CN108765126A - Identity verify method and device - Google Patents
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- CN108765126A CN108765126A CN201810355701.5A CN201810355701A CN108765126A CN 108765126 A CN108765126 A CN 108765126A CN 201810355701 A CN201810355701 A CN 201810355701A CN 108765126 A CN108765126 A CN 108765126A
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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Abstract
The embodiment of the invention discloses a kind of identity verify method and device, are related to Internet technical field, to solve to improve the verification efficiency for carrying out verification audit to the essential information that loan application people provides in the prior art.The method of the embodiment of the present invention includes：Receiver Problem generates request, wherein described problem generates the essential information for including object to be verified in request；The corresponding multiple problems of the essential information are generated, and search the corresponding model answer of each described problem；When receiving question download request, multiple described problems are subjected to output and are shown；Receive proof of identity request, wherein the answer provided comprising the object to be verified in the proof of identity request；The answer and the model answer are subjected to matching treatment, with the corresponding credit scoring of the determination object to be verified, and the credit scoring is subjected to output and is shown.The embodiment of the present invention is suitably applied verification audit is carried out to the essential information of loan application people during.
Description
Technical field
The present embodiments relate to Internet technical fields, more particularly to a kind of identity verify method and device.
Background technology
With the continuous development of Internet technology, internet finance is also rapidly developed, to be large quantities of urgent needs
The medium-sized and small enterprises of capital turnover and individual provide new financing platform.Loan application people is to internet financial platform Shen
Please financial service when, internet financial platform in order to reduce credit risk, need the essential information that loan application people is provided into
Row verification audit, by judging whether the essential information that loan application people provides is fraud information, to determine whether for Shen of providing a loan
It asks someone the service of offering a loan.
Currently, since record does not have the reference report of medium-sized and small enterprises and individual in the authoritative financial institution such as Central Bank
Accuse and credit scoring, therefore when medium-sized and small enterprises or individual to when internet financial platform application financial service, need to interconnect
Form of the staff of net financial platform based on artificial question and answer carries out verification to the essential information that loan application people provides and examines
Core.
In the implementation of the present invention, following technical problem, internet finance exists in the prior art in inventor
The staff of platform is when the essential information provided loan application people carries out verification audit, it is necessary first to loan application people
The inquiry problem related to the essential information that it is provided, then searches the answer that loan application people provides with self by internet
Rope to model answer compared, so that it is determined that the credit scoring of loan application people.Since staff askes in selection
When the problem of asking and search criterion answer, it is required to take a significant amount of time, it is basic so as to cause providing loan application people
The verification that information carries out verification audit is less efficient.
Invention content
In view of this, the embodiment of the present invention provides a kind of identity verify method and device, main purpose is to improve to borrowing
The essential information that money applicant provides carries out the verification efficiency of verification audit.
To solve the above-mentioned problems, the embodiment of the present invention mainly provides the following technical solutions：
In a first aspect, an embodiment of the present invention provides a kind of proof of identity method, this method includes：
Receiver Problem generates request, wherein described problem generates the essential information for including object to be verified in request；
The corresponding multiple problems of the essential information are generated, and search the corresponding model answer of each described problem；
When receiving question download request, multiple described problems are subjected to output and are shown；
Receive proof of identity request, wherein the answer provided comprising the object to be verified in the proof of identity request；
The answer and the model answer are subjected to matching treatment, commented with the corresponding credit of the determination object to be verified
Point, and the credit scoring is subjected to output and is shown.
Optionally, described to generate the corresponding multiple problems of the essential information, and search the corresponding mark of each described problem
Quasi- answer, including：
The essential information is organized into reference format；
The essential information Jing Guo housekeeping operation is substituted into corresponding default template, is corresponded to generating the essential information
Multiple described problems；
The corresponding model answer of each described problem and/or each described problem of on-line search are searched in local knowledge base
Corresponding model answer.
Optionally, the corresponding multiple problems of the essential information are generated described, and it is corresponding to search each described problem
Before model answer, the method further includes：
The corresponding unique identity of the essential information is generated, and the unique identity is subjected to output and is shown.
Optionally, the corresponding multiple problems of the essential information are generated described, and it is corresponding to search each described problem
After model answer, the method further includes：
To the inefficiency in multiple described problems and the invalid answer in the corresponding model answer of each described problem
Carry out delete processing；
By the multiple described problems and the corresponding model answer of each described problem and unique body Jing Guo delete processing
Mapping relations between part mark are cached in database.
Optionally, it includes the unique identity that described problem, which is downloaded in request,；It is described to ask when receiving question download
When asking, multiple described problems are subjected to output and are shown, including：
When receiving described problem download request, it is corresponding more that the unique identity is searched in the database
A described problem, and multiple described problems are subjected to output and are shown.
Optionally, also include the unique identity in the proof of identity request；It is described by the answer with it is described
Model answer carries out matching treatment, with the corresponding credit scoring of the determination object to be verified, including：
The corresponding model answer of the unique identity is searched in the database；
The answer and the model answer are subjected to fuzzy matching processing by natural language processing technique, to determine
State the corresponding credit scoring of object to be verified.
Optionally, it also includes authentication information that described problem, which generates in request,；Request is generated in the Receiver Problem
Afterwards, the method further includes：
Authentication process is carried out to the authentication information；
Upon successful authentication, into the corresponding multiple problems of the generation essential information, and each described problem pair is searched
The step of model answer answered.
Optionally, the method further includes：
It is defeated when receiving question download request if not yet generating the corresponding multiple described problems of the essential information
Go out not yet to generate the prompt message of problem set.
Second aspect, the embodiment of the present invention also provide a kind of identity verification device, which includes：
First receiving unit generates request for Receiver Problem, wherein described problem generates in request comprising to be verified right
The essential information of elephant；
First generation unit, for generating, the essential information that first receiving unit receives is corresponding multiple to ask
Topic, and search the corresponding model answer of each described problem；
First output unit, for when receiving question download request, first generation unit being generated multiple
Described problem carries out output and shows；
Second receiving unit, for receiving proof of identity request, wherein wait for school comprising described in the proof of identity request
The answer of object offer is provided；
Determination unit, the answer for receiving second receiving unit are carried out with the model answer at matching
Reason, with the corresponding credit scoring of the determination object to be verified；
Second output unit, the credit scoring for determining the determination unit carry out output and show.
