CN114997891A - Merchant information auditing method and system - Google Patents
Merchant information auditing method and system Download PDFInfo
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- CN114997891A CN114997891A CN202210739520.9A CN202210739520A CN114997891A CN 114997891 A CN114997891 A CN 114997891A CN 202210739520 A CN202210739520 A CN 202210739520A CN 114997891 A CN114997891 A CN 114997891A
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Abstract
The invention relates to a method and a system for auditing merchant information, which comprises the steps of setting an auditing strategy; acquiring parking application information submitted by a merchant, wherein the parking application information comprises character information and image information; identifying the image information to generate result character information; matching the text information with the result text information; after the matching is passed, calling a three-party platform according to the name of the merchant to obtain the business registration information of the merchant; comparing the business registration information of the merchant with the image information and generating a comparison result bitmap; and verifying the merchant information according to the comparison result bitmap and the verification strategy. The information submitted by the commercial tenant is automatically pre-audited, so that the problem that the system cannot make a decision due to low image quality uploaded by the commercial tenant is avoided, and the workload of operators is reduced while the flexibility of the system is ensured by configuring an audit strategy.
Description
Technical Field
The invention relates to the field of data interaction, in particular to a merchant information auditing method and system.
Background
For e-commerce services, a merchant needs to upload relevant information of the merchant through a service management platform provided by the platform, and the specific information includes but is not limited to basic information of the merchant, a merchant organization code card image, corporate information, image pieces of information of corporate beneficiaries and the like. With the expansion of platform business scale, more and more merchants are resident. For the resident data of the merchants, if the material auditing is performed in a manual mode, a large amount of checking work is performed, so that the huge workload of personnel is increased undoubtedly, and the auditing duration of the merchants is longer and longer with the increase of the resident merchants, so that the overstocked material of the imported goods auditing of the merchants is caused.
In the prior art, automatic auditing is performed on the business article information by an algorithm, but if problems such as low image quality uploaded by a business and incapability of making decisions by a system occur, a corresponding abnormal processing flow is lacked, and situations such as excessively high rejection rate occur.
Disclosure of Invention
In order to solve the defects of the prior art, the invention provides a merchant information auditing method and a merchant information auditing system, which can avoid the problems that the quality of images uploaded by merchants is low and the system cannot make a decision by automatically pre-auditing the information submitted by merchants, and reduce the workload of operators while ensuring the flexibility of the system by configuring an auditing strategy.
In order to achieve the above purpose, the technical scheme adopted by the invention comprises the following steps:
a merchant information auditing method comprises the following steps:
s1, setting an auditing strategy;
s2, acquiring parking application information submitted by a merchant, wherein the parking application information comprises text information and image information;
s3, recognizing the image information and generating result character information;
s4, matching the text information with the result text information;
s5, calling a three-party platform according to the name of the merchant to acquire the business and industry registration information of the merchant after the matching is passed;
s6, comparing the business registration information of the commercial tenant with the image information, and generating a comparison result bitmap;
and S7, verifying the merchant information according to the comparison result bitmap and the verification strategy.
Further, in S6, comparing the business registration information of the merchant with the image information, and generating a comparison result bitmap, where a bitmap item of the comparison result bitmap is 6 bits, and includes three-party information, business license information, corporate information, sponsor information, stakeholder and actual control person information, and income owner information.
Further, the step of performing, by the S7, merchant information verification according to the comparison result bitmap and the audit policy includes:
acquiring the comparison result bitmap and the auditing strategy;
matching the comparison result bitmap with the checking strategy, wherein item-by-item comparison is carried out according to the comparison bitmap result and the checking strategy;
judging whether each bitmap item of the comparison result bitmap is successfully verified;
if each bitmap item of the comparison result bitmap is successfully verified, an internal account is successfully established;
and if the bitmap item of the comparison result bitmap does not pass, refusing to open the internal account, and returning the reason of the failure.
Further, the step of judging whether each bitmap item of the comparison result bitmap is successfully verified further includes entering manual review when the bitmap item indicates that null information or exception is returned.
The invention also relates to a merchant information auditing system, which comprises:
the setting module is used for setting an auditing strategy;
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring parking application information submitted by a merchant, and the parking application information comprises character information and image information;
the identification module is used for identifying the image information and generating result character information;
the matching module is used for matching the text information with the result text information;
the calling module is used for calling the three-party platform according to the name of the merchant after the matching is passed to acquire the business registration information of the merchant;
the generation module is used for comparing the business registration information of the commercial tenant with the image information and generating a comparison result bitmap;
and the verification module is used for verifying the merchant information according to the comparison result bitmap and the verification strategy.
