to the album, so as to prevent the image data, the identity certificate image data and the like from being modified and forged, and improve the safety.

Referring to fig. 4, an alternative flow of another data processing method provided in the embodiment of the present application is shown, which may include the following steps:

401: when the electronic equipment is in a contract signing link, image data at least containing the face of a first face signing user is obtained, and video data in the contract signing process is obtained.

That is to say, in the contract signing link of the electronic device, not only the image data at least containing the face of the first signing user but also the video data in the contract signing process are obtained, so that the identity of the first signing user can be verified, and the 'double recording' operation of recording and video in the contract signing process can be carried out, so as to ensure that more contents in the contract signing process are kept, and the contract signing process is embodied.

In this embodiment, in the contract signing link of the electronic device, the album access right in the electronic device is disabled to adopt the image data and the video data obtained in the contract signing process, so that even if the image data and the video data are stored in the electronic device, the user cannot randomly modify the image data and the video data in the album due to the disabled album access right, and falsification of the image data and the video data is avoided.

402: and sending a face image acquisition request to the server, wherein the face image acquisition request carries the identity document information of the first face-signing user.

403: and receiving user face image data which is sent by the server and matched with the identity document information of the first face-signed user.

404: if the facial feature data of the first facial signature user's face extracted from the image data matches the facial feature data of the user's facial image data, signature information of the first facial signature user is extracted from the image data.

405: and if the signature information of the first signing user is matched with the reserved signature information, generating a signing job log according to the first signing user information, the identity document information, the position information of the first signing user, the plurality of image data and the video data.

The first face-to-face user information is client information in the contract signing process, and for example, the first face-to-face user information comprises the name of the first face-to-face user. Identity document information is related to an identity document of the first face-signing user, including, for example, identity document information: name, ID card number, validity period of ID card. In this embodiment, the identity document information and the location information of the first countersign user may be verified in a verification manner in the data processing method, and if the verification fails, generation of the countersign work log is prohibited.

In addition to generating the face-to-face job log from the above information, the face-to-face job log can be generated in association with a date, which may be a time of contract sign-on. The way of generating the face-to-face work log is, but not limited to: and combining the first face-signing user information, the identity document information, the position information of the first face-signing user, a plurality of image data and video data, even date into a document.

406: and converting the surface label working log into a target file with a preset format, wherein the content in the target file with the preset format is forbidden to be modified. The points to be explained here are: the preset format of the target file in which the content is prohibited from being modified represents that: the content in the target file is prohibited from being deleted, altered, etc., but notes may be added to the target file, such as which parts of the content are important for checking the content, which parts of the content may be problematic, etc. The preset format may be a format for improving the security of the target file, for example, one expression of the preset format is: PDF format.

407: and uploading the target file with the preset format. Besides uploading the target file in the preset format, the embodiment may also upload the image data, the video data, the identity document image data, and the like. Since the uploaded image data may be image data of the same image, the image data of a good-quality image can be determined by analysis and uploaded during the uploading process, and the good-quality image may be an image with high definition.

In the process of uploading target files, image data, video data, identity document image data and the like in a preset format, adding watermarks to the uploaded content to protect the uploaded content through the watermarks, so as to improve the security of the content, wherein the added watermarks can be elements involved in the contract signing process, such as but not limited to: the identity information of the bank personnel, the contract signing position information, the date information and the like in the contract signing process. The electronic device may automatically upload the watermarked content, such as to at least one of a credit management system and an archive system. The watermark can play a certain warning role to warn that the content added with the watermark is possibly subjected to privacy prohibition of external transmission, and even if the content is transmitted externally, personnel who reveal the content can be traced according to the watermark, so that the personnel can pay more attention to strengthening the confidentiality of the content.

In addition, the data processing method may further include: and generating an identifier of the target file in a preset format, wherein the identifier is associated with the target file so as to access the target file through the identifier. If the identification of the target file with the preset format is the graphic code of the target file, if the scanning operation aiming at the graphic code is monitored, the storage space of the target file with the graphic code associated can be automatically jumped to, so that the target file can be checked.

