CN115099639A

CN115099639A - Remote inspection method, system, device, medium, and program product

Info

Publication number: CN115099639A
Application number: CN202210754268.9A
Authority: CN
Inventors: 胡叶平; 梁敏; 杨汝芬; 暨光耀
Original assignee: Industrial and Commercial Bank of China Ltd ICBC
Current assignee: Industrial and Commercial Bank of China Ltd ICBC
Priority date: 2022-06-28
Filing date: 2022-06-28
Publication date: 2022-09-23

Abstract

The disclosure provides a remote inspection method which can be applied to the technical field of the Internet of things. The method is applied to a merchant patrol analysis device and comprises the following steps: acquiring patrol decision support information, merchant basic information and merchant historical patrol information, wherein the patrol decision support information comprises at least one of merchant bill-receiving transaction data, merchant evaluation data and third-party risk prompt data; based on the routing inspection decision support information, the historical routing inspection information of the merchant and a routing inspection comprehensive scoring model obtain a first comprehensive score; routing inspection task allocation is carried out based on the first comprehensive score and a preset routing inspection allocation strategy, and the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device; acquiring merchant patrol data from the patrol device; and generating a polling result based on the polling decision support information, the merchant polling data and the merchant basic information. The present disclosure also provides a remote inspection system, device, storage medium and program product.

Description

Remote inspection method, system, device, medium, and program product

Technical Field

The present disclosure relates to the field of internet of things technology, and in particular, to a remote inspection method, system, device, medium, and program product.

Background

With the explosion of social economy, the offline physical special merchants of the acquiring organization are rapidly growing. For the inspection of off-line merchants, a field inspection mode is generally adopted at present, an inspector regularly uses inspection equipment according to supervision requirements to inspect and record the conditions of merchant inspection receipt, including special merchant operation conditions and inspection payment acceptance terminal (including payment bar code) use and management conditions, risk hidden dangers are inspected, and the legal compliance of operation activities of special merchants is ensured. The inspection equipment supports photographing of field conditions, records field inspection data in an electronic mode, and sends the data to the background system for storage, and field inspection processing is completed.

In the course of implementing the disclosed concept, the inventors found that there are at least the following problems in the prior art: the field inspection needs to consume larger time and traffic cost, and meanwhile, the merchant inspection decision lacks the merchant risk data analysis support, so that the inspection pertinence is not strong.

Disclosure of Invention

In view of the foregoing, embodiments of the present disclosure provide a remote patrol method, system, device, medium, and program product that improve patrol pertinence.

According to a first aspect of the present disclosure, there is provided a remote inspection method applied to a merchant inspection analysis device, including: acquiring patrol decision support information, merchant basic information and merchant historical patrol information, wherein the patrol decision support information comprises at least one of merchant bill-receiving transaction data, merchant evaluation data and third-party risk prompt data; based on the routing inspection decision support information, the historical routing inspection information of the merchant and a routing inspection comprehensive scoring model obtain a first comprehensive score; routing inspection task allocation is carried out based on the first comprehensive score and a preset routing inspection allocation strategy, and the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device; acquiring merchant patrol data from the patrol device; and generating a polling result based on the polling decision support information, the merchant polling data and the merchant basic information.

According to an embodiment of the present disclosure, the generating of the patrol result based on the patrol decision support information, the merchant patrol data, and the merchant basic information includes: acquiring polling analysis information based on the polling decision support information, the merchant polling data and the merchant basic information; acquiring a second comprehensive score based on the routing inspection analysis information and a routing inspection comprehensive score model; and generating risk prompt information and a routing inspection result file based on the second comprehensive score.

According to the embodiment of the disclosure, the merchant bill-receiving transaction data comprises bill-receiving abnormal data, and the bill-receiving abnormal data comprises at least one of bill-receiving abnormal fluctuation number and fake card bill-receiving early warning number. And/or the merchant evaluation data comprises merchant internet evaluation data, and the merchant internet evaluation data comprises at least one of service negative evaluation record number, product negative evaluation record number and complaint record number; and/or the third party risk prompt data comprises at least one of payment platform risk prompt data, regulatory agency risk prompt data and clearing agency risk prompt; and/or the basic information of the commercial tenant comprises at least three of commercial tenant certificates, operation addresses, operation ranges, industry categories and commercial tenant contacts; and/or the merchant routing inspection data at least comprises merchant operation condition information, payment acceptance terminal information and transaction environment information.

According to the embodiment of the disclosure, the patrol comprehensive scoring model is established based on scoring dimensionality and dimensionality weight, and the scoring dimensionality is associated with the type of patrol decision support information.

According to the embodiment of the disclosure, the routing inspection task allocation based on the first comprehensive score and the preset routing inspection allocation strategy comprises the following steps: and when the first comprehensive score is greater than or equal to a preset threshold value, triggering the routing inspection task to be distributed.

According to a second aspect of the present disclosure, there is provided a remote inspection method applied to a merchant information acquisition apparatus, including: collecting patrol decision support information and merchant basic information, wherein the patrol decision support information comprises at least one of merchant acquisition transaction data, merchant evaluation data and third-party risk prompt data; and sending the routing inspection decision support information and the merchant basic information to a merchant routing inspection analysis device.

According to the embodiment of the disclosure, the merchant bill-receiving transaction data comprises bill-receiving abnormal data, and the bill-receiving abnormal data comprises at least one of bill-receiving abnormal fluctuation number and fake card bill-receiving early warning number; and/or the merchant evaluation data comprises merchant internet evaluation data, and the merchant internet evaluation data comprises at least one of service negative evaluation record number, product negative evaluation record number and complaint record number; and/or the third party risk prompt data comprises at least one of payment platform risk prompt data, regulatory agency risk prompt data and clearing agency risk prompt; and/or the basic information of the commercial tenant comprises at least three of commercial tenant certificates, operation addresses, operation ranges, industry categories and commercial tenant contacts; and/or the merchant patrol data at least comprises merchant operation condition information, payment acceptance terminal information and transaction environment information.

According to a third aspect of the present disclosure, there is provided a remote inspection method applied to an inspection apparatus, including: receiving task allocation information from a merchant patrol analysis device; polling the merchants based on the task allocation information and collecting merchant polling data; sending the merchant patrol data to the merchant patrol analysis device; and inquiring an inspection result file obtained from the merchant inspection analysis device, wherein the inspection result file and the merchant identification have a mapping relation.

According to the embodiment of the disclosure, the merchant patrol data comprises merchant operation condition information, payment acceptance terminal information and transaction environment information.

According to an embodiment of the present disclosure, the acquiring the merchant patrol data includes: and acquiring the merchant patrol inspection information in a voice communication and/or video communication mode.

According to the embodiment of the disclosure, the acquiring of the merchant patrol data comprises: and acquiring the positioning information of the merchant.