The invention also relates to a computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the above-mentioned method.
The invention also relates to an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, which when executed by the processor implements the above-mentioned method.
The invention also relates to a computer program product comprising a computer program and/or instructions, characterized in that the computer program and/or instructions, when executed by a processor, implement the steps of the above-mentioned method.
The invention has the beneficial effects that:
the method and the system avoid the problems that the image quality uploaded by the merchant is low and the system cannot make a decision by automatically pre-auditing the information submitted by the merchant, and reduce the workload of operators while ensuring the flexibility of the system by configuring the auditing strategy.
Drawings
Fig. 1 is a schematic flow chart of a merchant information auditing method according to the present invention.
Fig. 2 is a schematic diagram of a merchant information auditing structure according to the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be obtained by a person skilled in the art without making any creative effort based on the embodiments in the present invention, belong to the protection scope of the present invention.
The first aspect of the present invention relates to a merchant information auditing method with a flow shown in fig. 1, including:
step one, setting an auditing strategy;
specifically, in the embodiment of the present invention, in order to quantify various information of merchants, a manner of representing a merchant information bitmap is used, and the following is described in detail:
the first bit is the three-party information check result:
0: indicating that the query returns null information or a query exception; 1: and (3) representing that the three-party information is normal 2: the inspection is abnormal, and the business state is abnormal; 3: indicating that the inspection is abnormal and having serious illegal information; 4: indicating that the inspection is abnormal and the business term has expired; 5: the abnormal inspection is shown, and administrative penalty information exists; 6: the abnormal condition is detected, and an enterprise abnormal list is available; 7: indicating that the checking is abnormal and information of a distrusted executive or executed person exists.
The second place is the result of examining the license information
0: indicating a null exception; 1: the information of all business licenses passes the check; 2: the detection exception is expressed, and the OCR interface is called to fail or the OCR identifies the unified social credit code and the name exception; 3: the detection exception is shown, and the business name and the unified social credit code OCR do not pass the three-party comparison; 4: the detection is abnormal, and the business name and the unified social credit code OCR do not pass the uploading comparison; 5: indicating an inspection exception, OCR recognizing a license date format exception; 6: indicating an inspection anomaly, OCR recognizing that a license has expired; 7: indicating partial pass, only the business name and the unified social credit code check pass.
The third is the result of the legal information inspection:
0: indicating a null exception; 1: the legal person information is indicated to pass the inspection; 2: indicating that the detection is abnormal, and the certificate type is empty or non-identity card or the OCR of the identity card photo fails; 3: indicating inspection anomaly, name OCR and three-party inconsistency; 4: the detection exception is shown, and the name, the certificate number OCR and the uploading are inconsistent; 5: indicating an inspection exception, a networking check exception or a failure; 6: indicating inspection abnormity, OCR certificate date format abnormity; 7: indicating that the inspection is abnormal and the OCR certificate is expired; 8: the inspection exception is shown, and the certificate date of the OCR is inconsistent with the uploading comparison.
The fourth is the result of the inspection of the information of the dealer:
0: indicating a null exception; 1: the information of the manager passes the check; 2: indicating that the checking is abnormal, and the type of the certificate is null or non-identity card or identity card photo OCR failure; 3: indicating that the inspection is abnormal and the OCR certificate is expired; 4: indicating inspection exception, name, certificate number OCR and local inconsistency; 5: indicating an inspection exception, a networking check exception or a failure; 6: showing that the inspection is abnormal, and the certificate date of the OCR is inconsistent with the uploading comparison; 7: indicating a check exception: the OCR certificate date format is abnormal.
The fifth position is the information inspection result of the shareholder and the real control person:
0: indicating a null exception; 1: the information of the shareholder and the real control person passes the check; 2: the identification check is abnormal, the local shareholder names are inconsistent, and the personal shareholder networking check is not passed; 3: the abnormal detection is shown, and only the local and three-party shareholder names are inconsistent; 4: indicating that the check is abnormal, there is only a local individual stakeholder networking check that fails.
