CN115600247A - Method and device for changing customer information - Google Patents
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Abstract
The invention provides a method and a device for changing client information, which relate to the technical field of computer data processing, and the method comprises the following steps: a first bank system receives an information modification request of a client; when the first bank system confirms that the second customer information is not stored in the customer information database of the first bank system, determining an information fingerprint corresponding to the first customer information and an information fingerprint corresponding to the second customer information according to the selected public key; the reference bank system determines third customer information corresponding to the identity label; determining an information fingerprint corresponding to the third customer information according to the selected public key and the third customer information corresponding to the identity identifier by referring to the bank system; feeding back the information fingerprint corresponding to the determined third customer information to the first bank system; and the first bank system carries out face recognition on the client according to the information fingerprint corresponding to the first client information, the information fingerprint corresponding to the second client information and the information fingerprint corresponding to the third client information.
Description
Technical Field
The present invention relates to the field of computer data processing technologies, and in particular, to a method and an apparatus for changing client information.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
In banking scenarios, customer information is very important information. At present, a customer needs to go off-line a bank outlet to modify some important customer information and manually verify the authenticity of the information. Therefore, the customer experience is poor, the operation efficiency of the bank outlets is low, and hidden risks cannot be found.
In view of the foregoing, there is a need for a technical solution that can overcome the above-mentioned drawbacks, improve the manner of changing the client information, and effectively control the risk.
Disclosure of Invention
In order to solve the problems in the prior art, the invention provides a method and a device for changing client information.
In a first aspect of an embodiment of the present invention, a method for changing client information is provided, including:
the method comprises the steps that a first bank system receives an information modification request of a client, wherein the information modification request is used for changing first client information into second client information by the client;
the first banking system confirms whether the second customer information is stored in a customer information database of the first banking system;
when the first bank system confirms that the second customer information is not stored in the customer information database of the first bank system, determining an information fingerprint corresponding to the first customer information and an information fingerprint corresponding to the second customer information according to the selected public key;
the first bank system sends the identity of the client, the changed client information identifier and the selected public key to the reference bank system;
the reference bank system determines third customer information corresponding to the identity label according to the identity label of the customer and the changed customer information label;
the reference bank system determines an information fingerprint corresponding to the third customer information according to the selected public key and the third customer information corresponding to the identity identification;
feeding back the information fingerprint corresponding to the determined third customer information to the first banking system by referring to the banking system;
and the first bank system carries out face recognition on the client according to the information fingerprint corresponding to the first client information, the information fingerprint corresponding to the second client information and the information fingerprint corresponding to the third client information.
In a second aspect of the embodiments of the present invention, an apparatus for changing client information is provided, including: each bank system comprises a request receiving module, a client information confirmation module, an information fingerprint determination module, a sending module and a face recognition module; wherein,
the request receiving module of the first banking system is used for receiving an information modification request of a client, wherein the information modification request is used for the client to change first client information into second client information;
the client information confirmation module of the first bank system is used for confirming whether the second client information is stored in the client information database of the first bank system;
the information fingerprint determining module of the first bank system is used for determining the information fingerprint corresponding to the first customer information and the information fingerprint corresponding to the second customer information according to the selected public key when the first bank system determines that the second customer information is not stored in the customer information database of the first bank system;
the sending module of the first bank system is used for sending the identity identifier of the client, the changed client information identifier and the selected public key to the reference bank system;
the client information confirmation module of the reference bank system is used for determining third client information corresponding to the identity label of the reference bank system according to the identity label of the client and the changed client information label;
the information fingerprint determining module of the reference bank system is used for determining an information fingerprint corresponding to the third customer information according to the selected public key and the third customer information corresponding to the identity identifier of the reference bank system;
the sending module of the reference bank system is used for feeding back the information fingerprint corresponding to the determined third customer information to the first bank system;
and the face recognition module of the first bank system is used for carrying out face recognition on the client according to the information fingerprint corresponding to the first client information, the information fingerprint corresponding to the second client information and the information fingerprint corresponding to the third client information.
In a third aspect of the embodiments of the present invention, a computer device is provided, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, and the processor implements a method of changing client information when executing the computer program.
In a fourth aspect of embodiments of the present invention, a computer-readable storage medium is presented, in which a computer program is stored, which, when being executed by a processor, carries out the method of altering customer information.
In a fifth aspect of embodiments of the present invention, a computer program product is presented, the computer program product comprising a computer program which, when executed by a processor, implements a method of altering customer information.