According to a fourth aspect of the present disclosure, there is provided a remote inspection method, which is applied to a customer premises inspection device, and includes: acquiring authorization information from a merchant patrol analysis device; and responding to a polling instruction obtained from the polling device based on the communication connection of the authorization information and the polling device, wherein the polling instruction is from voice communication and/or video communication with the polling device.

According to the embodiment of the disclosure, responding to the inspection instruction obtained from the inspection device further comprises obtaining the positioning information of the merchant and sending the positioning information to the inspection device.

According to a fifth aspect of the present disclosure, there is provided a remote inspection method, including: the method comprises the steps that a merchant information acquisition device acquires patrol decision support information and merchant basic information based on a preset time period, wherein the patrol decision support information comprises at least one of merchant bill-receiving transaction data, merchant evaluation data and third-party risk prompt data; the merchant information acquisition device sends the routing inspection decision support information and the merchant basic information to a merchant routing inspection analysis device, the merchant routing inspection analysis device acquires the routing inspection decision support information and the merchant basic information, and acquires a first comprehensive score based on the routing inspection decision support information, the merchant historical routing inspection information and a routing inspection comprehensive scoring model; the merchant patrol analysis device performs patrol task allocation based on the first comprehensive score and a preset patrol allocation strategy, wherein the patrol task allocation comprises the step of sending task allocation information to a patrol device; the inspection device receives task allocation information from the merchant inspection analysis device; the merchant terminal patrol device acquires authorization information from the merchant patrol analysis device; the business user end patrol device is in communication connection with the patrol device based on the authorization information and responds to a patrol instruction obtained from the patrol device; the inspection device inspects the commercial tenant based on the task allocation information, acquires the commercial tenant inspection data and sends the commercial tenant inspection data to the commercial tenant inspection analysis device; the merchant patrol analysis device receives merchant patrol data from the patrol device and acquires patrol analysis information based on the patrol decision support information, the merchant patrol data and the merchant basic information; the merchant patrol analysis device acquires a second comprehensive score based on the patrol analysis information and the patrol comprehensive score model; and the merchant patrol analysis device generates risk prompt information and a patrol result file based on the second comprehensive score, wherein the merchant patrol analysis device is respectively in communication connection with the patrol device, the merchant information acquisition device and the merchant terminal patrol device.

A sixth aspect of the present disclosure provides a remote inspection system, including: the system comprises a merchant patrol analysis device, a merchant information acquisition device, a patrol device and a merchant terminal patrol device, wherein the merchant patrol analysis device is used for acquiring patrol decision support information and merchant historical patrol information; based on the routing inspection decision support information, the historical routing inspection information of the merchant and a routing inspection comprehensive scoring model obtain a first comprehensive score; routing inspection task allocation is carried out based on the first comprehensive score and a preset routing inspection allocation strategy, and the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device; acquiring merchant patrol data from the patrol device; generating a polling result based on the polling decision support information, the merchant polling data and the merchant basic information, wherein the polling decision support information comprises at least one of merchant acquiring transaction data, merchant evaluation data and third party risk prompt data; the merchant information acquisition device is used for acquiring polling decision support information and merchant basic information; sending the routing inspection decision support information and the merchant basic information to a merchant routing inspection analysis device; the inspection device is used for receiving task allocation information from the merchant inspection analysis device; polling the merchants based on the task allocation information and collecting merchant polling data; sending the merchant patrol data to the merchant patrol analysis device; inquiring an inspection result file obtained from the merchant inspection analysis device, wherein the inspection result file and the merchant identification have a mapping relation; the merchant terminal patrol device is used for acquiring authorization information from the merchant patrol analysis device; and responding to an inspection instruction obtained from the inspection device based on the communication connection of the authorization information and the inspection device, wherein the merchant inspection analysis device is respectively in communication connection with the inspection device, the merchant information acquisition device and the merchant terminal inspection device.

According to this disclosed embodiment, the merchant patrols and examines analytical equipment and includes: the system comprises a first acquisition module, a second acquisition module and a third party risk prompting module, wherein the first acquisition module is configured to acquire patrol decision support information, merchant basic information and merchant historical patrol information, and the patrol decision support information comprises at least one of merchant acquisition transaction data, merchant evaluation data and third party risk prompting data; the first processing module is configured to obtain a first comprehensive score based on the routing inspection decision support information, the historical routing inspection information of the merchant and the routing inspection comprehensive score model; the task allocation module is configured to perform routing inspection task allocation based on the first comprehensive score and a preset routing inspection allocation strategy, wherein the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device; the second acquisition module is configured to acquire the merchant patrol data from the patrol device; and a result generation module configured to generate an inspection result based on the inspection decision support information, the merchant inspection data, and the merchant basic information.

According to an embodiment of the present disclosure, the result generation module includes: the summarizing sub-module is configured to obtain patrol analysis information based on the patrol decision support information, the merchant patrol data and the merchant basic information; the scoring submodule is configured to obtain a second comprehensive score based on the routing inspection analysis information and the routing inspection comprehensive scoring model; and the generating submodule is configured to generate risk prompt information and a routing inspection result file based on the second comprehensive score.

According to an embodiment of the present disclosure, a merchant information acquisition apparatus includes: the system comprises an acquisition module, a management module and a management module, wherein the acquisition module is configured to acquire patrol decision support information and merchant basic information, and the patrol decision support information comprises at least one of merchant acquisition transaction data, merchant evaluation data and third-party risk prompt data; and the first sending module is configured to send the patrol decision support information and the merchant basic information to the merchant patrol analysis device.

According to the embodiment of the present disclosure, the inspection device includes: the receiving module is configured to receive task distribution information from the merchant patrol analysis device; the inspection module is configured to inspect the merchant based on the task allocation information and acquire merchant inspection data; the second sending module is configured to send the merchant patrol data to the merchant patrol analysis device; and the query module is configured to query a patrol result file obtained from the merchant patrol analysis device, wherein the patrol result file and the merchant identifier have a mapping relation.

According to the embodiment of the disclosure, the merchant terminal patrol device comprises a third acquisition module configured to acquire authorization information from the merchant patrol analysis device; and the inspection module is configured to be in communication connection with the inspection device based on the authorization information and respond to an inspection instruction obtained from the inspection device, wherein the inspection instruction is from voice communication and/or video communication with the inspection device.

A seventh aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the remote inspection method described above.

An eighth aspect of the present disclosure also provides a computer-readable storage medium having stored thereon executable instructions that, when executed by a processor, cause the processor to perform the above-described remote inspection method.

A ninth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the remote inspection method described above.

According to the method provided by the embodiment of the disclosure, the labor cost is saved in a remote inspection mode, and based on the inspection decision support information, the historical inspection information of the merchant and the inspection comprehensive grading model are comprehensively subjected to data decision analysis, the intelligent judgment is carried out on the inspection of the merchant, and the inspection task of the merchant is scientifically decided.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

fig. 1 schematically illustrates an application scenario diagram of a remote patrol method, system, device, medium, and program product according to embodiments of the present disclosure.