The sixth bit is the beneficial owner information check result:
0: a null exception; 1: the beneficial owner passes the examination; 2: only OCR anomalies are present; 3: only the validity period of the certificate is abnormal; 4: the third party returns an exception; 5: presence of OCR anomalies and document validity period anomalies; 6: the OCR name is inconsistent with the three-party name; a: the OCR name is inconsistent with the upload name; k: the networking check fails; 8: the OCR exception exists and the OCR name is inconsistent with the three-party name; c: the existence of OCR anomaly and the inconsistency of OCR name and the sending name; m: presence of OCR anomalies and networking check failures; 9: the method has the defects that the validity period of the certificate is abnormal and the OCR name is inconsistent with three parties; d: the existence of certificate validity period abnormity and the inconsistency of OCR name with last delivery; n: the existence of certificate validity period abnormity and network verification failure; g: the OCR name is inconsistent with the three parties and the OCR name is inconsistent with the sending name; q: the OCR name is inconsistent with three parties and the networking check is not passed; u: the OCR name is inconsistent with the sent name and the networking check is not passed; b: the method has the advantages that OCR abnormity, certificate validity abnormity and inconsistency of OCR names with three parties exist; f: the method has the advantages that OCR abnormity, certificate validity period abnormity and OCR name inconsistent with the last sending are existed; p: the method has the advantages that OCR abnormity, certificate validity abnormity and networking check failure exist; i: the method comprises the following steps that OCR abnormity exists, OCR names are inconsistent with three parties, and the OCR names are inconsistent with delivery; s: the method has the advantages that OCR abnormity exists, the OCR name is inconsistent with three parties, and networking check is not passed; w: the method has the advantages that OCR abnormity exists, OCR names are inconsistent with delivery, and networking check is not passed; j: the method has the advantages that the validity period of the certificate is abnormal, the OCR name is inconsistent with three parties, and the OCR name is inconsistent with the sending name; t: the method has the defects that the validity period of the certificate is abnormal, the OCR name is inconsistent with three parties, and the networking check is not passed; x: the method has the defects that the validity period of the certificate is abnormal, the OCR name is inconsistent with the sending, and the networking check is not passed; a: the OCR name is inconsistent with three parties, the OCR name is inconsistent with the sending, and the networking check is not passed; l: the method comprises the following steps that (1) OCR abnormity exists, certificate validity period abnormity exists, OCR names are inconsistent with three parties, and OCR names are inconsistent with uploading; v: the method has the advantages that OCR abnormity, certificate validity period abnormity, inconsistency of OCR names with three parties and failure of networking check exist; z: the method has the advantages that OCR abnormity, certificate validity period abnormity, inconsistent OCR name with sending and network verification failure exist; c: the method comprises the following steps that OCR abnormity exists, the OCR name is inconsistent with three parties, the OCR name is inconsistent with uploading, and networking check is not passed; d: the method has the advantages that the certificate validity period is abnormal, the OCR name is inconsistent with three parties, the OCR name is inconsistent with the last sending, and the networking check is not passed; f: the method has the advantages that the method has OCR abnormity, the certificate validity period abnormity, the OCR name is inconsistent with three parties, the OCR name is inconsistent with the last delivery and the networking check is not passed.
In the embodiment of the application, different auditing strategies are formulated according to the bitmap information, whether the auditing information submitted by a merchant passes, rejects or enters a manual auditing process is determined according to the strategies, and different auditing strategies can be configured according to different platforms.
The strategy is configured in a manner that a rule passing through is determined according to the value of each bitmap, if the first bit is 0 (indicating that the query returns null information or query exception), and the configured strategy is 0, manual intervention is performed, and the rule is hit, and then the manual intervention is performed.
For example, the audit policy is set as shown in the following table:
| platform | Bitmap item | Bitmap values | Policy |
| A platform | First bit | 0: indicating that a query returns null information or a query exception | 0: human intervention |
| B platform | First bit | 1: indicating three-party information is normal | 1: by passing |
| C platform | First bit | 2: indicating abnormal inspection and abnormal operation state | 2: refuse to |
Step two, acquiring parking application information submitted by a merchant, wherein the parking application information comprises character information and image information;
specifically, in the embodiment of the present application, the resident application materials mainly include: the system comprises a affiliated platform, basic information of merchants, unified social credit code information and video pieces, legal representative information and video pieces, contact information and video pieces, information and video pieces of shareholders or actual control persons, and beneficiary information and video pieces. After the merchant submits the parking application material through the interface or the business system, the system can automatically carry out strategy matching.
