CN103778560A - Loan business information authenticity verification implementation method and device - Google Patents
Loan business information authenticity verification implementation method and device Download PDFInfo
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- CN103778560A CN103778560A CN201410079619.6A CN201410079619A CN103778560A CN 103778560 A CN103778560 A CN 103778560A CN 201410079619 A CN201410079619 A CN 201410079619A CN 103778560 A CN103778560 A CN 103778560A
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Abstract
The invention relates to the technical field of information, in particular to a loan business information authenticity verification implementation method and device. The method includes the steps: determining an information verification requirement and acquiring loan business information corresponding to the information verification requirement; respectively judging whether key information extracted from electronic scanned copies is consistent with pre-stored verification information or not, whether the key information is consistent with real information acquired by an auxiliary data interface or not and whether the electronic scanned copies are scanned copies of real certificates or not, and transmitting a blocking signal and giving an alarm if any judgment result is no. The information verification requirement corresponds to a loan business type requested by a loan request object, and the loan business information comprises the electronic scanned copies of evidentiary materials which are provided by the loan request object and used for applying for loan businesses. By the method and the device, information verification can be accelerated, and mistakes caused by human factors in manual verification in related technologies can be avoided to a certain extent.
Description
Technical field
The present invention relates to areas of information technology, verify implementation method and device in particular to loan transaction information authenticity.
Background technology
To be bank or other financial institution lend a kind of credit activity form of money-capital by certain interest rate and the condition such as must give back to loan.
In loan transaction, loan safety is the matter of utmost importance facing in financial borrowing process, but may produce various credit risks in loan transaction, such as, in loan transaction information verification, fake for the file of ascertainment of loan and examination information fraud etc.In order to control credit risk, need to verify the authenticity of the information relating in loan transaction.
In correlation technique, mainly examine the authenticity of loan mission bit stream by manual type, but it is lower to examine treatment effeciency by manual type, and easily make mistakes, can find out the application demand on the discontented full border of mode of the manual examination and verification loan transaction information in correlation technique.
Summary of the invention
The object of the present invention is to provide loan transaction information authenticity to verify implementation method and device, to solve the above problems.
Provide in an embodiment of the present invention loan transaction information authenticity to verify implementation method, having comprised:
Determine information verification demand and obtain and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding; Described loan transaction information comprises the electronic scanned document of the testimonial material for apply for loan business that described loan requests object provides;
Judge respectively whether consistent with pre-stored verification message, the described key message of the key message extracting from described electronic scanned document whether and described electronic scanned document consistent with the real information obtaining from auxiliary data interface whether be the scanned copy of true certificate, if the result that any one judges is no, send blocking processing signal alarm.
Preferably, judge that whether the key message extracting is consistent with pre-stored verification message from described electronic scanned document, comprise: extract respectively the key message in I.D. scanning electron part, operation license scanning electron part and the property ownership certificate scanning electron part that described loan transaction information comprises, judge that whether the described key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.
Preferably, judge whether described electronic scanned document is the scanned copy of true certificate, comprise: the true and false of identifying described I.D. scanning electron part, operation license scanning electron part and property ownership certificate scanning electron part, judge when described I.D. scanning electron part or described operation license scanning electron part or described property ownership certificate scanning electron part are forged certificate, send blocking processing signal alarm.
Preferably, the method also comprises: verify whether the credit verification message that described loan transaction information comprises meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm; In the time that described credit verification message meets default loan transaction credit rule, verify whether the loan transaction treatment scheme information that described loan transaction information comprises meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
Preferably, verify that whether described credit verification message meets default loan transaction credit rule, comprising: verify whether described credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm.
Preferably, verify whether described credit verification message meets default mandate enabled condition, comprise: when loan transaction type is personal loan business, described credit verification message comprises Private Banking's flowing water, whether the individual annual income that judges described loan requests object according to described Private Banking flowing water is lower than default income threshold value, if so, send refusal credit information; When loan transaction type is enterprise's loan transaction, described credit verification message comprises enterprise financial report, judge that according to described enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
Preferably, described credit verification message comprises Mortgage assets information, verifies in described Mortgage assets information whether comprise the property ownership certificate of mortgaging house property, if do not comprise, sends the instruction of refusal loan; Verify whether the collateral security information that described Mortgage assets information comprises is vehicle, if so, sends and breaks off relations loan instruction.