Optionally, first generation unit includes：
Sorting module, for the essential information to be organized into reference format；
Generation module substitutes into corresponding default template for that will pass through the essential information that the sorting module arranges,
To generate the corresponding multiple described problems of the essential information；
First searching module is corresponded to for searching each described problem that the generation module generates in local knowledge base
Model answer；
Search module, the corresponding model answer of each described problem generated for generation module described in on-line search.
Optionally, described device further includes：
Second generation unit, for generating the corresponding multiple problems of the essential information in first generation unit, and
Before searching the corresponding model answer of each described problem, the corresponding unique identity of the essential information is generated；
Third output unit, it is aobvious that the unique identity for generating second generation unit carries out output
Show.
Optionally, described device further includes：
Deleting unit for generating the corresponding multiple problems of the essential information in first generation unit, and is searched
After the corresponding model answer of each described problem, to the inefficiency and each described problem correspondence in multiple described problems
Model answer in invalid answer carry out delete processing；
Buffer unit is used for multiple described problems Jing Guo the deleting unit delete processing and each described problem pair
Mapping relations between the model answer answered and the unique identity are cached in database.
Optionally, it includes the unique identity that described problem, which is downloaded in request,；First output unit includes：
Second searching module, for when receive described problem download request when, in the database search described in only
The corresponding multiple described problems of one identity；
Output module, multiple described problems for searching second searching module carry out output and show.
Optionally, also include the unique identity in the proof of identity request；The determination unit includes：
Third searching module is answered for searching the corresponding standard of the unique identity in the database
Case；
Determining module, the institute for being searched the answer and the third searching module by natural language processing technique
It states model answer and carries out fuzzy matching processing, with the corresponding credit scoring of the determination object to be verified.
Optionally, it also includes authentication information that described problem, which generates in request,；Described device further includes：
Authenticating unit believes the authentication after generating request in the first receiving unit Receiver Problem
Breath carries out authentication process；
First generation unit is specifically used for when the authenticating unit authenticates successfully, generates the essential information pair
The multiple problems answered, and search the corresponding model answer of each described problem.
Optionally, described device further includes：
4th output unit for ought not yet generate the corresponding multiple described problems of the essential information, and is received and is asked
When topic downloads request, output not yet generates the prompt message of problem set.
To achieve the goals above, according to a third aspect of the embodiments of the present invention, a kind of storage medium is provided, it is described to deposit
Storage media includes the program of storage, wherein equipment where controlling the storage medium when described program is run executes above-mentioned institute
The proof of identity method stated.
To achieve the goals above, according to a fourth aspect of the embodiments of the present invention, a kind of processor, the processing are provided
Device is for running program, wherein described program executes proof of identity method described above when running.
By above-mentioned technical proposal, technical solution provided in an embodiment of the present invention at least has following advantages：
A kind of identity verify method and device provided in an embodiment of the present invention, in the prior art when loan application people to
When internet financial platform application financial service, need the staff of internet financial platform according to the base of loan application people
This information selects the problem of being inquired to it, the corresponding model answer of each problem of search, and is answered what loan application people provided
The answer that case is searched with itself is compared, and determines that the credit scoring of loan application people is compared, and the embodiment of the present invention can be
After the problem of staff that server receives internet financial platform is sent by terminal device generates request, asked according to this
Topic generates the essential information of the object to be verified (i.e. loan application people) carried in request, generates its corresponding multiple problem, and
The corresponding model answer of each problem is searched respectively；When server receives the problem of staff is sent by terminal device
It when downloading request, multiple problems of generation is sent to the terminal device carries out output and show, so that the staff waits for this
Verification object inquires the corresponding multiple problems of its essential information；Pass through terminal device when server receives the staff again
When the proof of identity request of transmission, the answer that the object to be verified carried in the authentication request provides is obtained with lookup
Model answer carry out matching treatment, to determine the corresponding credit scoring of the object to be verified, and determining credit scoring is sent out
It gives the terminal device and carries out output and show, so that the staff knows the corresponding credit scoring of the object to be verified.Due to,
After the essential information of object to be verified is sent to server by staff, server just can generate the object to be verified to be believed substantially
Corresponding multiple problems are ceased, and search the corresponding model answer of each problem respectively；Object to be verified is carried in staff
After the answer of confession is sent to server, the answer which provides just can be carried out matching ratio by server with model answer
It is right, it determines the corresponding credit scoring of the object to be verified, without staff's select permeability, searches answer and determine letter
With scoring, the plenty of time is saved, and then improves the verification for carrying out verification audit to the essential information that loan application people provides
Efficiency.
Above description is only the general introduction of technical solution of the present invention, in order to better understand the technical means of the present invention,
And can be implemented in accordance with the contents of the specification, and in order to allow above and other objects of the present invention, feature and advantage can
It is clearer and more comprehensible, below the special specific implementation mode for lifting the present invention.
Description of the drawings
By reading the detailed description of hereafter preferred embodiment, various other advantages and benefit are common for this field
Technical staff will become clear.Attached drawing only for the purpose of illustrating preferred embodiments, and is not considered as to the present invention
Limitation.And throughout the drawings, the same reference numbers will be used to refer to the same parts.In the accompanying drawings：
Fig. 1 shows a kind of proof of identity method flow diagram provided in an embodiment of the present invention；
Fig. 2 shows another proof of identity method flow diagrams provided in an embodiment of the present invention；
Fig. 3 shows a kind of composition frame chart of identity verification device provided in an embodiment of the present invention；
Fig. 4 shows the composition frame chart of another identity verification device provided in an embodiment of the present invention.