Step three, identifying the image information and generating result character information;
step four, matching the character information with the result character information;
in the prior art, automatic auditing is performed on the business incoming information in an algorithm mode, but if a problem that the business uploads low image quality occurs, a corresponding abnormal processing flow is lacked, and the situation that the rejection rate is too high is caused. According to the method and the device, the first matching is carried out on the information uploaded by the user, the subsequent verification is carried out after the matching is passed, if the matching is not passed, the user is prompted to upload the data again, the subsequent verification is not carried out, the cost is saved, the efficiency is improved, and the fact that the client is rejected due to low quality of the uploaded image information in the subsequent verification is guaranteed.
Step five, calling a three-party platform according to the name of the merchant to acquire the business registration information of the merchant after the matching is passed;
sixthly, comparing the business registration information of the commercial tenant with the image information, and generating a comparison result bitmap;
specifically, in the embodiment of the application, after the matching is passed, the three-party platform is called according to the name of the merchant to obtain the business registration information of the merchant, then the obtained business registration information is compared with the information sent by the merchant one by one, and according to the merchant information bitmap, the business registration information comprises three-party information check, business license information check, corporate information check, sponsor information check, stockholder and real control person information check, income owner information check and the like. The length of the comparison result bitmap is 6 bits, for example, the specific format is 153741, which represents the following contents:
and seventhly, verifying the merchant information according to the comparison result bitmap and the verification strategy.
And checking item by item according to the comparison result bitmap and the auditing strategy, wherein in the embodiment of the application, if the strategy of each bit of the comparison result bitmap is passed, the verification is successful, if at least one bit of rejection exists, the rejection is directly rejected and the rejection reason is returned, if the rejection does not exist and the manual intervention is carried out, the manual intervention process is carried out, and the merchant information is audited through a back pipe manually.
In the embodiment of the present application, the verification result includes:
if the verification fails, the audit materials are submitted again; and providing a rejection reason for the rejected application system, and after inquiring the rejection reason, completing and resubmitting the information according to the specific rejection reason by the merchant.
Successfully opening an internal account; after the system passes the automatic audit or the manual audit, the internal account number can be automatically opened for transactions such as deposit, account movement, cash withdrawal and the like.
Manual intervention, and manual auditing is carried out; and manually checking item by item according to the returned abnormal reasons, if the returned abnormal reasons pass the checking, informing the merchant of successful checking and opening an internal account, and if the returned abnormal reasons do not pass the checking, filling a rejection reason and informing the merchant of resubmissing the checking information.
Another aspect of the present invention further relates to a merchant information auditing and processing system, whose structure is shown in fig. 2, including:
the setting module is used for setting an auditing strategy;
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring parking application information submitted by a merchant, and the parking application information comprises character information and image information;
the identification module is used for identifying the image information and generating result character information;
the matching module is used for matching the text information with the result text information;
the calling module is used for calling the three-party platform according to the name of the merchant after the matching is passed to acquire the business registration information of the merchant;
the generation module is used for comparing the business registration information of the merchant with the image information and generating a comparison result bitmap;
and the verification module is used for verifying the merchant information according to the comparison result bitmap and the auditing strategy.
By using this system, the above-described arithmetic processing method can be executed and a corresponding technical effect can be achieved.
The embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps of the merchant information auditing method in the above embodiments, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all the steps of the merchant information auditing method in the above embodiments.
Embodiments of the present invention further provide an electronic device for executing the method, as an implementation apparatus of the method, the electronic device at least has a processor and a memory, and particularly, the memory stores data and related computer programs required for executing the method, and all steps of the implementation method are executed by calling the data and programs in the memory by the processor, and corresponding technical effects are obtained.
Preferably, the electronic device may comprise a bus architecture, which may include any number of interconnected buses and bridges linking together various circuits including one or more processors and memory. The bus may also link various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. A bus interface provides an interface between the bus and the receiver and transmitter. The receiver and transmitter may be the same element, i.e., a transceiver, providing a means for communicating with various other systems over a transmission medium. The processor is responsible for managing the bus and general processing, while the memory may be used for storing data used by the processor in performing operations.