Fig. 2 schematically shows a flow chart of a remote inspection method according to an embodiment of the present disclosure.

Fig. 3 schematically illustrates a flow chart of a method of generating a patrol result based on the patrol decision-support information, the merchant patrol data, and the merchant base information, according to some specific embodiments of the present disclosure.

Fig. 4 schematically illustrates a flow diagram of a remote inspection method according to further embodiments of the present disclosure.

Fig. 5 schematically illustrates a flow diagram of a remote inspection method according to further embodiments of the present disclosure.

Fig. 6 schematically illustrates a flow diagram of a remote inspection method according to further embodiments of the present disclosure.

Fig. 7 schematically illustrates a flow diagram of a remote inspection method according to still further embodiments of the present disclosure.

Fig. 8 schematically shows a block diagram of the remote patrol system according to an embodiment of the present disclosure.

Fig. 9 schematically shows a block diagram of the structure of the merchant patrol analyzing apparatus according to the embodiment of the present disclosure.

Fig. 10 schematically shows a block diagram of a structure of a result generation module according to an embodiment of the present disclosure.

Fig. 11 schematically shows a block diagram of a structure of a merchant information acquisition apparatus according to an embodiment of the present disclosure.

Fig. 12 schematically shows a block diagram of the inspection equipment according to the embodiment of the present disclosure.

Fig. 13 schematically shows a block diagram of a structure of a merchant-side patrol device according to an embodiment of the present disclosure.

Fig. 14 schematically illustrates a block diagram of an electronic device adapted to implement a remote patrol method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that these descriptions are illustrative only and are not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "at least one of A, B and C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include but not be limited to systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

In the technical scheme of the disclosure, the collection, storage, use, processing, transmission, provision, disclosure, application and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated.

In the technical scheme of the disclosure, before the personal information of the user is acquired or collected, the authorization or the consent of the user is acquired.

With the vigorous development of social economy, off-line entity special merchants of acquiring organizations are rapidly increasing. For the inspection of off-line merchants, a field inspection mode is generally adopted at present, an inspector regularly uses inspection equipment to inspect and record the conditions of merchant inspection receipt, including the operating conditions of special merchants and the conditions of use and management of payment acceptance terminals (including payment bar codes), according to supervision requirements, thereby eliminating risk hazards and ensuring legal compliance of operating activities of the special merchants. The inspection equipment supports photographing of field conditions, records field inspection data in an electronic mode, and sends the data to the background system for storage, and field inspection processing is completed. However, the field inspection needs to consume a large amount of time and traffic cost, and meanwhile, in the traditional offline merchant inspection, the acquiring mechanism lacks data decision support for inspection time and inspection key attention contents, so that the targeted inspection is difficult to be performed in time according to potential hazards of the merchant, the inspection effect is general, the inspection pertinence is not strong, and the inspection manpower is wasted.

The embodiment of the disclosure provides a remote inspection method, which is applied to a merchant inspection analysis device and comprises the following steps: acquiring patrol decision support information, merchant basic information and merchant historical patrol information, wherein the patrol decision support information comprises at least one of merchant bill-receiving transaction data, merchant evaluation data and third-party risk prompt data; based on the routing inspection decision support information, the historical routing inspection information of the merchant and a routing inspection comprehensive scoring model obtain a first comprehensive score; routing inspection task allocation is carried out based on the first comprehensive score and a preset routing inspection allocation strategy, and the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device; acquiring merchant patrol data from the patrol device; and generating a polling result based on the polling decision support information, the merchant polling data and the merchant basic information.

It should be noted that the remote inspection method, apparatus, device, medium, and program product provided in the embodiments of the present disclosure may be used in aspects related to the inspection of merchants by the internet of things technology, and may also be used in various fields other than the internet of things technology, such as the financial field. The application fields of the remote inspection method, the device, the equipment, the medium and the program product provided by the embodiment of the disclosure are not limited.

The above-described operations for accomplishing at least one of the objects of the present disclosure will be set forth hereinafter in connection with the accompanying drawings and the description thereof.

Fig. 1 schematically illustrates an application scenario diagram of a remote inspection method, system, device, medium, and program product according to embodiments of the present disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include a merchant patrol analyzing apparatus 101, a merchant information collecting apparatus 102, a patrol apparatus 103, a merchant-side patrol apparatus 104, and a network 105. The network 105 is used to provide a medium of communication links between the merchant patrol analyzing device 101, the merchant information collecting device 102, the patrol device 103 and the merchant-side patrol device 104. Network 105 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

A user may interact with merchant patrol analysis apparatus 101 through network 105 using either patrol apparatus 103 or merchant-side patrol apparatus 104 to receive or send messages or the like. The inspection device 103 or the merchant-side inspection device 104 may further have various communication client applications installed thereon, such as a shopping application, a web browser application, a search application, an instant messaging tool, a mailbox client, social platform software, and the like (for example only).

The patrol device 103 and the merchant-side patrol device 104 may be various electronic devices having display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The merchant patrol analyzing apparatus 101 and the merchant information collecting apparatus 102 may be servers that provide various services, such as a background management server (for example only) that provides support for a website browsed by a user using the patrol apparatus 103 or the merchant-side patrol apparatus 104. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the remote inspection method provided by the embodiment of the present disclosure may be executed by the merchant inspection analysis device 101, the merchant information collection device 102, the inspection device 103, and the merchant-side inspection device 104. The remote inspection method provided by the embodiment of the disclosure may also be executed by a server or a server cluster that is different from the merchant inspection analysis device 101 and/or the merchant information acquisition device 102 and can communicate with the inspection device 103 and/or the merchant terminal inspection device 104. Correspondingly, the inspection device 103 and/or the merchant-side inspection device 104 provided in the embodiment of the present disclosure may also be disposed in a server or a server cluster that is different from the merchant inspection analysis device 101 and/or the merchant information collection device 102 and can communicate with the inspection device 103 and/or the merchant-side inspection device 104.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The remote inspection method of the disclosed embodiment will be described in detail below with reference to fig. 2 to 7 based on the scenario described in fig. 1.

As shown in fig. 2, the remote patrol method of the embodiment includes operations S210 to S250, and the remote patrol method may be performed by the merchant patrol analyzing apparatus.

In operation S210, patrol decision support information, merchant basic information, and merchant historical patrol information are obtained, where the patrol decision support information includes at least one of merchant invoice transaction data, merchant evaluation data, and third-party risk prompt data.

In operation S220, based on the patrol decision support information, the merchant historical patrol information and the patrol comprehensive score model obtain a first comprehensive score.

In operation S230, routing inspection task allocation is performed based on the first comprehensive score and a preset routing inspection allocation policy, where the routing inspection task allocation includes sending task allocation information to a routing inspection device.

In operation S240, merchant patrol data from the patrol device is acquired.

In operation S250, an inspection result is generated based on the inspection decision support information, the merchant inspection data, and the merchant basic information.