Specific implementation mode
Exemplary embodiment of the present invention is more fully described below with reference to accompanying drawings.Although showing the present invention in attached drawing
Exemplary embodiment, it being understood, however, that may be realized in various forms the present invention without should be by embodiments set forth here
It is limited.It is to be able to be best understood from the present invention on the contrary, providing these embodiments, and can be by the scope of the present invention
Completely it is communicated to those skilled in the art.
An embodiment of the present invention provides a kind of proof of identity methods, as shown in Figure 1, this method is received in server waits for school
After testing the essential information of object, its corresponding multiple problem is generated, and search the corresponding model answer of each problem respectively；Work as clothes
When business device receives question download request, multiple problems of generation are subjected to output and are shown；When to receive this to be verified for server
When the answer that object provides, the answer which provides is subjected to matching treatment with the answer found, to determine that this is waited for
The corresponding credit scoring of object is verified, the verification effect for carrying out verification audit to the essential information that loan application people provides is improved
Rate, this method include：
101, Receiver Problem generates request.
Wherein, problem generates the essential information for including object to be verified in request, and object to be verified is to internet finance
The loan application people of platform application financial service；The essential information of object to be verified includes but not limited to：The surname of object to be verified
Name, home address, occupation, work unit, business address etc..
In embodiments of the present invention, the staff of internet financial platform is in the basic letter for acquiring object to be verified
After breath, the problem of carrying the object essential information to be verified can be sent to server by terminal device and generate request, at this point,
Server will receive the problem and generate request, to acquire the essential information of the object to be verified.
102, the corresponding multiple problems of essential information are generated, and search the corresponding model answer of each problem.
In embodiments of the present invention, server receives in process step 101 and carries object essential information to be verified
After problem generates request, according to the essential information acquired, its corresponding multiple problem is generated, and search each problem respectively
Corresponding model answer.It needs to illustrate, the corresponding multiple problems of object essential information to be verified that server generates
Including but not limited to：Auxiliary facility (hospital, school, bank etc.), the object job note to be verified on object house to be verified periphery
It is the recent weather condition in city where the position auxiliary facility (hospital, school, bank etc.) on periphery, object to be verified, to be verified right
The problem of fields such as the area code as place city.
Specifically, in this step, server can be by substituting into corresponding default mould by the essential information acquired
Mode in plate generates the corresponding multiple problems of the essential information；Can by the authoritative information being locally stored search and/
Or the mode of on-line search, the corresponding model answer of each problem is searched, but not limited to this.
103, when receiving question download request, multiple problems is subjected to output and are shown.
In embodiments of the present invention, it when server, which receives the problem of aforementioned terminals equipment is sent, downloads request, will walk
The rapid 102 multiple problems generated, which are sent to the terminal device and carry out output, to be shown, so that staff inquires to object to be verified
The corresponding multiple problems of its essential information.
104, proof of identity request is received.
Wherein, the answer provided comprising object to be verified in proof of identity request.
In embodiments of the present invention, the corresponding multiple problems of object essential information to be verified are sent in server aforementioned
Terminal device carries out after output shows, staff will inquire that its essential information is corresponding to the object to be verified and multiple ask
Topic, to obtain the answer of verification object offer, the staff is after acquiring the answer that the object to be verified provides, meeting
The proof of identity request for carrying the answer that the object to be verified provides is sent to server by terminal device, at this point, service
Device will receive proof of identity request, to acquire the answer that the object to be verified provides.
105, answer and model answer are subjected to matching treatment, with the corresponding credit scoring of determination object to be verified, and will
Credit scoring carries out output and shows.
In embodiments of the present invention, server is asked in the proof of identity for receiving the answer for carrying object offer to be verified
After asking, answer and step 102 which provides are searched into obtained model answer and carry out matching treatment, is somebody's turn to do with determining
The corresponding credit scoring of object to be verified, and determining information scoring is sent to aforementioned terminals equipment carries out output and show, with
Just staff knows the corresponding credit scoring of the object to be verified, and is determined according to the corresponding credit scoring of the object to be verified
Whether it is the object to be verified service of offering a loan.
Specifically, in this step, server can be carried out by the answer for providing object to be verified with model answer
Matching compares, and determines the mode of matching rate between the two, the corresponding credit scoring of the object to be verified is determined, for example, working as credit
Scoring full marks are 100 timesharing, can be true if the matching rate between answer and model answer that object to be verified provides is 60%
The corresponding credit scoring of the fixed object to be verified is 60 points；If the matching between answer and model answer that object to be verified provides
Rate is 80%, then can determine that the corresponding credit scoring of the object to be verified is 80 points, but not limited to this.
A kind of proof of identity method provided in an embodiment of the present invention, and in the prior art when loan application people is to internet
When financial platform application financial service, need the staff of internet financial platform according to the essential information of loan application people
Select the problem of being inquired to it, the corresponding model answer of each problem of search, and the answer that loan application people is provided and oneself
The answer that body searches is compared, and determines that the credit scoring of loan application people is compared, the embodiment of the present invention can be in server
It receives after generating request the problem of the staff of internet financial platform is sent by terminal device, is generated according to the problem
The essential information of the object to be verified (i.e. loan application people) carried in request generates its corresponding multiple problem, and looks into respectively
Look for the corresponding model answer of each problem；It is asked when server receives the problem of staff is sent by terminal device download
It when asking, multiple problems of generation is sent to the terminal device carries out output and show, so that the staff is to be verified right to this
As inquiring the corresponding multiple problems of its essential information；When server receives what the staff was sent by terminal device again
When proof of identity is asked, by the answer that the object to be verified carried in the authentication request provides and the standard that lookup obtains
Answer carries out matching treatment, to determine the corresponding credit scoring of the object to be verified, and determining credit scoring is sent to this
Terminal device carries out output and shows, so that the staff knows the corresponding credit scoring of the object to be verified.Since work people
After the essential information of object to be verified is sent to server by member, server just can generate the object essential information to be verified and correspond to
Multiple problems, and search the corresponding model answer of each problem respectively；It is answered what object to be verified provided in staff
After case is sent to server, the answer which provides just can match comparing by server with model answer, really
The corresponding credit scoring of the fixed object to be verified, without staff's select permeability, searches answer and determines that credit is commented
Point, the plenty of time is saved, and then improve the verification efficiency that verification audit is carried out to the essential information that loan application people provides.