One usage scenario of the graphic code is as follows: in the process of printing the paper contract corresponding to the target document, the graphic code of the target document is printed on the paper contract, for example, the cover of the paper contract, so that a user can check the target document by scanning the graphic code. The association between the target document and the paper contract can be established through but not limited to contract identification, the contract identification can be contract number, different contracts can be distinguished through the contract number, the target document can also be provided with the contract number, therefore, when the paper contract with the contract number is printed, the target document can be found through the contract number, and then the graphic code of the target document is printed on the cover of the paper contract, so that the manual establishment of the association between the paper contract and the target document is omitted.

Another usage scenario of the graphic code is as follows: and scanning the graphic code in the credit management system to automatically jump to the target file pointed by the graphic code, and realizing access and viewing of the target file in the credit management system. The viewing may be through the APP of the mobile credit system other than in the credit management system, which is not limited in this embodiment.

According to the data processing method, the face-signing working log is generated according to the first face-signing user information, the identity document information, the position information of the first face-signing user, the plurality of image data and the video data, the face-signing working log is converted into the target file in the preset format, the content in the target file in the preset format is forbidden to be modified, and the safety of the target file is improved. And uploading the target file in the preset format so as to facilitate the access and the viewing of the target file.

While, for purposes of simplicity of explanation, the foregoing method embodiments have been described as a series of acts or combination of acts, it will be appreciated by those skilled in the art that the present application is not limited by the order of acts or acts described, as some steps may occur in other orders or concurrently with other steps in accordance with the application. Further, those skilled in the art should also appreciate that the embodiments described in the specification are preferred embodiments and that the acts and modules referred to are not necessarily required in this application.

Corresponding to the foregoing method embodiment, an embodiment of the present application further provides a data processing apparatus, an optional structure of which is shown in fig. 5, and may include: an obtaining unit 10, a sending unit 20, a receiving unit 30, and an extracting unit 40.

The obtaining unit 10 is configured to obtain image data at least including a face of a first signing user in a process that the electronic device is in a contract signing link, and obtain a plurality of image data at least including the face of the first signing user in the contract signing link, so as to continuously monitor the contract signing process in the contract signing link, thereby restoring the contract signing process through the plurality of image data, and implementing automatic monitoring on the contract signing process.

In this embodiment, please refer to the above method embodiment for the acquisition and description of the image data, which is not described herein again.

The sending unit 20 is configured to send a facial image acquisition request to the server, where the facial image acquisition request carries identity document information of the first countersign user.

The identity document information of the first signing user may be manually input into the electronic device by a user of the electronic device, such as a banking party, who delegates to participate in the present signing, or the image data obtained by the obtaining unit 10 may further include an identity document of the first signing user, and the identity document information of the first signing user is extracted from the image data, where the identity document information of the first signing user includes, but is not limited to, a name, an identity card number, and an identity card validity period, and is encapsulated in the face image obtaining request, and the face image obtaining request carrying the identity document information of the first signing user is sent to the server.

The server may be a server of the public security department, in which a network identity verification system of the public security department operates, the network identity verification system being configured to provide user facial image data retained by the public security department, for example, user facial image data on an identity document during handling of the identity document by the public security department, please refer to the above method embodiment for detailed description.

And the receiving unit 30 is used for receiving the user face image data which is sent by the server and matched with the identity document information of the first face-signing user.

An extracting unit 40 for extracting signature information of the first sign-on user from the image data if the facial feature data of the first sign-on user's face extracted from the image data matches the facial feature data of the user's face image data. In the present embodiment, the process of extracting facial feature data from image data and user face image data is: the image data and the face area in the user face image data are identified, and the face feature data is extracted from the face area, and the specific process is not described in the embodiment.