According to the embodiment of the disclosure, the patrol decision support information and the merchant basic information can be acquired by the merchant patrol analysis device, or acquired by the merchant patrol analysis device after being acquired by other equipment. The patrol decision support information comprises at least one of merchant acquisition transaction data, merchant evaluation data and third party risk prompt data. The data are data which may have a great influence on the risk of the merchant, wherein the merchant order-receiving transaction data may include daily acquired merchant order-receiving transaction information, and the order-receiving transaction information includes various order-receiving payment transactions initiated by the merchant payment acceptance terminal, such as bank card payment and code scanning payment. The merchant evaluation data can be from internet evaluation data or obtained from field visit research. Typical merchant ratings data may include merchant income statement ratings, such as merchant review area consumer complaints, illegal product or service phenomena, etc., captured from an internet platform. The third party risk hint data may include merchant risk hint information acquired from third party institutions collected daily, and the third party risk hint data may be authorized for acquisition. The basic information of the merchant is the basic information related to the business condition of the merchant, and can be used for comparing with the remote inspection data of the merchant to evaluate the risk of the merchant.

In some specific embodiments, the merchant order-receiving transaction data includes order-receiving abnormal data, and the order-receiving abnormal data includes at least one of an order-receiving abnormal fluctuation number and a counterfeit card order-receiving early-warning number; and/or the merchant evaluation data comprises merchant internet evaluation data, and the merchant internet evaluation data comprises at least one of service negative evaluation record number, product negative evaluation record number and complaint record number; and/or the third party risk prompt data comprises at least one of payment platform risk prompt data, supervision agency risk prompt data and clearing agency risk prompt; and/or the basic information of the merchant comprises at least three of merchant certificates, operating addresses, operating ranges, industry categories and merchant contacts. It should be understood that merchant consent or authorization may be obtained prior to obtaining merchant base information. For example, a request for obtaining merchant base information may be issued to the merchant contact before operation S210. The operation S210 is performed in case that the merchant contact agrees or authorizes that the merchant basic information can be obtained.

The merchant patrol data can be acquired by transmission after remote patrol by patrol personnel. In some embodiments, the merchant patrol data at least includes merchant operation condition information, payment acceptance terminal information and transaction environment information. When the method of the embodiment of the disclosure is applied each time, the merchant historical patrol inspection information may be obtained based on patrol inspection data obtained by the last patrol inspection, and may include, for example, a patrol inspection result obtained by the last patrol inspection and related patrol inspection mark information, such as a patrol inspection date, a patrol inspector, and the like. The inspection comprehensive scoring model can be a preset model or a model obtained through pre-training. In the embodiment of the disclosure, routing inspection task allocation can be performed based on the first comprehensive score and a preset routing inspection allocation strategy, and a routing inspection result can be further obtained. The routing inspection task allocation method can be used for allocating routing inspection tasks based on geographical distribution of routing inspection personnel, adept service types (such as company types adept in routing inspection) and the like. According to the embodiment of the system and the method, whether the current merchant is patrolled or not can be scientifically decided by acquiring the first comprehensive score through the patrol decision support information, the historical patrol information of the merchant and the patrol comprehensive score model, so that the labor cost is saved, the pertinence of patrol is improved, the data processing amount of the merchant patrol analysis device is reduced, and the data processing efficiency is improved.

As shown in fig. 3, the method for generating the patrol result based on the patrol decision support information, the merchant patrol data and the merchant basic information according to the embodiment includes operations S310 to S330.

In operation S310, the merchant patrol data and the merchant basic information acquire patrol analysis information based on the patrol decision support information.

In operation S320, a second composite score is obtained based on the patrol analysis information and the patrol composite score model.

In operation S330, risk prompting information and a patrol result file are generated based on the second composite score.

According to the embodiment of the disclosure, after the merchant patrol data from the patrol device is acquired, the merchant basic information can comprehensively acquire patrol analysis information by using the merchant patrol data and reserved patrol decision support information. For example, the patrol analysis information may include the patrol decision support information, the merchant patrol data and the merchant basic information, or may be obtained after processing the merchant patrol data and the merchant basic information based on the patrol decision support information. The risk of the merchant can be scientifically evaluated by acquiring the second comprehensive score through the patrol analysis information and the patrol comprehensive scoring model, and the influence of excessive dependence on the experience of patrol personnel on the risk evaluation accuracy is reduced. After the second comprehensive score is obtained, risk prompt information and a routing inspection result file can be generated. The inspection result file can contain the second comprehensive score and the risk prompt information, and can also be generated after the second comprehensive score and the risk prompt information are processed based on a preset rule. The inspection result file can be displayed externally.

In the embodiment of the disclosure, the inspection comprehensive scoring model can be established based on a weight method and can also be obtained by training the model based on an artificial intelligence technology. It will be appreciated that prior to building a model, historical data needs to be prepared in advance for model training. Therefore, after the new characteristic data are input into the model, the risk of the merchant can be automatically judged.

In some specific embodiments, the patrol comprehensive scoring model may be established based on scoring dimensions associated with categories of patrol decision support information and dimensional weights. For example, the scoring dimension number may be the number of categories of the patrol decision support information +1(1 represents patrol history information on behalf of the merchant). The scoring dimension may include m sub-dimensions, and each sub-dimension may be configured with a corresponding weight. Therefore, the patrol inspection comprehensive score can be calculated based on the scoring dimension (sub-dimension) and the weight of each dimension (sub-dimension) so as to evaluate the risk level of the merchant.

In a specific example, when the inspection comprehensive scoring model is constructed, the inspection decision support information may be formed by the merchant receipt transaction data, the merchant evaluation data and the third-party risk prompt data. Each type of supporting information may include a variety of sub-information. On the basis of acquiring four dimensional indexes of merchant bill transaction data, merchant evaluation data, third party risk prompt data and merchant historical patrol information, according to the weight of each index, an index weighted summation method is adopted to score and evaluate each dimensional index. In particular examples of the present disclosure, the patrol decision-support information and the merchant historical patrol information may primarily include anomaly data to efficiently assess merchant risk.

Table 1 and table 2 show the index-weight configuration and the composite scoring model factor configuration, respectively.

TABLE 1 index-weight configuration Table

Table two comprehensive grading model factor configuration table

The patrol comprehensive scoring model can be constructed based on table 1 and table 2 as follows:

wherein, S represents the comprehensive rating of the inspection of the merchant; the information processing method comprises the following steps that i is 1, 2, 3 and 4, and represents four dimensions of merchant acquisition transaction data, merchant evaluation data, third party risk prompt data and merchant historical patrol information; j ═ 1, 2, and.. n, which respectively represent specific evaluation indexes in each dimension; xij and wij are respectively the standardized scores and the weights of j indexes in the dimension i; xi, Wi represent the normalized score and weight vector of the i dimension, respectively. The system scores each dimension index automatically according to the model, and then a patrol comprehensive score (S) can be obtained, wherein the score range can be 0-100.