The method and the device for changing the customer information analyze the potential risk by analyzing the customer information, so that a face recognition mode is improved, information change is carried out on the verified customer, the risk when the information is changed is effectively controlled, the efficiency of changing the customer information is improved, the operation efficiency of bank outlets is improved, and powerful technical support is provided for the digital risk control of banks.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without creative efforts.
Fig. 1 is a flowchart illustrating a method for changing client information according to an embodiment of the present invention.
Fig. 2 is a flow chart illustrating a reference banking system according to an embodiment of the present invention.
Fig. 3 is a schematic flow chart of the first banking system performing face recognition on the customer according to an embodiment of the present invention.
Fig. 4 is a flowchart illustrating a process of determining potential relevant customers corresponding to each customer and relevant indexes of each customer and the corresponding potential relevant customers according to an embodiment of the present invention.
Fig. 5 is a schematic diagram of an apparatus for changing client information according to an embodiment of the present invention.
Fig. 6 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
The principles and spirit of the present invention will be described with reference to several exemplary embodiments. It is understood that these embodiments are given solely for the purpose of enabling those skilled in the art to better understand and to practice the invention, and are not intended to limit the scope of the invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
The embodiment of the invention provides a method and a device for changing client information, and relates to the technical field of computer data processing.
The principles and spirit of the present invention are explained in detail below with reference to several representative embodiments of the invention.
Fig. 1 is a flow chart illustrating a method for changing client information according to an embodiment of the present invention. As shown in fig. 1, the method includes:
s1, a first banking system receives an information modification request of a client, wherein the information modification request is used for the client to change first client information into second client information;
s2, the first banking system confirms whether the second customer information is stored in a customer information database of the first banking system;
s3, when the first bank system confirms that the second customer information is not stored in the customer information database of the first bank system, determining an information fingerprint corresponding to the first customer information and an information fingerprint corresponding to the second customer information according to the selected public key;
s4, the first bank system sends the identity identification of the client, the changed client information identification and the selected public key to the reference bank system;
s5, the reference bank system determines third customer information corresponding to the identity label according to the identity label of the customer and the changed customer information label;
s6, determining an information fingerprint corresponding to the third customer information by the reference bank system according to the selected public key and the third customer information corresponding to the identity mark by the reference bank system;
s7, feeding back the information fingerprint corresponding to the determined third customer information to the first bank system by the reference bank system;
and S8, the first bank system carries out face recognition on the client according to the information fingerprint corresponding to the first client information, the information fingerprint corresponding to the second client information and the information fingerprint corresponding to the third client information.
In order to explain the method of changing the client information more clearly, the following description will be given in detail with reference to specific embodiments.
In an actual application scenario, the information modification request may be to modify a mobile phone number, customer address information, professional information, and the like.
In a specific embodiment, referring to fig. 2, the present invention further comprises determining a reference banking system according to the following method:
s201, for each bank system, determining a transaction risk matrix corresponding to the bank system according to transaction data of the bank system;
s202, determining a reference bank system according to the transaction risk matrix corresponding to each bank system.
Specifically, (S201) for each banking system, determining a transaction risk matrix corresponding to the banking system according to transaction data of the banking system, including:
s201-1, determining a period threshold value of the bank system according to transaction data of the bank system;
s201-2, taking a period which is behind the current period and has a period difference with the current period less than or equal to a period threshold value of the bank system as a subsequent candidate period;
s201-3, determining a transaction risk matrix corresponding to the bank system according to the transaction data of the bank system in the subsequent period to be selected.
It should be noted that the term "period" as used herein refers to a relatively long time range, such as 1 month, 1 quarter, 1 year, etc.
In one embodiment, (S201-1) determining a period threshold of the banking system according to transaction data of the banking system;
s201-11, for each historical period, determining a transaction matrix of the bank system in the historical period according to the transaction data of the bank system in the historical period;
s201-12, regarding each historical period, taking each historical period after the historical period as a subsequent period of the historical period;
s201-13, for each subsequent period of the historical period, determining the difference between the transaction matrix of the bank system in the historical period and the transaction matrix of the bank system in the subsequent period, and taking the difference as the matrix difference between the historical period and the subsequent period;
s201-14, determining a period threshold corresponding to the historical period according to the matrix difference between the historical period and each subsequent period of the historical period;
s201-15, taking the minimum value of the cycle threshold value corresponding to each historical period as the cycle threshold value of the bank system.