The sending unit 20 is further configured to upload a plurality of image data if the signature information of the first signing user matches the reserved signature information. The reserved signature information is signature information which is reserved in advance by the first side signature user before signing the contract, for example, the signature information which is reserved by the first side signature user in the bank account opening process, and the reserved signature information can be at least one of handwritten signature handwriting and a seal used by the first side signature user.

If the signature information of the first signing user is matched with the reserved signature information, the first signing user is the party signing the contract at this time, the possibility of imposition is prevented, and therefore under the condition that the signature information of the first signing user is matched with the reserved signature information, a plurality of image data are uploaded.

In this embodiment, the obtaining unit 10 obtains the video data in the contract signing process when the electronic device is in the contract signing link, so as to obtain the image data and the video data in the contract signing process, so that the identity of the first side signing user can be verified, and meanwhile, the "double recording" operation of recording and video in the contract signing process can be performed, so as to ensure that more contents in the contract signing process are retained, and the contract signing process of this time is embodied; the data processing device provided by the corresponding embodiment further comprises: the generating unit is used for generating a face-signing working log according to the first face-signing user information, the identity document information, the position information of the first face-signing user, the plurality of image data and the video data; converting the surface label working log into a target file with a preset format, wherein the content in the target file with the preset format is forbidden to be modified; and the sending unit 20 is configured to upload the target file in the preset format.

In the process of uploading target files, image data, video data, identity document image data and the like in preset formats, watermarks are added to the uploaded contents so as to protect the uploaded contents through the watermarks, and the security of the contents is improved.

In addition, the generating unit is further configured to generate an identifier of the target file in a preset format, where there is an association between the identifier and the target file, so as to access the target file through the identifier. The identification of the target file with the preset format is the graphic code of the target file, and if the scanning operation aiming at the graphic code is monitored, the storage space of the target file with the graphic code associated can be automatically jumped to, so that the target file can be checked.

The data processing device obtains image data at least containing the face of a first face-signed user in the process of the electronic equipment in the contract signing link, and obtains a plurality of image data at least containing the face of the first face-signed user in the contract signing link; the method comprises the steps of sending a face image acquisition request to a server, wherein the face image acquisition request carries identity document information of a first face-signing user, and receiving user face image data which are sent by the server and matched with the identity document information of the first face-signing user. If the facial feature data of the first facial sign user extracted from the image data matches the facial feature data of the user's facial image data, extracting signature information of the first facial sign user from the image data; if the signature information of the first signing user is matched with the reserved signature information, a plurality of image data are uploaded, the identity and the signature information of the first signing user are automatically monitored in the process of a contract signing link, so that the identity authenticity and the consistency of the signature information of the first signing user are guaranteed, the possibility of joint cheating is reduced, and the safety is improved. Under the condition that the identity of the first signing user is real and the signing information is consistent, a plurality of image data at least containing the face of the first signing user, which are obtained in the contract signing link, are uploaded, so that the process of the contract signing link is rechecked through the plurality of image data, and the possibility of joint fraud is further reduced. The image data can be completed by the aid of one user, the number of personnel in the link of signing a contract with a bank party is reduced, and waste of human resources is reduced.

Referring to fig. 6, an alternative structure of another data processing apparatus provided in the embodiment of the present application is shown, which may further include: an indication unit 50.

The obtaining unit 10 is further configured to, when the electronic device is in an identity verification link, obtain identity document image data of a second countersign user, extract identity document information of the second countersign user from the identity document image data, and obtain facial image data of the second countersign user, and extract facial feature data from the facial image data of the second countersign user.

The second face-sign user's identity document information includes but is not limited to name, identification card number, ID card validity period to only point to a user through name, identification card number, ID card validity period etc. wherein the identity document image data includes: the image data of the front side of the identity document and the image data of the back side of the identity document can also be the image data of other documents, such as drivers' licenses, passports and other documents.

In this embodiment, after obtaining the image data of the identity document, the watermark is added to the image data of the identity document to protect the image data of the identity document through the watermark, so as to improve the security of the image data of the identity document.