Below in order to be explained in more detail, an embodiment of the present invention provides another proof of identity methods, especially take
The corresponding multiple problems of device generation object essential information to be verified of being engaged in, and search the specific side of the corresponding model answer of each problem
The answer that method and server provide object to be verified carries out matching treatment with model answer, is corresponded to determination object to be verified
Credit scoring specific method, specifically as shown in Fig. 2, this method includes：
201, Receiver Problem generates request.
Wherein, request is generated about step 201, Receiver Problem, can be with the description of 1 corresponding part of reference chart, the present invention is real
Example is applied to will not be described in great detail herein.
202, authentication process is carried out to authentication information.
In embodiments of the present invention, the problem of staff is sent by terminal device to server generates can also in request
The authentication information of the staff is carried, server needs to ask problem generation to ensure the network security of itself
Authentication information in asking carries out authentication process, only when server authenticates successfully the authentication information, server
The problem can just be responded and generate request.
Specifically, in this step, server can be divided by the terminal device that OAuth2 agreements are each staff
With a security token, when server determines that the problem of terminal device is sent generates the peace comprising server for its distribution in request
When full token, i.e. server authenticate successfully to the authentication information (security token) in problem generation request, server is rung
Request should be generated the problem of terminal device transmission；A permissions list, the permissions list can also be locally located in server
In be stored with the user name of each staff and corresponding password, when server determine terminal device send the problem of give birth to
It is present in permissions list at the username and password for including in request, i.e., server generates the identity in request to the problem and tests
When card information (username and password) is authenticated successfully, server responds the problem of terminal device is sent and generates request, but unlimited
In this.
203, upon successful authentication, the corresponding unique identity of essential information is generated, and unique identity is carried out
Output display.
In embodiments of the present invention, when server generates the authentication information in request to problem to be authenticated successfully, clothes
Device of being engaged in generates the corresponding unique identity of object essential information to be verified, and the unique identity of generation is sent to aforementioned
Terminal device carries out output and shows, so that follow-up work personnel ask this to be verified right using the unique identity to server
As the corresponding multiple problems of essential information.
Specifically, in this step, server can (Universally Unique Identifier lead to by UUID
With unique identifier) the corresponding unique identity of technology generation object essential information to be verified, so as to ensure generation
The uniqueness of unique identity, but not limited to this.
204, the corresponding multiple problems of essential information are generated, and search the corresponding model answer of each problem.
In embodiments of the present invention, server is defeated by the corresponding unique identity progress of object essential information to be verified
While going out to show, the corresponding multiple problems of the object essential information to be verified are generated, and it is corresponding to search each problem respectively
Model answer.The corresponding multiple problems of object essential information to be verified how will be generated to server below, and will be searched respectively every
The corresponding model answer of a problem is described in detail.
(1) essential information is organized into reference format.
In embodiments of the present invention, since different problems generate the format for the object essential information to be verified for including in request
There may be differences, therefore server needs to wait for school before generating the corresponding multiple problems of object essential information to be verified
The essential information for testing object is organized into reference format.
Specifically, in this step, for the address information for including in object essential information to be verified, server can
Address information is organized into reference format by fuzzy address analytic technique, for example, the business address of object to be verified
For：Beijing Haidian Suzhou street 3, server can be by fuzzy address analytic techniques by the work unit of the object to be verified
Location is organized into reference format：Suzhou Street, Haidian District, Beijing City 3, but not limited to this.
(2) essential information Jing Guo housekeeping operation is substituted into corresponding default template, it is corresponding more to generate essential information
A problem.
Wherein, it is that the template of server local is pre-set at using self-defined template language to preset template.
In embodiments of the present invention, server, will after the essential information of object to be verified is organized into reference format
The essential information of object to be verified after housekeeping operation substitutes into corresponding default template, to generate essential information correspondence
Multiple problems.
For the embodiment of the present invention, concrete application scene can be as follows, but not limited to this including：
The problem of server receives generates the essential information for including object X to be verified in request a：(1) professional, accounting；
(2) city where, Beijing (3) business address, Beijing Haidian Suzhou street 3, server is by the basic letter of object X to be verified
Breath is organized into reference format：(1) professional, accounting；(2) city where, Beijing (3) business address, Haidian District, Beijing City
Suzhou street 3.Wherein, the default template for being set in advance in server local is：(1) template A is preset, object occupation to be verified
Which subject qualifying examination includes；(2) template B is preset, the area code in city is how many where object to be verified；(3) it presets
Template C has which subway station and which subway line to pass through the subway around object work unit to be verified in two kilometers
It stands, after server, which substitutes into the essential information (1) of object X to be verified, presets template A, generates problem 1：The qualifying examination of accounting
Including which subject；After server, which substitutes into the essential information (2) of object X to be verified, presets template B, problem 2 is generated：Beijing
The area code in city is how many；After server, which substitutes into the essential information (3) of object X to be verified, presets template C, problem is generated
3：There are which subway station and which subway line to pass through the subway station in two kilometers around Suzhou Street, Haidian District, Beijing City 3.
(3) the corresponding model answer of each problem is searched in local knowledge base and/or each problem of on-line search corresponds to
Model answer.
In embodiments of the present invention, server is after generating the corresponding multiple problems of object essential information to be verified,
The corresponding model answer of each problem and/or the corresponding model answer of each problem of on-line search are searched in local knowledge base,
In, the authoritative information such as administrative division, area code is stored in server local knowledge base.
205, the inefficiency in multiple problems and the invalid answer in the corresponding model answer of each problem are carried out
Delete processing.
In embodiments of the present invention, the model answer obtained for the validity and lookup that ensure the multiple problems generated
Validity, server is generating the corresponding multiple problems of object essential information to be verified, and it is corresponding to search each problem respectively
After model answer, delete processing is carried out to the inefficiency in multiple problems of generation and the corresponding standard of each problem is answered
Invalid answer in case carries out delete processing.