In one embodiment, (S201-11) for each historical time period, determining a transaction matrix for the banking system during the historical time period according to the transaction data of the banking system during the historical time period, including:
determining a customer category and a business category corresponding to each transaction data of the banking system in the historical period;
for each combination of the customer category and the business category, selecting the corresponding combination of the customer category and the business category from the transaction data of the bank system in the historical period as the transaction data of the combination, and taking the transaction quantity contained in the selected transaction data as the transaction quantity of the bank system relative to the combination;
and determining a transaction matrix of the banking system in the historical period, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the business categories, and the value of each element of the transaction risk matrix is equal to the transaction amount of the banking system about the combination of the customer category and the business category corresponding to the element.
In one embodiment, (S201-14) determining a period threshold corresponding to the historical period according to a matrix difference between the historical period and each subsequent period of the historical period, includes:
performing 0 complementing according to the row number and the column number of the matrix difference between the historical period and the subsequent period to obtain a square matrix, and taking the non-0 characteristic value of the obtained square matrix as the difference characteristic value between the historical period and the subsequent period;
for each subsequent period of the historical period, if a difference characteristic value exists between the historical period and the subsequent period and the modulus of the difference characteristic value is larger than a set difference threshold value, taking the subsequent period as a potential unrelated period of the historical period;
and taking the minimum value of the period difference between each potential irrelevant period of the historical period and the historical period as the cycle threshold value corresponding to the historical period.
It should be noted that, when matrix calculation is performed, the time ranges of the transaction data of each transaction matrix are kept consistent;
or, a matrix position in the matrix is selected during calculation, for example, the number of rows is 1 and the number of columns is 1, values of other positions in the matrix are corrected according to values of the two matrices at the position, and then calculation is performed according to the corrected matrix; the above description is for ensuring the accuracy of matrix calculation, and in an actual application scenario, other ways may also be adopted to ensure matrix calculation.
In an embodiment, (S201-3) determining a transaction risk matrix corresponding to the banking system according to the transaction data of the banking system in the subsequent candidate period, including:
s201-31, determining the client category and the business category corresponding to each transaction data of the bank system in the subsequent candidate period;
s201-32, for each combination consisting of the customer category and the business category, selecting a combination consisting of the corresponding customer category and the business category from the transaction data of the bank system in the subsequent candidate period as the transaction data of the combination, and taking the proportion of the transaction data related to risks in the selected transaction data as the proportion of the risk of the bank system relative to the combination;
s201-33, determining a transaction risk matrix corresponding to the banking system, wherein the rows of the transaction risk matrix correspond to the customer categories, the columns correspond to the business categories, and the value of each element of the transaction risk matrix is equal to the risk ratio of the banking system with respect to the combination of the customer categories and the business categories corresponding to the element.
In one embodiment, (S202) determining a reference banking system according to a transaction risk matrix corresponding to each banking system includes:
s202-1, according to the row number and the column number of the transaction risk matrix corresponding to each bank system, 0 is supplemented to the transaction risk matrix corresponding to the bank system, and a transaction risk matrix corresponding to the bank system is obtained;
s202-2, taking the characteristic value of the transaction risk square matrix corresponding to the bank system as the characteristic value corresponding to the bank system;
s202-3, determining a reference bank system according to the characteristic value corresponding to the bank system.
In one embodiment, (S202-3) determining a reference banking system according to the characteristic value corresponding to the banking system includes:
and if the modular lengths of all the characteristic values corresponding to the bank system are smaller than the set risk threshold value, taking the bank system as a reference bank system.
In an embodiment, referring to fig. 3, the method includes:
s301, the first banking system takes the customer corresponding to the first customer information as a starting customer and takes the customer corresponding to the second customer information as an end customer;
s302, the first banking system determines the relevant client corresponding to the information modification request according to the starting point client, the end point client, the potential relevant clients corresponding to the clients prestored in the first banking system, and the relevant indexes of the clients and the corresponding potential relevant clients;
and S303, according to the relevant client corresponding to the information modification request, the first bank system performs face recognition on the client.
In an embodiment, (S302) the first banking system determines, according to the starting customer, the ending customer, potential related customers corresponding to each customer and pre-stored relevant indexes of each customer and the corresponding potential related customer by the first banking system, the related customer corresponding to the information modification request, including:
s302-1, taking potential relevant customers with the correlation indexes of which are greater than the correlation threshold value from among the potential relevant customers corresponding to the starting customer as candidate customers;
s302-2, for each customer to be selected, if the relevant indexes of the customer to be selected and the destination customer are greater than the relevant threshold, the customer to be selected is taken as the relevant customer corresponding to the information modification request.