According to the embodiment of the disclosure, the routing inspection task allocation based on the first comprehensive score and the preset routing inspection allocation strategy comprises the following steps: and when the first comprehensive score is greater than or equal to a preset threshold value, triggering the routing inspection task to be distributed. In embodiments of the present disclosure, a risk score threshold may be set to automatically trigger inspection task allocation. And when the inspection comprehensive score of the merchant reaches a threshold value, the system automatically decides to generate an inspection task and distributes the inspection task. Typical task information includes merchant numbers, merchant names, merchant addresses, merchant contacts, contact numbers, polling decision support information, merchant polling completion deadlines, and the like. Therefore, the inspection pertinence can be improved, the labor cost is saved, and the data processing expenditure is reduced.

Other embodiments of the present disclosure provide a remote patrol method, which may be performed by a merchant information collection device.

As shown in fig. 4, the remote patrol method of the embodiment includes operations S410 to S420.

In operation S410, patrol decision support information and merchant basic information are collected, where the patrol decision support information includes at least one of merchant invoice transaction data, merchant evaluation data, and third-party risk prompt data.

In operation S420, the patrol decision support information and the merchant basic information are transmitted to a merchant patrol analysis apparatus.

In the embodiment of the disclosure, the merchant information acquisition device may be configured to automatically acquire the patrol decision support information and the merchant basic information at regular intervals, so as to update the information in time.

It can be understood that the information collected by the merchant information collection device can be completely transmitted to the user patrol analysis device for decision making. Correspondingly, the merchant bill-receiving transaction data comprises bill-receiving abnormal data, and the bill-receiving abnormal data comprises at least one of bill-receiving abnormal fluctuation number and counterfeit card bill-receiving early-warning number; and/or the merchant evaluation data comprises merchant internet evaluation data, and the merchant internet evaluation data comprises at least one of service negative evaluation record number, product negative evaluation record number and complaint record number; and/or the third party risk prompt data comprises at least one of payment platform risk prompt data, regulatory agency risk prompt data and clearing agency risk prompt; and/or the basic information of the commercial tenant comprises at least three of commercial tenant certificates, operation addresses, operation ranges, industry categories and commercial tenant contacts; and/or the merchant patrol data at least comprises merchant operation condition information, payment acceptance terminal information and transaction environment information.

Still other embodiments of the present disclosure provide a remote inspection method that may be performed by an inspection device.

As shown in fig. 5, the remote patrol method of the embodiment includes operations S510 to S540.

In operation S510, task assignment information from a merchant patrol analyzing apparatus is received.

In operation S520, the merchant is patrolled based on the task allocation information, and merchant patrol data is collected.

In operation S530, the merchant patrol data is transmitted to the merchant patrol analyzing apparatus.

In operation S540, a patrol result file obtained from the merchant patrol analysis apparatus is queried, where the patrol result file and the merchant identifier have a mapping relationship.

In the embodiment of the disclosure, after the patrol inspector establishes communication connection with the merchant patrol analysis device through the patrol inspection device, the patrol inspector can log in the user ID and obtain a merchant to-be-patrolled task list, namely task allocation information, from the merchant patrol analysis device. After receiving the task allocation information from the merchant patrol analysis device, the patrol device can establish remote communication with the merchant so as to acquire merchant patrol data. Typical routing inspection data may include merchant operation condition information, payment acceptance terminal information, and transaction environment information. The merchant operation condition information can be mainly used for comparing with the merchant basic information to judge whether the merchant operation condition is abnormal. Typical merchant operation condition information may include a merchant name, an operation address, whether a merchant is normally operated, a merchant operation license, an actual operation range, a merchant industry category, merchant contact information, merchant provided product or service content, and the like. The payment acceptance terminal information may be used to evaluate cash and financial risks. Typical payment acceptance terminal information may include information about the payment acceptance terminal (including a cash register code), such as whether the payment acceptance terminal is within the range of a merchant's place of operation, whether the payment acceptance terminal has a serial number, a quantity, and a use range consistent with bank reservation information or system registration information bound thereto, whether the payment acceptance terminal (including the cash register code) can accept normally, whether the payment acceptance terminal (including the cash register code) is detached, modified, or installed with other attached (side-recording) devices, and the like, whether the merchant moves the machine (including the cash register code), whether the violation conditions of lending, renting, selling the payment acceptance terminal (including the cash register code) exist, whether the place of operation has a suspicious cash register bar code, and the like; the transaction environment information may be used to assess merchant transaction environment risks. It should be understood that the merchant patrol data collected by the patrol inspection device should be the same as the merchant patrol data received by the merchant patrol analysis device.

According to this disclosed embodiment, gather merchant and patrol and examine data and include: and acquiring the merchant patrol information in a voice communication and/or video communication mode. Preferably, the acquiring the merchant patrol data may further include: and collecting the positioning information of the merchant. In some specific embodiments, the inspection device can collect GPS positioning data from a merchant, and support interception of inspection pictures and voice information according to voice and video communication data of remote inspection with the merchant. The picture information can comprise information such as a merchant certificate picture, a merchant contact identity certificate picture, a payment acceptance terminal picture, a landmark picture of a management place (indoor or outdoor), and the like, and the inspection device can support automatic identification of picture data information through an OCR technology; the voice data text translation is supported, the question answer of the inspector is obtained, and an electronic inspection form is supported to be generated and transmitted to the merchant inspection analysis device for inspection data analysis. Further, the inspector can inquire the inspection result file obtained by analyzing the inspection analysis device of the merchant through the name of the merchant. The inspection result file can include inspection comprehensive scoring information (such as a second comprehensive scoring) and risk prompt information.

Still other embodiments of the present disclosure provide a remote inspection method, which may be performed by a merchant-side inspection device.

As shown in fig. 6, the remote patrol method of this embodiment includes operations S610 to S640.

In operation S610, authorization information from the merchant patrol analyzing apparatus is acquired.

In operation S620, a polling command obtained from the polling device is responded based on the authorization information and the polling device is in communication connection, wherein the polling command is from voice communication and/or video communication with the polling device.

According to the embodiment of the disclosure, the merchant terminal patrol device is a device for a merchant to cooperate with a patrol inspector to carry out remote patrol, and the merchant can acquire the authorization information from the merchant patrol analysis device by a method of logging in the device through login information. After the authorization is obtained, the merchant terminal patrol device can establish communication connection with a patrol device held by a patrol officer, correspond to a patrol instruction and transmit corresponding merchant patrol data according to the instruction requirement. Specifically, the merchant can send the login information to the merchant patrol analysis device through the network, and after the merchant patrol analysis device completes user verification, the communication connection between the merchant patrol analysis device and the merchant patrol analysis device can be established, and the merchant state information stored in the merchant patrol analysis device at the merchant end can be synchronously updated. In the embodiment of the disclosure, the inspector can transmit the required information by using the inspection device in an audio and/or video communication mode. In some specific embodiments, responding to the inspection instruction obtained from the inspection device further comprises obtaining location information of the merchant and sending the location information to the inspection device.