The process of the obtaining unit 10 extracting the facial feature data from the face image data of the second countersign user is: identifying a face area in the face image data of the second facial label user, extracting facial feature data from the face area, for example, obtaining the facial feature data through technologies such as face identification and face feature extraction, and the specific process is not described in this embodiment.

The sending unit 20 is further configured to send a facial image acquisition request carrying the identity document information of the second countersigning user to the server.

And the receiving unit 30 is also used for receiving the target user face image data sent by the server, wherein the target user face image data is sent by the server under the condition that the server determines that the identity document information of the second countersigning user is really effective.

An indicating unit 50 for indicating the electronic apparatus to enter a contract-making process if the facial feature data of the second personally-signed user indicates that the second personally-signed user is a living object and the facial feature data matches the facial feature data of the facial image of the target user.

In the present embodiment, if the facial feature data of the second facial-tagged user indicates that the second facial-tagged user is a living subject and the facial feature data matches the facial feature data of the facial image of the target user, the indicating unit 50 indicates that the facial image data of the second facial-tagged user is automatically uploaded, such as to at least one of a credit management system and an archive system, for automatic archival storage.

Or

In the data processing apparatus, the obtaining unit 10 is further configured to obtain the location information of the electronic device, compare the location information with the reserved location information of the first signing user and the location information of the website where the banking staff participating in the contract signing are located, and please refer to the method embodiment in the comparison process. And the indicating unit 50 is further configured to indicate to enter an identity checking link if the location information matches the reserved location information, or if the location information does not match the reserved location information but matches the location information of the website where the bank staff is located, so as to verify the validity of the address signed by the contract through an electronic fence technology before entering the identity checking link.

For the data processing device, no matter the identity checking link or the contract signing link, the control unit in the data processing device disables the album access authority in the electronic equipment, for example, if the electronic equipment detects that the electronic equipment runs a process related to the identity checking or the contract signing, the album access authority in the electronic equipment is disabled, so that the access to the album in the electronic equipment is disabled, the image data, the identity certificate image data and the like are prevented from being modified and forged, and the safety is improved.

An embodiment of the present application further provides an electronic device, including: the system comprises at least one processor, at least one memory connected with the processor and a bus. The processor and the memory are communicated with each other through the bus. The processor is used for calling the program instructions in the memory so as to execute the data processing method.

The embodiment of the application also provides a storage medium, wherein the storage medium is stored with a program, and the program realizes the data processing method when being executed by the processor.

It should be noted that, various embodiments in this specification may be described in a progressive manner, and features described in various embodiments in this specification may be replaced with or combined with each other, each embodiment focuses on differences from other embodiments, and similar parts between various embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.

Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, 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.

The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. 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 application. Thus, the present application 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.

The foregoing is only a preferred embodiment of the present application and it should be noted that those skilled in the art can make several improvements and modifications without departing from the principle of the present application, and these improvements and modifications should also be considered as the protection scope of the present application.

Claims

1. A method of data processing, the method comprising:

2. The method of claim 1, further comprising:

3. The method of claim 1, further comprising:

obtaining position information of the electronic equipment;

4. The method of claim 1, further comprising: the access rights to the album in the electronic device are disabled.

5. The method of claim 1, further comprising:

the uploading the plurality of image data comprises:

and uploading the target file with the preset format.

6. The method of claim 5, further comprising:

7. A data processing apparatus, characterized in that the apparatus comprises:

8. The apparatus of claim 7, further comprising: an indicating unit;

or

9. An electronic device, comprising:

at least one processor;

at least one memory, bus connected with the processor;

the processor and the memory complete mutual communication through the bus;

the processor is arranged to call program instructions in the memory to perform the data processing method of any of claims 1 to 6.

10. A storage medium, characterized in that the storage medium has stored thereon a program which, when executed by a processor, implements a data processing method according to any one of claims 1 to 6.