Preferably, verify whether described loan transaction treatment scheme information meets default loan transaction processing requirements, comprise: verify respectively the integrality in responsible report and the wind control report that described loan transaction treatment scheme information is included, if the integrality of described responsible report or described wind control report does not meet preset requirement, send blocking processing signal alarm; Whether the signing messages of the described responsible report that checking is obtained respectively and described wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
The embodiment of the present invention also provides loan transaction information authenticity to verify implement device, comprise: information acquisition module, for determining information verification demand and obtaining and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding; Described loan transaction information comprises the electronic scanned document of the testimonial material for apply for loan business that described loan requests object provides; Judge module, for judge respectively whether consistent with pre-stored verification message, the described key message of the key message extracting from described electronic scanned document whether and described electronic scanned document consistent with the real information obtaining from auxiliary data interface whether be the scanned copy of true certificate, if the result that any one judges is no, send blocking processing signal alarm.
The loan transaction information authenticity that the embodiment of the present invention provides is verified implementation method and device, the loan transaction information corresponding according to information verification Requirement Acquisition, and the electron scanning of the testimonial material for apply for loan business comprising from loan transaction information obtain key message, the key message that utilization is obtained can be verified pre-stored verification message, whether and thereby it is true to utilize key message can also from other auxiliary data interface, obtain the information that relevant real information checking loan requests object provides, the authenticity of the electronic scanned document that also can provide loan requests object is further verified, and in the time that not mating, any one checking sends blocking processing signal alarm.Find out thus the loan transaction information authenticity verification implementation method in the embodiment of the present invention and install and can automatically verify the authenticity of loan transaction information, not only can improve the speed of information verification, and can avoid to a certain extent the mistake that in correlation technique, in artificial verification, human factor causes, therefore the loan transaction information authenticity in the embodiment of the present invention is verified implementation method and is installed the demand that more can meet practical application.
Accompanying drawing explanation
Fig. 1 shows the process flow diagram that in the embodiment of the present invention, loan transaction information authenticity is verified implementation method;
Fig. 2 shows embodiment of the present invention loan transaction information authenticity verification implement device
Structural representation;
Fig. 3 shows embodiment of the present invention loan transaction brain wash authenticity and verifies implementation method
Processing schematic diagram.
Embodiment
Also by reference to the accompanying drawings the present invention is described in further detail below by specific embodiment.
In the embodiment of the present invention, provide a kind of loan transaction information authenticity to verify implementation method, as shown in Figure 1, main treatment step comprises:
Step S11: determine information verification demand and obtain and the corresponding loan transaction information of information verification demand, the loan transaction type institute that wherein information verification demand is asked with loan requests object is corresponding; Loan transaction information comprises the electronic scanned document of the testimonial material for apply for loan business that loan requests object provides;
Step S12: judge respectively whether the key message extracting consistent with pre-stored verification message from electronic scanned document, key message whether and electronic scanned document consistent with the real information obtaining from auxiliary data interface whether be the scanned copy of true certificate, if the result that any one judges is no, send blocking processing signal alarm.
The loan transaction information authenticity that the embodiment of the present invention provides is verified implementation method and device, the loan transaction information corresponding according to information verification Requirement Acquisition, and the electron scanning of the testimonial material for apply for loan business comprising from loan transaction information obtain key message, the key message that utilization is obtained can be verified pre-stored verification message, whether and thereby it is true to utilize key message can also from other auxiliary data interface, obtain the information that relevant real information checking loan requests object provides, the authenticity of the electronic scanned document that also can provide loan requests object is further verified, and in the time that not mating, any one checking sends blocking processing signal alarm.Find out thus the loan transaction information authenticity verification implementation method in the embodiment of the present invention and install and can automatically verify the authenticity of loan transaction information, not only can improve the speed of information verification, and can avoid to a certain extent the mistake that in correlation technique, in artificial verification, human factor causes, therefore the loan transaction information authenticity in the embodiment of the present invention is verified implementation method and is installed the demand that more can meet practical application.