Still other embodiments of the present disclosure provide a remote inspection method.

As shown in fig. 7, the remote patrol method of this embodiment includes operations S701 to S711.

In operation S701, the merchant information collecting device collects patrol decision support information and merchant basic information based on a preset time period, where the patrol decision support information includes at least one of merchant acquisition transaction data, merchant evaluation data, and third-party risk prompt data.

In operation S702, the merchant information collection apparatus sends the patrol decision support information and the merchant basic information to a merchant patrol analysis apparatus.

In operation S703, the merchant patrol analyzing apparatus acquires the patrol decision support information and the merchant basic information, and acquires a first comprehensive score based on the patrol decision support information, the merchant historical patrol information, and the patrol comprehensive score model.

In operation S704, the merchant patrol analysis apparatus performs patrol task allocation based on the first comprehensive score and a preset patrol allocation policy, where the patrol task allocation includes sending task allocation information to a patrol apparatus.

In operation S705, the patrol apparatus receives task allocation information from the merchant patrol analyzing apparatus.

In operation S706, the merchant terminal acquires authorization information from the merchant patrol analyzing apparatus by the merchant patrol analyzing apparatus.

In operation S707, the customer premises station polling device communicates with the polling device based on the authorization information, and responds to a polling command obtained from the polling device.

In operation S708, the inspection device inspects the merchant based on the task allocation information, collects merchant inspection data, and sends the merchant inspection data to the merchant inspection analysis device.

In operation S709, the merchant patrol analysis device receives the merchant patrol data from the patrol device, and acquires patrol analysis information based on the patrol decision support information, the merchant patrol data, and the merchant basic information.

In operation S710, the merchant patrol analyzing apparatus acquires a second comprehensive score based on the patrol analysis information and the patrol comprehensive score model.

In operation S711, the merchant patrol analysis apparatus generates risk prompt information and a patrol result file based on the second comprehensive score.

The merchant patrol analysis device is in communication connection with the patrol device, the merchant information acquisition device and the merchant terminal patrol device respectively. The preset time period may be determined according to the inspection requirement, for example, the merchant information collecting device may collect the inspection decision support information and the merchant basic information every day.

Based on the remote inspection method, the embodiment of the disclosure also provides a remote inspection system. The remote inspection system will be described in detail below with reference to fig. 8.

As shown in fig. 8, the remote patrol system 800 of this embodiment includes a merchant patrol analyzing apparatus 810, a merchant information collecting apparatus 820, a patrol apparatus 830, and a merchant-side patrol apparatus 840.

The merchant patrol analysis device 810 is used for acquiring patrol decision support information and merchant historical patrol information; based on the routing inspection decision support information, the historical routing inspection information of the merchant and a routing inspection comprehensive scoring model obtain a first comprehensive score; routing inspection task allocation is carried out based on the first comprehensive score and a preset routing inspection allocation strategy, and the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device; acquiring merchant patrol data from the patrol device; and generating a polling result based on the polling decision support information, the merchant polling data and the merchant basic information, wherein the polling decision support information comprises at least one of merchant bill-receiving transaction data, merchant evaluation data and third party risk prompt data.

The merchant information acquisition device 820 is used for acquiring the patrol decision support information and the merchant basic information; and sending the routing inspection decision support information and the merchant basic information to a merchant routing inspection analysis device.

The patrol inspection device 830 is used for receiving task allocation information from the merchant patrol inspection analysis device; polling the merchants based on the task allocation information and collecting merchant polling data; sending the merchant patrol data to the merchant patrol analysis device; and inquiring an inspection result file obtained from the merchant inspection analysis device, wherein the inspection result file has a mapping relation with the merchant identification.

The merchant patrol device 840 is used for acquiring authorization information from the merchant patrol analysis device; and responding to the inspection instruction obtained from the inspection device based on the communication connection between the authorization information and the inspection device.

In the remote inspection system of the embodiment of the disclosure, the merchant inspection analysis device is respectively in communication connection with the inspection device, the merchant information acquisition device and the merchant terminal inspection device.

As shown in fig. 9, the merchant patrol analysis apparatus 810 of this embodiment includes a first obtaining module 8101, a first processing module 8102, a task allocating module 8103, a second obtaining module 8104, and a result generating module 8105.

The first obtaining module 8101 is configured to obtain patrol decision support information, merchant basic information and merchant history patrol information, where the patrol decision support information includes at least one of merchant acquisition transaction data, merchant evaluation data and third party risk prompt data.

The first processing module 8102 is configured to obtain a first composite score based on the patrol decision support information, the merchant historical patrol information, and a patrol composite score model.

The task allocation module 8103 is configured to perform routing inspection task allocation based on the first comprehensive score and a preset routing inspection allocation policy, where the routing inspection task allocation includes sending task allocation information to a routing inspection device.

The second acquisition module 8104 is configured to acquire merchant patrol data from the patrol device; and

the result generation module 8105 is configured to generate a patrol result based on the patrol decision support information, the merchant patrol data, and the merchant base information.

According to an embodiment of the present disclosure, the result generation module may further include a summarization sub-module, a scoring sub-module, and a generation sub-module.

As shown in fig. 10, the result generation module 8105 of this embodiment includes a summarization sub-module 81051, a scoring sub-module 81052 and a generation sub-module 81053.

Wherein the summarization sub-module 81051 is configured to obtain tour analysis information based on the tour decision support information, the merchant tour data, and the merchant base information.

A scoring submodule 81052 is configured to obtain a second composite score based on the inspection analysis information and an inspection composite scoring model.

The generation submodule 81053 is configured to generate risk prompt information and a patrol inspection result file based on the second comprehensive score.

As shown in fig. 11, the merchant information collecting device 820 of this embodiment includes a collecting module 8201 and a first transmitting module 8202.

The acquisition module 8201 is configured to acquire patrol decision-support information and merchant basic information, wherein the patrol decision-support information includes at least one of merchant acquisition transaction data, merchant evaluation data and third-party risk prompt data.

The first sending module 8202 is configured to send the patrol decision-support information and the merchant basic information to the merchant patrol analyzing apparatus.

As shown in fig. 12, the inspection apparatus 830 of this embodiment includes a receiving module 8301, an inspection module 8302, a second transmitting module 8303, and an inquiring module 8304.

Wherein, the receiving module 8301 is configured to receive the task allocation information from the merchant patrol analyzing device.

The patrol module 8302 is configured to patrol the merchant based on the task assignment information and collect merchant patrol data.

The second sending module 8303 is configured to send the merchant patrol data to the merchant patrol analyzing device; and

the query module 8304 is configured to query the patrol result file obtained from the merchant patrol analysis device, where the patrol result file and the merchant identifier have a mapping relationship.