Specifically, in this step, server can be determined as inefficiency, example by searching less than the problem of model answer
Such as, the problem of server generates 5 be：There is which shopping plaza in two kilometer ranges of address X, due in two kilometer ranges of address X
And shopping plaza is not present, therefore server can not be searched to obtain 5 corresponding model answer of problem, to which server can incite somebody to action
Problem 5 is determined as inefficiency, and carries out delete processing to it；Server can be by the standard smaller with problem business correlation
Answer is determined as invalid answer, for example, the problem of server generates 7 is：There is which bank in two kilometer ranges of address Y？Service
Device on-line search to model answer be：Bank A, bank B and Automatic Teller Machine C, for " Automatic Teller Machine C ",
It is smaller with the business correlation of problem 7, to which " the Automatic Teller Machine C " in model answer can be determined as answering in vain by server
Case, and delete processing is carried out to it, but not limited to this.
206, by Jing Guo delete processing multiple problems and the corresponding model answer of each problem and unique identity it
Between mapping relations be cached in database.
In embodiments of the present invention, inefficiency and each problem of the server in multiple problems to generation are corresponding
After invalid answer in model answer carries out delete processing, by the multiple problems and the corresponding mark of each problem Jing Guo delete processing
The mapping relations generated in quasi- answer and step 203 between unique identity are cached in database, so as to subsequent server
It can in the database be searched by unique identity and obtain its corresponding multiple problem.
It needs to illustrate, in actual application, in order to save the storage resource of database, server can be with
According to the data cached in predetermined period periodic cleaning database, wherein predetermined period can be, but not limited to for：Week, ten days, moon etc.
Deng.
207, when receiving question download request, the corresponding multiple problems of unique identity are searched in the database,
And multiple problems are subjected to output and are shown.
In embodiments of the present invention, when staff carries unique identity by terminal device to server transmission
The problem of download request when, server receive the question download request after, the unique identities will be searched in the database
It identifies corresponding multiple problems, and obtained multiple problems will be searched be sent to the terminal device and carry out output and show, so as to this
Staff inquires the corresponding multiple problems of its essential information to object to be verified.
It needs to illustrate, in actual application, staff is sent by terminal device to server
The authentication information of the staff can also be carried in question download request, server is in order to ensure the network peace of itself
Entirely, the authentication information in asking question download is needed to carry out authentication process, only when server believes the authentication
When breath is authenticated successfully, server can just respond question download request.Wherein, how question download is asked about service implement body
Authentication information in asking carries out authentication process, can refer to the description of corresponding part in step 202, the embodiment of the present invention this
Place will not be described in great detail.
208, proof of identity request is received.
Wherein, can be with the description of 1 corresponding part of reference chart about step 208, reception proof of identity request, the present invention is real
Example is applied to will not be described in great detail herein.
209, answer and model answer are subjected to matching treatment, with the corresponding credit scoring of determination object to be verified.
In embodiments of the present invention, it is carried when staff carries object to be verified by terminal device to server transmission
When the proof of identity request of the answer of confession, server will carry the object to be verified after receiving proof of identity request
The answer of confession searches obtained model answer with itself and carries out matching treatment, to determine the credit scoring of the object to be verified.With
It is lower by server, how the answer for providing object to be verified and model answer carry out matching treatment, to determine that this is to be verified right
As corresponding credit scoring is described in detail.
(1) the corresponding model answer of unique identity is searched in the database.
In embodiments of the present invention, can also in the proof of identity request that staff is sent by terminal device to server
The corresponding unique identity of object essential information to be verified is carried, server is after receiving proof of identity request, just
The corresponding model answer of the unique identity can be searched in the database.
(2) answer and model answer are carried out by fuzzy matching processing by natural language processing technique, it is to be verified with determination
The corresponding credit scoring of object.
In embodiments of the present invention, server is after lookup obtains the corresponding model answer of each problem, first, by certainly
Right language processing techniques extract the core information in the answer that object to be verified provides；Then, pass through natural language processing technique
The model answer that the core information of extraction and lookup are obtained carries out fuzzy matching processing, with the corresponding letter of determination object to be verified
With scoring.Since server is that the answer for being provided object to be verified by natural language processing technique is carried out with model answer
Fuzzy matching is handled, and therefore, the answer that object to be verified provides is without identical with model answer, for example, whois lookup
Obtained model answer be " mansions A ", and object to be verified provide answer be " buildings A ", server by natural language at
The two can be determined as same content by reason technology, to which server is provided object to be verified by natural language processing technique
Answer and model answer carry out fuzzy matching processing, can improve and determine the accurate of the corresponding credit scoring of object to be verified
Property.
It needs to illustrate, in actual application, staff is sent by terminal device to server
The authentication information of the staff can also be carried in proof of identity request, server is in order to ensure the network peace of itself
Entirely, the authentication information in asking proof of identity is needed to carry out authentication process, only when server believes the authentication
When breath is authenticated successfully, server can just respond proof of identity request.Wherein, how proof of identity is asked about service implement body
Authentication information in asking carries out authentication process, can refer to the description of corresponding part in step 202, the embodiment of the present invention this
Place will not be described in great detail.
210, credit scoring output is carried out to show.
Wherein, output is carried out about step 210, by credit scoring to show, can be with the description of 1 corresponding part of reference chart, this
Inventive embodiments will not be described in great detail herein.
Further, the method further includes：If not yet generating the corresponding multiple problems of essential information, asked when receiving
When topic downloads request, output not yet generates the prompt message of problem set.In embodiments of the present invention, if server is not yet raw
At the corresponding multiple problems of object essential information to be verified, then when server receives what staff was sent by terminal device
When question download is asked, carrying for the corresponding problem set of object essential information to be verified is not yet generated to terminal device output
Show information, to avoid the meaningless waiting of the staff.