Loan transaction information authenticity in the embodiment of the present invention is verified implementation method can also diagnose loan rule by intellectual analysis, by judging authenticity and the rationality of every loan, on the one hand, can help financial institution to save manpower audit cost, discharge and be not inconsistent regular prospective borrower fast, on the other hand, can be Managing Financial Institutions high level supervision sharp weapon are provided, effectively evade bank, small-loan company, the employee of the financial institution (as: business personnels such as P2P platform, wind control personnel etc.) make loans in violation of rules and regulations, reduce the loss causing to mechanism because interior employee provides in violation of rules and regulations loan false or that over-evaluate.
In loan accept process, verifying the consuming time and tool of the authenticity of creditor's information and material acquires a certain degree of difficulty, for reducing cost of labor, evade intentional or unintentional artificial discriminating mistake simultaneously, in the embodiment of the present invention judge that the key message that extracts is whether consistent with pre-stored verification message from electronic scanned document time, comprise and extract respectively the I.D. scanning electron part that loan transaction information comprises, key message in operation license scanning electron part and property ownership certificate scanning electron part, judge that whether the key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.In many financial institutions, the Back ground Information of loan requests object is by manually verifying, consuming time and easily make mistakes, in the embodiment of the present invention, adopt scanning recognition technology, from I.D. scanned copy, operation license scanning electron part and property ownership certificate scanning electron part, extract key message, and utilize the key message extracting to compare with the basic verification message of typing in advance, if compare inconsistent, the blocking processing signal producing can be blocked the continuation of loan transaction and verify, and reduces loan transaction risk.
Wherein, utilize I.D. scanning electron part can extract the personal information of loan requests object, the verification of the personal information of loan requests object and typing canned data in advance can being compared thus, alarm when inconsistent;
Utilize property ownership certificate scanning electron part can extract the essential information of loan requests object for the house property mortgaged, can verify the mortgage house property of loan requests object thus;
Utilize operation license scanning electron part can extract the operation license key messages such as title, residence, legal representative's name company type, scope of business, the Date of Incorporation, business time limit, numbering, number of registration, registered capital and the paid in capital of the enterprise of application for credit, utilize operation license key message and the pre-stored operation license information extracted to compare, the cost of replacement desk checking also reduces the mistake of desk checking.
In loan transaction processing procedure, loan requests object may spurious obtain loan and authorizes for obtaining loan, therefore needs to verify the authenticity of the information that loan requests person provides.Therefore need to judge that whether the key message extracting is consistent with the real information obtaining from auxiliary data interface, send blocking processing signal alarm if inconsistent.
Take the relevant information in the operation license of loan requests object as example, when obtaining after the enterprise name of application for credit enterprise, the enterprise name that the utilization of auxiliary data interface is obtained reads enterprise's real information of loan enterprises from corresponding industrial and commercial bureau website; By the enterprise's real information obtaining with compare for the company information of verifying, can judge company information true and false of application for credit, this method, by the artificial mode of simulation, judges the authenticity of company information automatically, thereby the efficiency of information verification is effectively provided.
Can also carry out authenticity judgement to a series of information such as the identity information of loan requests object, bank's flowing water information, financial statement and credit card records by the method, guarantee the authenticity of the various information of obtaining.
Carry out the process of authenticity judgement in the various information for loan requests that loan requests object is provided, the I.D. scanning electron part obtaining, operation license scanning electron part and property ownership certificate scanning electron part are likely forged certificates, therefore also need the true and false of the scanning electron part to obtaining to differentiate, therefore in the embodiment of the present invention, judge that whether electronic scanned document is that the scanned copy of true certificate comprises: identification I.D. scanning electron part, the true and false of operation license scanning electron part and property ownership certificate scanning electron part, judge when I.D. scanning electron part or operation license scanning electron part or property ownership certificate scanning electron part are forged certificate, send blocking processing signal alarm.
Take identification I.D. scanning electron part as example, all words on identification I.D. scanning electron part, utilize certificate Chinese word stroke feature to differentiate the true and false of I.D. scanning electron part, the bar of the words such as the such as all words on true I.D. official seal and name, sex, birth, address, numbering is straight stroke, as " city, peace ", the receipts pen place of bar is without triangle.False I.D. is different, and as " city, peace ", there is triangle at the receipts pen place of bar.It is true I.D. that " office " the right in official seal is leveled up and down; Protruding under upper contracting (office) is false I.D..
In loan transaction information authenticity check method, also need the processing of verifying loan transaction whether to meet loan transaction criterion for credit.Preferably, whether the credit verification message in checking loan transaction information meets default mandate enabled condition, if do not meet and send blocking processing signal alarm.