As shown in fig. 13, the merchant-side patrol device 840 of this embodiment includes a third acquisition module 8401 and a patrol module 8402.

Wherein the third obtaining module 8401 is configured to obtain authorization information from the merchant patrol analyzing apparatus.

The patrol module 8402 is configured to respond to patrol instructions obtained from the patrol device based on the authorization information in communication with the patrol device, wherein the patrol instructions are from voice communication and/or video communication with the patrol device.

According to the embodiment of the disclosure, the task allocation module 8103 comprises a first acquisition module 8101, a first processing module 8102, a task allocation module 8103, a second acquisition module 8104, a result generation module 8105, a summary submodule 81051, a scoring submodule 81052 and a generation submodule 81053; or an acquisition module 8201 and a first sending module 8202; or a receiving module 8301, a polling module 8302, a second sending module 8303 and a query module 8304; or any plurality of the third obtaining module 8401 and the patrol module 8402 may be combined into one module to be implemented, or any one of the modules may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to the embodiment of the disclosure, the task allocation module 8103 comprises a first acquisition module 8101, a first processing module 8102, a task allocation module 8103, a second acquisition module 8104, a result generation module 8105, a summary submodule 81051, a scoring submodule 81052 and a generation submodule 81053; or an acquisition module 8201 and a first sending module 8202; or a receiving module 8301, a polling module 8302, a second sending module 8303 and a query module 8304; or at least one of the third acquisition module 8401 and the patrol module 8402 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or in any one of three implementations of software, hardware, and firmware, or in any suitable combination of any of them. Or, the first obtaining module 8101, the first processing module 8102, the task allocating module 8103, the second obtaining module 8104, the result generating module 8105, the summarizing submodule 81051, the scoring submodule 81052 and the generating submodule 81053; or an acquisition module 8201 and a first sending module 8202; or a receiving module 8301, a polling module 8302, a second sending module 8303 and a query module 8304; or at least one of the third obtaining module 8401 and the patrol module 8402, may be implemented at least in part as a computer program module that, when executed, may perform corresponding functions.

Fig. 14 schematically illustrates a block diagram of an electronic device suitable for implementing a remote inspection method according to an embodiment of the disclosure.

As shown in fig. 14, an electronic apparatus 900 according to an embodiment of the present disclosure includes a processor 901 which can perform various appropriate actions and processes in accordance with a program stored in a Read Only Memory (ROM)902 or a program loaded from a storage portion 908 into a Random Access Memory (RAM) 903. Processor 901 may comprise, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 901 may also include on-board memory for caching purposes. The processor 901 may comprise a single processing unit or a plurality of processing units for performing the different actions of the method flows according to embodiments of the present disclosure.

In the RAM 903, various programs and data necessary for the operation of the electronic apparatus 900 are stored. The processor 901, the ROM902, and the RAM 903 are connected to each other through a bus 904. The processor 901 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM902 and/or the RAM 903. Note that the programs may also be stored in one or more memories other than the ROM902 and the RAM 903. The processor 901 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 900 may also include input/output (I/O) interface 905, input/output (I/O) interface 905 also connected to bus 904, according to an embodiment of the present disclosure. The electronic device 900 may also include one or more of the following components connected to the I/O interface 905: an input portion 906 including a keyboard, a mouse, and the like; an output portion 907 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage portion 908 including a hard disk and the like; and a communication section 909 including a network interface card such as a LAN card, a modem, or the like. The communication section 909 performs communication processing via a network such as the internet. The drive 910 is also connected to the I/O interface 905 as necessary. A removable medium 911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 910 as necessary, so that a computer program read out therefrom is mounted into the storage section 908 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement a method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM902 and/or the RAM 903 described above and/or one or more memories other than the ROM902 and the RAM 903.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 901. The systems, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, and downloaded and installed through the communication section 909 and/or installed from the removable medium 911. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 909, and/or installed from the removable medium 911. The computer program, when executed by the processor 901, performs the above-described functions defined in the system of the embodiment of the present disclosure. The above described systems, devices, apparatuses, modules, units, etc. may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments and/or claims of the present disclosure may be made without departing from the spirit or teaching of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used advantageously in combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the present disclosure, and such alternatives and modifications are intended to be within the scope of the present disclosure.

Claims

1. A remote inspection method is characterized in that the method is applied to a merchant inspection analysis device and comprises the following steps:

acquiring patrol decision support information, merchant basic information and merchant historical patrol information, wherein the patrol decision support information comprises at least one of merchant bill-receiving transaction data, merchant evaluation data and third-party risk prompt data;

based on the routing inspection decision support information, the historical routing inspection information of the merchant and a routing inspection comprehensive scoring model obtain a first comprehensive score;

routing inspection task allocation is carried out based on the first comprehensive score and a preset routing inspection allocation strategy, and the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device;

acquiring merchant patrol data from the patrol device; and

and generating a polling result based on the polling decision support information, the merchant polling data and the merchant basic information.

2. The method of claim 1, wherein the generating of the patrol results based on the patrol decision support information, the merchant patrol data, and the merchant base information comprises:

acquiring polling analysis information based on the polling decision support information, the merchant polling data and the merchant basic information;

acquiring a second comprehensive score based on the routing inspection analysis information and the routing inspection comprehensive score model; and

and generating risk prompt information and a routing inspection result file based on the second comprehensive score.

3. The method of claim 1, wherein the merchant order-receipt transaction data comprises order-receipt exception data, the order-receipt exception data comprising at least one of an exception-amount fluctuation number of the order-receipt amount, and a counterfeit card order-receipt warning number;

and/or the merchant evaluation data comprises merchant internet evaluation data, and the merchant internet evaluation data comprises at least one of service negative evaluation record number, product negative evaluation record number and complaint record number;

and/or the third party risk prompt data comprises at least one of payment platform risk prompt data, regulatory agency risk prompt data and clearing agency risk prompt;

and/or the basic information of the commercial tenant comprises at least three of commercial tenant certificates, operation addresses, operation ranges, industry categories and commercial tenant contacts;

and/or the merchant routing inspection data at least comprises merchant operation condition information, payment acceptance terminal information and transaction environment information.

4. The method of claim 1, wherein the inspection integrated scoring model is built based on scoring dimensions associated with categories of inspection decision support information and dimensional weights.

5. The method of claim 1, wherein the routing inspection task assignment based on the first composite score and a preset routing inspection assignment policy comprises:

and when the first comprehensive score is greater than or equal to a preset threshold value, triggering the routing inspection task to be distributed.

6. A remote inspection method is applied to a merchant information acquisition device and comprises the following steps:

collecting patrol decision support information and merchant basic information, wherein the patrol decision support information comprises at least one of merchant acquisition transaction data, merchant evaluation data and third-party risk prompt data;

and sending the routing inspection decision support information and the merchant basic information to a merchant routing inspection analysis device.