To achieve the goals above, according to another aspect of the present invention, the embodiment of the present invention additionally provides a kind of storage Jie
Matter, the storage medium include the program of storage, wherein equipment where controlling the storage medium when described program is run is held
Row proof of identity method described above.
To achieve the goals above, according to another aspect of the present invention, the embodiment of the present invention additionally provides a kind of processor,
The processor is for running program, wherein described program executes proof of identity method described above when running.
Further, as the realization to method shown in above-mentioned Fig. 1 and Fig. 2, another embodiment of the present invention additionally provides one
Kind identity verification device.The device embodiment is corresponding with preceding method embodiment, and for ease of reading, present apparatus embodiment is no longer right
Detail content in preceding method embodiment is repeated one by one, it should be understood that the device in the present embodiment can correspond to reality
Full content in existing preceding method embodiment.The device is applied to the essential information that raising provides loan application people and carries out school
The verification efficiency of audit is tested, specifically as shown in figure 3, the device includes：
First receiving unit 31 generates request for Receiver Problem, wherein described problem generates in request comprising to be verified
The essential information of object；
First generation unit 32, it is corresponding multiple for generating the essential information that first receiving unit 31 receives
Problem, and search the corresponding model answer of each described problem；
First output unit 33, for when receiving question download request, first generation unit 32 to be generated
Multiple described problems carry out output and show；
Second receiving unit 34, for receiving proof of identity request, wherein waited for comprising described in the proof of identity request
Verify the answer that object provides；
Determination unit 35, the answer for receiving second receiving unit 34 and model answer progress
With processing, with the corresponding credit scoring of the determination object to be verified；
Second output unit 36, the credit scoring for determining the determination unit 35 carry out output and show.
Further, as shown in figure 4, first generation unit 32 includes：
Sorting module 321, for the essential information to be organized into reference format；
Generation module 322 substitutes into corresponding preset for that will pass through the essential information that the sorting module 321 arranges
Template, to generate the corresponding multiple described problems of the essential information；
First searching module 323, for being searched in local knowledge base, each of generation of the generation module 322 is described to ask
Inscribe corresponding model answer；
Search module 324, the corresponding standard of each described problem generated for generation module described in on-line search 322 are answered
Case.
Further, as shown in figure 4, described device further includes：
Second generation unit 37, for being generated in first generation unit 32, the essential information is corresponding multiple to ask
Topic, and before searching the corresponding model answer of each described problem, generate the corresponding unique identity of the essential information；
Third output unit 38, the unique identity for generating second generation unit 37 export
Display.
Further, as shown in figure 4, described device further includes：
Deleting unit 39, for generating the corresponding multiple problems of the essential information in first generation unit 32, and
After searching the corresponding model answer of each described problem, by multiple described problems inefficiency and each described problem
Invalid answer in corresponding model answer carries out delete processing；
Buffer unit 310, for by multiple described problems Jing Guo 39 delete processing of the deleting unit and each described
Mapping relations between the corresponding model answer of problem and the unique identity are cached in database.
Further, as shown in figure 4, it includes the unique identity that described problem, which is downloaded in request,；Described first is defeated
Going out unit 33 includes：
Second searching module 331, described in when receiving described problem download request, searching in the database
The corresponding multiple described problems of unique identity；
Output module 332, multiple described problems for searching second searching module 331 carry out output and show.
Further, as shown in figure 4, also including the unique identity in proof of identity request；The determination
Unit 35 includes：
Third searching module 351, for searching the corresponding standard of the unique identity in the database
Answer；
Determining module 352 looks into the answer and the third searching module 351 for passing through natural language processing technique
The model answer looked for carries out fuzzy matching processing, with the corresponding credit scoring of the determination object to be verified.
Further, as shown in figure 4, it also includes authentication information that described problem, which generates in request,；Described device is also wrapped
It includes：
Authenticating unit 311 tests the identity after generating request in 31 Receiver Problem of the first receiving unit
It demonstrate,proves information and carries out authentication process；
First generation unit 32 is specifically used for when the authenticating unit 311 authenticates successfully, generates the basic letter
Corresponding multiple problems are ceased, and search the corresponding model answer of each described problem.
Further, as shown in figure 4, described device further includes：
4th output unit 312 for ought not yet generate the corresponding multiple described problems of the essential information, and receives
When question download is asked, output not yet generates the prompt message of problem set.
A kind of identity verify method and device provided in an embodiment of the present invention, in the prior art when loan application people to
When internet financial platform application financial service, need the staff of internet financial platform according to the base of loan application people
This information selects the problem of being inquired to it, the corresponding model answer of each problem of search, and is answered what loan application people provided
The answer that case is searched with itself is compared, and determines that the credit scoring of loan application people is compared, and the embodiment of the present invention can be
After the problem of staff that server receives internet financial platform is sent by terminal device generates request, asked according to this
Topic generates the essential information of the object to be verified (i.e. loan application people) carried in request, generates its corresponding multiple problem, and
The corresponding model answer of each problem is searched respectively；When server receives the problem of staff is sent by terminal device
It when downloading request, multiple problems of generation is sent to the terminal device carries out output and show, so that the staff waits for this
Verification object inquires the corresponding multiple problems of its essential information；Pass through terminal device when server receives the staff again
When the proof of identity request of transmission, the answer that the object to be verified carried in the authentication request provides is obtained with lookup
Model answer carry out matching treatment, to determine the corresponding credit scoring of the object to be verified, and determining credit scoring is sent out
It gives the terminal device and carries out output and show, so that the staff knows the corresponding credit scoring of the object to be verified.Due to,
After the essential information of object to be verified is sent to server by staff, server just can generate the object to be verified to be believed substantially
Corresponding multiple problems are ceased, and search the corresponding model answer of each problem respectively；Object to be verified is carried in staff
After the answer of confession is sent to server, the answer which provides just can be carried out matching ratio by server with model answer
It is right, it determines the corresponding credit scoring of the object to be verified, without staff's select permeability, searches answer and determine letter
With scoring, the plenty of time is saved, and then improves the verification for carrying out verification audit to the essential information that loan application people provides
Efficiency；In addition, the embodiment of the present invention can also make server to the authentication information that includes in the request of data that receives into
Row authentication process, only when server authenticates successfully the authentication information in request of data, server can just respond this
Request of data thereby may be ensured that the network security of server.