Particularly, whether checking credit verification message meets default mandate enabled condition, comprise: when loan transaction type is personal loan business, credit verification message comprises Private Banking's flowing water, whether the individual annual income that judges loan requests object according to Private Banking's flowing water is lower than default income threshold value, if so, send refusal credit information; When loan transaction type is enterprise's loan transaction, credit verification message comprises enterprise financial report, judges that according to enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
Particularly, credit verification message comprises Mortgage assets information, in checking Mortgage assets information, whether comprises the property ownership certificate of mortgaging house property, if do not comprise, sends the instruction of refusal loan; Whether the collateral security information that checking Mortgage assets information comprises is vehicle, if so, sends and breaks off relations loan instruction.
Again for example, in loan transaction, need to verify the credit card record of loan requests object, and predefined criterion for credit is that the credit card number of times that exceeds the time limit is more than or equal at 5 o'clock, send the instruction of refusal loan, therefore in the time that the credit card record to loan requests object is verified, the credit card of the loan requests object that statistics the is obtained refund number of times that exceeds the time limit is in the given time refused credit in the time that the number of times that exceeds the time limit is more than or equal to 5 times.
Again for example, in enterprise's loan transaction, need the paid in capital of enterprise to verify, and predefined criterion for credit is that enterprise's paid in capital is less than at 1,000,000 o'clock and will not provides a loan, therefore obtaining after the information of loan enterprises, whether the paid in capital of checking enterprise is less than 1,000,000, sends the instruction of refusal loan if be less than.
Except utilizing concrete judge condition personal settings criterion for credit, can also utilize credit scoring principle to determine whether loan requests object meets criterion for credit.Wherein specifically be divided into two kinds of situations, one is that financial institution itself has credit scoring system, and the interface that now only need call points-scoring system carries out credit score calculation, or direct using financial institution's points-scoring system to the scoring of this loan project as input.The second is financial institution's points-scoring system that has no credit, and points-scoring system that now can a built-in standard calculates.
Scoring can be used as the information in the configuration of information condition strategy, and score value interval just can be used as condition, illustrate: information: personal credit scoring condition is less than or equal to 60 points will not provide a loan, or business standing marks between 60-80 divides, loan limit can not exceed 500,000.
To sum up, system is to wish the function robotization of wind control or audit, by setting different strategies, to evade efficiently financial institution against regulation or have a loan project of risk in loan transaction, for financial institution provides the solution of avoiding risk of intelligence.
In the embodiment of the present invention, verify whether loan transaction treatment scheme information meets default loan transaction processing requirements, comprise: verify respectively the integrality in responsible report and the wind control report that loan transaction treatment scheme information is included, if the integrality of responsible report or wind control report does not meet preset requirement, send blocking processing signal alarm; Whether the signing messages of the responsible report that checking is obtained respectively and wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
The loan transaction information authenticity that shows the embodiment of the present invention as Fig. 3 is verified the processing schematic diagram of implementation method, the loan transaction information authenticity of every loan verify start after according to the automatic information generated inspection program of the type of loan transaction.
In to loan transaction information authenticity verification process, the material first loan requests object being provided mates with the information being entered in loan transaction inquiry system, and in the time that coupling is consistent, the authenticity of the information that loan requests object is provided is verified.Particularly, by information authenticity intelligent processing system, information is carried out to authenticity judgement, if authenticity judge unsuccessfully, can carry out failure handling; If authenticity judgement is passed through, the authenticity of the material that can provide loan requests object is verified, particularly, material loan requests object being provided by material authenticity intelligent processing system carries out authenticity judgement, when authenticity judge by time the authenticity of loan transaction information verify and pass through, otherwise carry out identifying processing.
In the method, failure handling can be to send blocking processing signal alarm or directly send the instruction of refusal loan.In addition in the method, the material that loan requests object provides refers to the scanned copy of electronic document or relevant certificate, judges that at the material that loan requests object is provided the key message referring in automatic extraction material carries out automatic decision according to the treatment scheme of setting.