7. The method of claim 6, wherein the merchant order-receipt transaction data comprises order-receipt exception data, the order-receipt exception data comprising at least one of an exception-amount fluctuation number of the order-receipt amount, and a counterfeit card order-receipt warning number;

and/or the merchant patrol data at least comprises merchant operation condition information, payment acceptance terminal information and transaction environment information.

8. A remote inspection method is characterized in that the method is applied to an inspection device and comprises the following steps:

receiving task allocation information from a merchant patrol analysis device;

polling the merchants based on the task allocation information and collecting merchant polling data;

sending the merchant patrol data to the merchant patrol analysis device; and

and inquiring an inspection result file obtained from the merchant inspection analysis device, wherein the inspection result file and the merchant identification have a mapping relation.

9. The method of claim 8, wherein the merchant patrol data includes merchant operational status information, payment acceptance terminal information, and transaction environment information.

10. The method of claim 8, wherein the collecting merchant patrol data comprises: and acquiring the merchant patrol information in a voice communication and/or video communication mode.

11. The method of claim 10, wherein the collecting merchant patrol data comprises: and acquiring the positioning information of the merchant.

12. A remote patrol method is applied to a business user side patrol device and comprises the following steps:

acquiring authorization information from a merchant patrol analysis device; and

and responding to a polling instruction obtained from the polling device based on the communication connection of the authorization information and the polling device, wherein the polling instruction is from voice communication and/or video communication with the polling device.

13. The method of claim 11, wherein responding to routing inspection instructions obtained from a routing inspection device further comprises obtaining location information for a merchant and sending the location information to the routing inspection device.

14. A remote inspection method is characterized by comprising the following steps:

the method comprises the steps that a merchant information acquisition device acquires patrol decision support information and merchant basic information based on a preset time period, wherein the patrol decision support information comprises at least one of merchant bill-receiving transaction data, merchant evaluation data and third-party risk prompt data;

the merchant information acquisition device sends the patrol decision support information and the merchant basic information to a merchant patrol analysis device,

the merchant patrol analysis device acquires the patrol decision support information and the merchant basic information, and acquires a first comprehensive score based on the patrol decision support information, the merchant historical patrol information and the patrol comprehensive score model;

the merchant patrol analysis device performs patrol task allocation based on the first comprehensive score and a preset patrol allocation strategy, wherein the patrol task allocation comprises the step of sending task allocation information to a patrol device;

the inspection device receives task allocation information from the merchant inspection analysis device;

the merchant terminal patrol device acquires authorization information from the merchant patrol analysis device;

the business user end patrol device is in communication connection with the patrol device based on the authorization information and responds to a patrol instruction obtained from the patrol device;

the inspection device inspects the commercial tenant based on the task allocation information, acquires the commercial tenant inspection data and sends the commercial tenant inspection data to the commercial tenant inspection analysis device;

the merchant patrol analysis device receives merchant patrol data from the patrol device and acquires patrol analysis information based on the patrol decision support information, the merchant patrol data and the merchant basic information;

the merchant patrol analysis device acquires a second comprehensive score based on the patrol analysis information and the patrol comprehensive score model; and

the merchant patrol analysis device generates risk prompt information and a patrol result file based on the second comprehensive score,

the merchant patrol analysis device is in communication connection with the patrol device, the merchant information acquisition device and the merchant terminal patrol device respectively.

15. A remote inspection system, comprising: a merchant patrol analysis device, a merchant information acquisition device, a patrol device and a merchant terminal patrol device,

the merchant patrol analysis device is used for acquiring patrol decision support information and merchant historical patrol information; based on the routing inspection decision support information, the historical routing inspection information of the merchant and a routing inspection comprehensive scoring model obtain a first comprehensive score; routing inspection task allocation is carried out based on the first comprehensive score and a preset routing inspection allocation strategy, and the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device; acquiring merchant patrol data from the patrol device; generating a polling result based on the polling decision support information, the merchant polling data and the merchant basic information, wherein the polling decision support information comprises at least one of merchant acquiring transaction data, merchant evaluation data and third party risk prompt data;

the merchant information acquisition device is used for acquiring patrol decision support information and merchant basic information; sending the routing inspection decision support information and the merchant basic information to a merchant routing inspection analysis device;

the inspection device is used for receiving task allocation information from the merchant inspection analysis device; polling the merchants based on the task allocation information and collecting merchant polling data; sending the merchant patrol data to the merchant patrol analysis device; inquiring an inspection result file obtained from the merchant inspection analysis device, wherein the inspection result file and the merchant identification have a mapping relation;

the merchant terminal patrol device is used for acquiring authorization information from the merchant patrol analysis device; and is in communication connection with the inspection device based on the authorization information, responds to the inspection instruction obtained from the inspection device,

16. The utility model provides a merchant patrols and examines analytical equipment which characterized in that includes:

the system comprises a first acquisition module, a second acquisition module and a third party risk prompting module, wherein the first acquisition module is configured to acquire patrol decision support information, merchant basic information and merchant historical patrol information, and the patrol decision support information comprises at least one of merchant acquisition transaction data, merchant evaluation data and third party risk prompting data;

the first processing module is configured to obtain a first comprehensive score based on the routing inspection decision support information, the historical routing inspection information of the merchant and the routing inspection comprehensive score model;

the task allocation module is configured to perform routing inspection task allocation based on the first comprehensive score and a preset routing inspection allocation strategy, wherein the routing inspection task allocation comprises the step of sending task allocation information to a routing inspection device;

the second acquisition module is configured to acquire the merchant patrol data from the patrol device; and

and the result generating module is configured to generate an inspection result based on the inspection decision support information, the merchant inspection data and the merchant basic information.

17. A merchant information acquisition device, comprising:

the system comprises an acquisition module, a management module and a management module, wherein the acquisition module is configured to acquire patrol decision support information and merchant basic information, and the patrol decision support information comprises at least one of merchant acquisition transaction data, merchant evaluation data and third-party risk prompt data; and

and the first sending module is configured to send the patrol decision support information and the merchant basic information to the merchant patrol analysis device.

18. An inspection device, comprising:

the receiving module is configured to receive task allocation information from the merchant patrol analysis device;

the inspection module is configured to inspect the merchant based on the task allocation information and acquire merchant inspection data;

the second sending module is configured to send the merchant patrol data to the merchant patrol analysis device; and

and the query module is configured to query a patrol result file obtained from the merchant patrol analysis device, wherein the patrol result file and the merchant identifier have a mapping relation.

19. The utility model provides a merchant end should patrol device which characterized in that includes:

the third acquisition module is configured to acquire authorization information from the merchant patrol analysis device; and

and the polling module is configured to be in communication connection with the polling device based on the authorization information and respond to a polling instruction obtained from the polling device, wherein the polling instruction is from voice communication and/or video communication with the polling device.

20. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-13.

21. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method of any one of claims 1 to 13.

22. A computer program product comprising a computer program which, when executed by a processor, implements a method according to any one of claims 1 to 13.