The wearable device includes processor and memory, above-mentioned first receiving unit, the first generation unit, first defeated
Go out unit, the second receiving unit, determination unit and second output unit etc. and is used as program unit storage in memory, by
Reason device executes above procedure unit stored in memory to realize corresponding function.
Include kernel in processor, is gone in memory to transfer corresponding program unit by kernel.Kernel can be arranged one
Or more, by adjusting kernel parameter come improve to the essential information that loan application people provides carry out verification audit verification effect
Rate.
Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/
Or the forms such as Nonvolatile memory, if read-only memory (ROM) or flash memory (flash RAM), memory include at least one deposit
Store up chip.
An embodiment of the present invention provides a kind of storage mediums, are stored thereon with program, real when which is executed by processor
Proof of identity method described in any one of existing above example.
An embodiment of the present invention provides a kind of processor, the processor is for running program, wherein described program is run
Proof of identity method described in any one of Shi Zhihang above example.
An embodiment of the present invention provides a kind of equipment, equipment include processor, memory and storage on a memory and can
The program run on a processor, processor realize following steps when executing program：
Receiver Problem generates request, wherein described problem generates the essential information for including object to be verified in request；
The corresponding multiple problems of the essential information are generated, and search the corresponding model answer of each described problem；
When receiving question download request, multiple described problems are subjected to output and are shown；
Receive proof of identity request, wherein the answer provided comprising the object to be verified in the proof of identity request；
The answer and the model answer are subjected to matching treatment, commented with the corresponding credit of the determination object to be verified
Point, and the credit scoring is subjected to output and is shown.
Further, described to generate the corresponding multiple problems of the essential information, and it is corresponding to search each described problem
Model answer, including：
The essential information is organized into reference format；
The essential information Jing Guo housekeeping operation is substituted into corresponding default template, is corresponded to generating the essential information
Multiple described problems；
The corresponding model answer of each described problem and/or each described problem of on-line search are searched in local knowledge base
Corresponding model answer.
Further, the corresponding multiple problems of the essential information are generated described, and searches each described problem and corresponds to
Model answer before, the method further includes：
The corresponding unique identity of the essential information is generated, and the unique identity is subjected to output and is shown.
Further, the corresponding multiple problems of the essential information are generated described, and searches each described problem and corresponds to
Model answer after, the method further includes：
To the inefficiency in multiple described problems and the invalid answer in the corresponding model answer of each described problem
Carry out delete processing；
By the multiple described problems and the corresponding model answer of each described problem and unique body Jing Guo delete processing
Mapping relations between part mark are cached in database.
Further, it includes the unique identity that described problem, which is downloaded in request,；It is described to receive question download
When request, multiple described problems are subjected to output and are shown, including：
When receiving described problem download request, it is corresponding more that the unique identity is searched in the database
A described problem, and multiple described problems are subjected to output and are shown.
Further, also include the unique identity in the proof of identity request；It is described by the answer and institute
It states model answer and carries out matching treatment, with the corresponding credit scoring of the determination object to be verified, including：
The corresponding model answer of the unique identity is searched in the database；
The answer and the model answer are subjected to fuzzy matching processing by natural language processing technique, to determine
State the corresponding credit scoring of object to be verified.
Further, it also includes authentication information that described problem, which generates in request,；It generates and asks in the Receiver Problem
Later, the method further includes：
Authentication process is carried out to the authentication information；
Upon successful authentication, into the corresponding multiple problems of the generation essential information, and each described problem pair is searched
The step of model answer answered.
Further, the method further includes：
It is defeated when receiving question download request if not yet generating the corresponding multiple described problems of the essential information
Go out not yet to generate the prompt message of problem set.
Terminal device herein can be server, PC, PAD, mobile phone etc..
Present invention also provides a kind of computer program products, when being executed on data processing equipment, are adapted for carrying out just
The program code of beginningization there are as below methods step：Receiver Problem generates request, wherein it includes to wait for school that described problem, which generates in request,
Test the essential information of object；The corresponding multiple problems of the essential information are generated, and search the corresponding standard of each described problem
Answer；When receiving question download request, multiple described problems are subjected to output and are shown；Receive proof of identity request, wherein
The answer provided comprising the object to be verified in the proof of identity request；By the answer and model answer progress
With processing, with the corresponding credit scoring of the determination object to be verified, and the credit scoring is subjected to output and is shown.
It should be understood by those skilled in the art that, embodiments herein can be provided as method, system or computer program
Product.Therefore, complete hardware embodiment, complete software embodiment or reality combining software and hardware aspects can be used in the application
Apply the form of example.Moreover, the application can be used in one or more wherein include computer usable program code computer
The computer program production implemented in usable storage medium (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
The form of product.
The application is with reference to method, the flow of equipment (system) and computer program product according to the embodiment of the present application
Figure and/or block diagram describe.It should be understood that can be realized by computer program instructions every first-class in flowchart and/or the block diagram
The combination of flow and/or box in journey and/or box and flowchart and/or the block diagram.These computer programs can be provided
Instruct the processor of all-purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices to produce
A raw machine so that the instruction executed by computer or the processor of other programmable data processing devices is generated for real
The device for the function of being specified in present one flow of flow chart or one box of multiple flows and/or block diagram or multiple boxes.
These computer program instructions, which may also be stored in, can guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works so that instruction generation stored in the computer readable memory includes referring to
Enable the manufacture of device, the command device realize in one flow of flow chart or multiple flows and/or one box of block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device so that count
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, in computer or
The instruction executed on other programmable devices is provided for realizing in one flow of flow chart or multiple flows and/or block diagram one
The step of function of being specified in a box or multiple boxes.
In a typical configuration, computing device includes one or more processors (CPU), input/output interface, net
Network interface and memory.