In one embodiment, referring to fig. 4, the method further includes the first banking system determining the potential related customers corresponding to each customer and the correlation index of each customer and the corresponding potential related customer as follows:
s401, taking other bank systems except the first bank system as candidate bank systems;
s402, the first bank system sends related acquisition requests to each candidate bank system, wherein the related acquisition requests comprise: a hash function, a customer set;
s403, determining, by each candidate bank system, a relevant fingerprint corresponding to each customer in the customer set and a relevant index of each customer and the corresponding relevant fingerprint according to the hash function;
s404, each candidate bank system feeds back the determined relevant fingerprints corresponding to each customer in the customer set and the relevant indexes of the relevant fingerprints corresponding to each customer to the first bank system;
s405, the first banking system determines potential relevant customers corresponding to the customers in the customer set and relevant indexes of the customers and the corresponding potential relevant customers according to the relevant fingerprints corresponding to the customers in the customer set and the relevant indexes of the customers and the corresponding relevant fingerprints determined by each candidate banking system.
In one embodiment, (S403) each candidate banking system determines, according to the hash function, a relevant fingerprint corresponding to each customer in the customer set and a relevant index of each customer and the corresponding relevant fingerprint, including:
s403-1, for each customer in the customer set, the candidate bank system obtains a relevant customer corresponding to the customer and relevant indexes of the customer and the corresponding relevant customer, which are pre-stored in the candidate bank system;
s403-2, the candidate bank system takes the pre-stored hash value of the identity information of each relevant client corresponding to the client as the relevant fingerprint corresponding to the client according to the hash function;
and S403-3, determining the correlation index of the client and each corresponding correlation fingerprint as the correlation index of the client corresponding to the correlation fingerprint.
In one embodiment, (S405) the first banking system determines, according to the correlation fingerprint corresponding to each customer in the customer set and the correlation index of each customer and the corresponding correlation fingerprint determined by each candidate banking system, a potential correlation customer corresponding to each customer in the customer set and the correlation index of each customer and the corresponding potential correlation customer, including:
s405-1, regarding each customer in the customer set, taking a union of relevant fingerprints corresponding to the customer determined by each candidate bank system as a direct relevant fingerprint corresponding to the customer;
s405-2, determining the relevant indexes of the customer and the corresponding direct relevant fingerprints according to the relevant indexes of the customer and the corresponding relevant fingerprints determined by each candidate bank system;
s405-3, determining potential relevant clients corresponding to the clients in the client set and relevant indexes of the clients and the corresponding potential relevant clients according to the direct relevant fingerprints corresponding to the clients in the client set and the relevant indexes of the clients and the corresponding direct relevant fingerprints.
In one embodiment, (S405-3) determining potential related customers corresponding to each customer in the customer set and related indexes of each customer and corresponding potential related customers according to the direct related fingerprints of each customer in the customer set, and the related indexes of each customer and corresponding direct related fingerprints, includes:
for each client in the client set, according to the hash function, taking the hash value of the identity information of the client as the fingerprint corresponding to the client;
for any two clients in the set of clients, if the intersection of the directly related fingerprints corresponding to the two clients is not empty, determining a first client of the two clients as a potential related client corresponding to a second client;
taking the fingerprint corresponding to the first client as a potential relevant fingerprint corresponding to the second client;
taking the direct correlation fingerprint corresponding to the client as a direct correlation fingerprint corresponding to the client, and taking the correlation index of the client and each corresponding direct correlation fingerprint as the correlation index of the fingerprint corresponding to the client and each corresponding direct correlation fingerprint of the client;
taking a set consisting of fingerprints corresponding to all clients in a client set and directly related fingerprints corresponding to all clients in the client set as a generalized fingerprint set;
for each fingerprint in the generalized fingerprint set and each potential related fingerprint corresponding to the fingerprint, initializing related indexes and index update increments of the fingerprint and the potential related fingerprint according to a direct related fingerprint corresponding to the fingerprint, related indexes of the fingerprint and corresponding respective direct related fingerprints, a direct related fingerprint corresponding to the potential related fingerprint, and related indexes of the potential related fingerprint and corresponding respective direct related fingerprints;
and sequentially and circularly executing the following steps until no two fingerprints in the generalized fingerprint set are found to meet the condition s: the first fingerprint of the two fingerprints is a potentially relevant fingerprint corresponding to the second fingerprint, and the index update increment corresponding to the two fingerprints is greater than the set update threshold:
finding two fingerprints that satisfy the condition s;
updating the related indexes of the first fingerprint and the second fingerprint in the two fingerprints and the index updating increment corresponding to the two fingerprints according to the directly related fingerprint corresponding to each fingerprint in the two fingerprints and the related index of each fingerprint and each directly related fingerprint corresponding to each fingerprint;
when no two fingerprints in the generalized fingerprint set can be found to satisfy the condition s, for each client and each potential relevant client corresponding to the client, determining the relevant indexes of the client and the potential relevant client as the relevant indexes of the fingerprint corresponding to the client and the fingerprint corresponding to the potential relevant client.