Additionally, the electronic device may further include a communication module, an input unit, an audio processor, a display, a power supply, and the like. The processor (or controller, operational controls) employed may include a microprocessor or other processor device and/or logic device that receives input and controls the operation of various components of the electronic device; the memory may be one or more of a buffer, a flash memory, a hard drive, a removable medium, a volatile memory, a non-volatile memory or other suitable devices, and may store the above-mentioned related data information, and may also store a program for executing the related information, and the processor may execute the program stored in the memory to realize information storage or processing, etc.; the input unit is used for providing input to the processor, and can be a key or a touch input device; the power supply is used for supplying power to the electronic equipment; the display is used for displaying display objects such as images and characters, and may be an LCD display, for example. The communication module is a transmitter/receiver that transmits and receives signals via an antenna. The communication module (transmitter/receiver) is coupled to the processor to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal. Based on different communication technologies, a plurality of communication modules, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be disposed in the same electronic device. The communication module (transmitter/receiver) is also coupled to a speaker and a microphone via an audio processor to provide audio output via the speaker and receive audio input from the microphone to implement the usual telecommunication functions. The audio processor may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor is also coupled to the central processor, so that recording on the local machine can be realized through the microphone, and sound stored on the local machine can be played through the loudspeaker.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create a system for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including an instruction system which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks. While preferred embodiments of the present invention have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the invention.
The above description is only for the preferred embodiment of the present invention, but the scope of the present invention is not limited thereto, and any changes or substitutions that can be easily conceived by those skilled in the art within the technical scope of the present invention are included in the scope of the present invention. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (8)
1. A merchant information auditing method is characterized by comprising the following steps:
s1, setting an auditing strategy;
s2, acquiring parking application information submitted by a merchant, wherein the parking application information comprises text information and image information;
s3, recognizing the image information and generating result character information;
s4, matching the text information with the result text information;
s5, calling a three-party platform according to the name of the merchant to acquire the business and industry registration information of the merchant after the matching is passed;
s6, comparing the business registration information of the merchant with the image information, and generating a comparison result bitmap;
and S7, verifying the merchant information according to the comparison result bitmap and the auditing strategy.
2. The method as claimed in claim 1, wherein the S6 compares the business registration information of the merchant with the image information, and generates a comparison result bitmap, wherein bitmap items of the comparison result bitmap are 6 bits, including three-party information, business license information, corporate information, sponsor information, stakeholder and real controller information, and revenue owner information.
3. The method according to claim 2, wherein the S7 performing merchant information verification according to the comparison result bitmap and the audit policy includes:
acquiring the comparison result bitmap and the audit strategy;
matching the comparison result bitmap with the checking strategy, wherein item-by-item comparison is carried out according to the comparison bitmap result and the checking strategy;
judging whether each bitmap item of the comparison result bitmap is successfully verified;
if each bitmap item of the comparison result bitmap is successfully verified, an internal account is successfully opened;
and if the bitmap item of the comparison result bitmap does not pass, refusing to open the internal account, and returning the reason of the failure.
4. The method as claimed in claim 3, wherein the determining whether each bitmap item of the comparison result bitmap is successfully checked further comprises entering a manual review when the bitmap item indicates that null information or an exception is returned.
5. A merchant information auditing system, characterized by comprising:
the setting module is used for setting an auditing strategy;
the system comprises an acquisition module, a storage module and a processing module, wherein the acquisition module is used for acquiring parking application information submitted by a merchant, and the parking application information comprises character information and image information;
the identification module is used for identifying the image information and generating result character information;
the matching module is used for matching the text information with the result text information;
the calling module is used for calling the three-party platform according to the name of the merchant after the matching is passed to acquire the business registration information of the merchant;
the generation module is used for comparing the business registration information of the merchant with the image information and generating a comparison result bitmap;
and the verification module is used for verifying the merchant information according to the comparison result bitmap and the auditing strategy.
6. A computer-readable storage medium, characterized in that the storage medium has stored thereon a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 4.
7. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the method of claims 1 to 4 when executing the computer program.
8. A computer program product comprising a computer program and/or instructions, characterized in that the computer program and/or instructions, when executed by a processor, implement the steps of the method of any one of claims 1 to 4.
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| CN202210739520.9A CN114997891A (en) | 2022-06-28 | 2022-06-28 | Merchant information auditing method and system |
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| CN202210739520.9A CN114997891A (en) | 2022-06-28 | 2022-06-28 | Merchant information auditing method and system |
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