Memory may include computer-readable medium in volatile memory, random access memory (RAM) and/
Or the forms such as Nonvolatile memory, such as read-only memory (ROM) or flash memory (flash RAM).Memory is computer-readable Jie
The example of matter.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology realizes information storage.Information can be computer-readable instruction, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase transition internal memory (PRAM), static RAM (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), fast flash memory bank or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storages, magnetic tape cassette, tape magnetic disk storage or other magnetic storage apparatus
Or any other non-transmission medium, it can be used for storage and can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as data-signal and carrier wave of modulation.
It should also be noted that, the terms "include", "comprise" or its any other variant are intended to nonexcludability
Including so that process, method, commodity or equipment including a series of elements include not only those elements, but also wrap
Include other elements that are not explicitly listed, or further include for this process, method, commodity or equipment intrinsic want
Element.In the absence of more restrictions, the element limited by sentence "including a ...", it is not excluded that including element
There is also other identical elements in process, method, commodity or equipment.
It will be understood by those skilled in the art that embodiments herein can be provided as method, system or computer program product.
Therefore, complete hardware embodiment, complete software embodiment or embodiment combining software and hardware aspects can be used in the application
Form.It is deposited moreover, the application can be used to can be used in the computer that one or more wherein includes computer usable program code
The shape for the computer program product implemented on storage media (including but not limited to magnetic disk storage, CD-ROM, optical memory etc.)
Formula.
It these are only embodiments herein, be not intended to limit this application.To those skilled in the art,
The application can have various modifications and variations.It is all within spirit herein and principle made by any modification, equivalent replacement,
Improve etc., it should be included within the scope of claims hereof.
Claims (10)
1. a kind of proof of identity method, which is characterized in that including：
Receiver Problem generates request, wherein described problem generates the essential information for including object to be verified in request；
The corresponding multiple problems of the essential information are generated, and search the corresponding model answer of each described problem；
When receiving question download request, multiple described problems are subjected to output and are shown；
Receive proof of identity request, wherein the answer provided comprising the object to be verified in the proof of identity request；
The answer and the model answer are subjected to matching treatment, with the corresponding credit scoring of the determination object to be verified,
And the credit scoring is subjected to output and is shown.
2. according to the method described in claim 1, it is characterized in that, described generate the corresponding multiple problems of the essential information,
And the corresponding model answer of each described problem is searched, including：
The essential information is organized into reference format；
The essential information Jing Guo housekeeping operation is substituted into corresponding default template, it is corresponding more to generate the essential information
A described problem；
The corresponding model answer of each described problem is searched in local knowledge base and/or each described problem of on-line search corresponds to
Model answer.
3. according to the method described in claim 2, it is characterized in that, generating that the essential information is corresponding multiple to ask described
Topic, and before searching the corresponding model answer of each described problem, the method further includes：
The corresponding unique identity of the essential information is generated, and the unique identity is subjected to output and is shown.
4. according to the method described in claim 3, it is characterized in that, generating that the essential information is corresponding multiple to ask described
Topic, and after searching the corresponding model answer of each described problem, the method further includes：
Inefficiency in multiple described problems and the invalid answer in the corresponding model answer of each described problem are carried out
Delete processing；
By the multiple described problems and the corresponding model answer of each described problem and the unique identities mark Jing Guo delete processing
Mapping relations between knowledge are cached in database.
5. according to the method described in claim 4, it is characterized in that, it includes the unique identities mark that described problem, which is downloaded in request,
Know；It is described that multiple described problems are subjected to output and are shown when receiving question download request, including：
When receiving described problem download request, the corresponding multiple institutes of the unique identity are searched in the database
Problem is stated, and multiple described problems are subjected to output and are shown.
6. according to the method described in claim 5, it is characterized in that, also including the unique identities in proof of identity request
Mark；It is described that the answer and the model answer are subjected to matching treatment, with the corresponding credit of the determination object to be verified
Scoring, including：
The corresponding model answer of the unique identity is searched in the database；
The answer and the model answer are subjected to fuzzy matching processing by natural language processing technique, to be waited for described in determination
Verify the corresponding credit scoring of object.
7. according to the method described in claim 1, it is characterized in that, it also includes that authentication is believed that described problem, which generates in request,
Breath；After the Receiver Problem generates request, the method further includes：
Authentication process is carried out to the authentication information；
Upon successful authentication, into the corresponding multiple problems of the generation essential information, and it is corresponding to search each described problem
The step of model answer.
8. a kind of identity verification device, which is characterized in that described device includes：
First receiving unit generates request for Receiver Problem, wherein comprising object to be verified in described problem generation request
Essential information；
First generation unit, the corresponding multiple problems of the essential information received for generating first receiving unit, and
Search the corresponding model answer of each described problem；
First output unit, for when receiving question download request, first generation unit being generated multiple described
Problem carries out output and shows；
Second receiving unit, for receiving proof of identity request, wherein comprising described to be verified right in the proof of identity request
As the answer of offer；
Determination unit, the answer for receiving second receiving unit carry out matching treatment with the model answer,
With the corresponding credit scoring of the determination object to be verified；
Second output unit, the credit scoring for determining the determination unit carry out output and show.
9. a kind of storage medium, which is characterized in that the storage medium includes the program of storage, wherein run in described program
When control the storage medium where equipment perform claim require 1 to the proof of identity side described in any one of claim 7
Method.
10. a kind of processor, which is characterized in that the processor is for running program, wherein right of execution when described program is run
Profit requires 1 to the proof of identity method described in any one of claim 7.
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| CN201810355701.5A CN108765126A (en) | 2018-04-19 | 2018-04-19 | Identity verify method and device |
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| CN201810355701.5A CN108765126A (en) | 2018-04-19 | 2018-04-19 | Identity verify method and device |
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| CN108765126A true CN108765126A (en) | 2018-11-06 |
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Cited By (1)
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| CN115001751A (en) * | 2022-05-06 | 2022-09-02 | 上海增融信息科技有限公司 | Dynamic verification method and device, electronic equipment and storage medium |
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Application publication date: 20181106 |