In the embodiment of the present invention, also further provide loan transaction information authenticity to verify implement device, as shown in Figure 2, having comprised:
These are only the preferred embodiments of the present invention, be not limited to the present invention, for a person skilled in the art, the present invention can have various modifications and variations.Within the spirit and principles in the present invention all, any modification of doing, be equal to replacement, improvement etc., within all should being included in protection scope of the present invention.
Claims (9)
1. loan transaction information authenticity is verified implementation method, it is characterized in that, comprising:
Determine information verification demand and obtain and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding; Described loan transaction information comprises the electronic scanned document of the testimonial material for apply for loan business that described loan requests object provides;
Judge respectively whether consistent with pre-stored verification message, the described key message of the key message extracting from described electronic scanned document whether and described electronic scanned document consistent with the real information obtaining from auxiliary data interface whether be the scanned copy of true certificate, if the result that any one judges is no, send blocking processing signal alarm.
2. method according to claim 1, is characterized in that, judges that whether the key message extracting from described electronic scanned document is consistent with pre-stored verification message, comprising:
Extract respectively the key message in I.D. scanning electron part, operation license scanning electron part and the property ownership certificate scanning electron part that described loan transaction information comprises, judge that whether the described key message extracting is consistent with the basic verification message of typing in advance, send blocking processing signal alarm if inconsistent.
3. method according to claim 2, is characterized in that, judges that whether described electronic scanned document is the scanned copy of true certificate, comprising:
Identify the true and false of described I.D. scanning electron part, operation license scanning electron part and property ownership certificate scanning electron part, judge when described I.D. scanning electron part or described operation license scanning electron part or described property ownership certificate scanning electron part are forged certificate, send blocking processing signal alarm.
4. method according to claim 1, is characterized in that, the method also comprises:
Verify whether the credit verification message that described loan transaction information comprises meets default loan transaction credit rule, if do not meet, send blocking processing signal alarm;
In the time that described credit verification message meets default loan transaction credit rule, verify whether the loan transaction treatment scheme information that described loan transaction information comprises meets default loan transaction processing requirements, if do not meet, send blocking processing signal alarm.
5. method according to claim 4, is characterized in that, verifies that whether described credit verification message meets default loan transaction credit rule, comprising:
Verify whether described credit verification message meets default mandate enabled condition, if do not meet and send blocking processing signal alarm.
6. method according to claim 5, is characterized in that, verifies that whether described credit verification message meets default mandate enabled condition, comprising:
When loan transaction type is personal loan business, described credit verification message comprises Private Banking's flowing water, and the individual annual income that judges described loan requests object according to described Private Banking flowing water, whether lower than default income threshold value, is if so, sent refusal credit information;
When loan transaction type is enterprise's loan transaction, described credit verification message comprises enterprise financial report, judge that according to described enterprise financial report this enterprise sets continuously time limit income loss or sets continuously time limit net cash flow from operating activities when negative, sends refusal credit information.
7. method according to claim 6, is characterized in that, described credit verification message comprises Mortgage assets information, verifies in described Mortgage assets information whether comprise the property ownership certificate of mortgaging house property, if do not comprise, sends the instruction of refusal loan;
Verify whether the collateral security information that described Mortgage assets information comprises is vehicle, if so, sends and breaks off relations loan instruction.
8. method according to claim 4, is characterized in that, verifies that whether described loan transaction treatment scheme information meets default loan transaction processing requirements, comprising:
Verify respectively the integrality in responsible report and the wind control report that described loan transaction treatment scheme information is included, if the integrality of described responsible report or described wind control report does not meet preset requirement, send blocking processing signal alarm;
Whether the signing messages of the described responsible report that checking is obtained respectively and described wind control report meets the requirement of default signature, if do not meet, sends blocking processing signal alarm.
9. loan transaction information authenticity is verified implement device, it is characterized in that, comprising:
Information acquisition module, for determining information verification demand and obtaining and the corresponding loan transaction information of described information verification demand, the loan transaction type institute that wherein said information verification demand is asked with loan requests object is corresponding; Described loan transaction information comprises the electronic scanned document of the testimonial material for apply for loan business that described loan requests object provides;
Judge module, for judge respectively whether consistent with pre-stored verification message, the described key message of the key message extracting from described electronic scanned document whether and described electronic scanned document consistent with the real information obtaining from auxiliary data interface whether be the scanned copy of true certificate, if the result that any one judges is no, send blocking processing signal alarm.
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Application publication date: 20140507 |