In one embodiment, for each fingerprint in the generalized fingerprint set and each potential related fingerprint corresponding to the fingerprint, initializing the related indexes and index update increments of the fingerprint and the potential related fingerprint according to the directly related fingerprint corresponding to the fingerprint, the related indexes of the fingerprint and the corresponding respective directly related fingerprints, the directly related fingerprint corresponding to the potential related fingerprint, and the related indexes of the potential related fingerprint and the corresponding respective directly related fingerprints, includes:
taking the intersection of the directly related fingerprint corresponding to the fingerprint and the directly related fingerprint corresponding to the potential related fingerprint as a directly public related fingerprint;
for each direct public relevant fingerprint, taking the product of the correlation index of the fingerprint and the direct public relevant fingerprint and the correlation index of the potential relevant fingerprint and the direct public relevant fingerprint as the correlation index corresponding to the direct public relevant fingerprint;
taking the maximum value of the correlation indexes corresponding to all the direct public correlation fingerprints as the correlation indexes of the fingerprint and the potential correlation fingerprint;
and initializing index update increments of the fingerprint and the potentially relevant fingerprint to a fixed number, wherein the fixed number is greater than a set update threshold.
In one embodiment, updating the index associated with the first fingerprint and the second fingerprint of the two fingerprints according to the directly related fingerprint corresponding to each of the two fingerprints, the index associated with each of the two fingerprints and the index update increment corresponding to each of the two fingerprints includes:
taking the intersection of the directly related fingerprint corresponding to the first fingerprint and the directly related fingerprint corresponding to the second fingerprint as a directly public related fingerprint;
for each direct public related fingerprint, taking the product of the related indexes of the first fingerprint and the direct public related fingerprint and the related indexes of the second fingerprint and the direct public related fingerprint as the related indexes corresponding to the direct public related fingerprint;
if the correlation index of the first fingerprint and the second fingerprint is smaller than the maximum value of the correlation indexes corresponding to all the direct public correlation fingerprints, updating the correlation indexes of the first fingerprint and the second fingerprint to the maximum value of the correlation indexes corresponding to all the direct public correlation fingerprints; otherwise, the related indexes of the first fingerprint and the second fingerprint are kept unchanged;
and updating the index updating increment of the first fingerprint and the index updating increment of the second fingerprint into the difference between the related index of the first fingerprint and the second fingerprint after updating and the related index before updating.
It should be noted that although the operations of the method of the present invention have been described in the above embodiments and the accompanying drawings in a particular order, this does not require or imply that these operations must be performed in this particular order, or that all of the operations shown must be performed, to achieve the desired results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions.
Having described the method of the exemplary embodiment of the present invention, an apparatus for changing customer information of the exemplary embodiment of the present invention will be described with reference to fig. 5.
The implementation of the device for changing the client information can be referred to the implementation of the method, and repeated details are not repeated. The term "module" or "unit" used hereinafter may be a combination of software and/or hardware that implements a predetermined function. Although the means described in the embodiments below are preferably implemented in software, an implementation in hardware, or a combination of software and hardware is also possible and contemplated.
Based on the same inventive concept, the present invention further provides an apparatus for changing customer information, as shown in fig. 5, the apparatus includes: a plurality of banking systems. Wherein,
the system comprises a first banking system, a second banking system and a client, wherein the first banking system is used for receiving an information modification request of a client, and the information modification request is used for changing first client information into second client information by the client;
the first bank system is used for confirming whether the second customer information is stored in a customer information database of the first bank system;
the first bank system is used for determining an information fingerprint corresponding to the first customer information and an information fingerprint corresponding to the second customer information according to the selected public key when the first bank system confirms that the second customer information is not stored in a customer information database of the first bank system;
the first bank system is used for sending the identity identification of the client, the changed client information identification and the selected public key to the reference bank system;
the reference bank system is used for determining third customer information corresponding to the identity label according to the identity label of the customer and the changed customer information label;
the reference bank system is used for determining an information fingerprint corresponding to the third customer information according to the selected public key and the third customer information corresponding to the identity label by the reference bank system;
the reference bank system is used for feeding back the information fingerprint corresponding to the determined third customer information to the first bank system;
and the first bank system is used for carrying out face recognition on the client according to the information fingerprint corresponding to the first client information, the information fingerprint corresponding to the second client information and the information fingerprint corresponding to the third client information.
In one embodiment, each banking system is configured to determine the reference banking system as follows:
for each bank system, determining a transaction risk matrix corresponding to the bank system according to the transaction data of the bank system;
and determining a reference bank system according to the transaction risk matrix corresponding to each bank system.
In one embodiment, each banking system is specifically configured to:
determining a period threshold value of the bank system according to transaction data of the bank system;
taking a period which is behind the current period and has a period difference with the current period less than or equal to a period threshold value of the bank system as a subsequent candidate period;
and determining a transaction risk matrix corresponding to the bank system according to the transaction data of the bank system in the subsequent period to be selected.
In one embodiment, each banking system is specifically configured to:
for each historical period, determining a transaction matrix of the bank system in the historical period according to the transaction data of the bank system in the historical period;
for each historical period, taking each historical period after the historical period as a subsequent period of the historical period;
for each subsequent period of the historical period, determining the difference between the transaction matrix of the banking system in the historical period and the transaction matrix of the banking system in the subsequent period, and taking the difference as the matrix difference between the historical period and the subsequent period;
determining a period threshold corresponding to the historical period according to the matrix difference between the historical period and each subsequent period of the historical period;
and taking the minimum value of the cycle threshold value corresponding to each historical period as the cycle threshold value of the bank system.
In one embodiment, each banking system is specifically configured to:
determining a client category and a service category corresponding to each transaction data of the banking system in the historical period;
for each combination of the customer category and the business category, selecting the corresponding combination of the customer category and the business category from the transaction data of the bank system in the historical period as the transaction data of the combination, and taking the transaction quantity contained in the selected transaction data as the transaction quantity of the bank system relative to the combination;
and determining a transaction matrix of the banking system in the historical period, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the business categories, and the value of each element of the transaction risk matrix is equal to the transaction amount of the banking system about the combination of the customer categories and the business categories corresponding to the element.
In one embodiment, each banking system is specifically configured to:
determining a customer category and a service category corresponding to each transaction data of the bank system in a subsequent period to be selected;
for each combination consisting of the customer category and the business category, selecting a combination consisting of the corresponding customer category and the business category from the transaction data of the bank system in the subsequent candidate period as the transaction data of the combination, and taking the proportion of the transaction data related to risks in the selected transaction data as the proportion of the risks of the bank system relative to the combination;
and determining a transaction risk matrix corresponding to the banking system, wherein rows of the transaction risk matrix correspond to customer categories, columns of the transaction risk matrix correspond to business categories, and the value of each element of the transaction risk matrix is equal to the risk ratio of the banking system on the combination of the customer categories and the business categories corresponding to the element.
In one embodiment, each banking system is specifically configured to:
according to the row number and the column number of the transaction risk matrix corresponding to each bank system, 0 is supplemented to the transaction risk matrix corresponding to the bank system, and a transaction risk square matrix corresponding to the bank system is obtained;
taking the characteristic value of the transaction risk matrix corresponding to the bank system as the characteristic value corresponding to the bank system;
and determining a reference bank system according to the characteristic value corresponding to the bank system.
In one embodiment, the first banking system is further configured to:
taking the client corresponding to the first client information as a starting point client and taking the client corresponding to the second client information as an end point client;
determining related customers corresponding to the information modification request according to potential related customers corresponding to the starting point customer, the ending point customer and each customer pre-stored in the first bank system and related indexes of each customer and the corresponding potential related customers;
and according to the relevant client corresponding to the information modification request, the first bank system performs face recognition on the client.
In an embodiment, the first banking system is specifically configured to:
taking potential relevant customers of which the relevant indexes with the starting point customer are greater than a relevant threshold value from the potential relevant customers corresponding to the starting point customer as candidate customers;
and for each customer to be selected, if the relevant indexes of the customer to be selected and the destination customer are greater than the relevant threshold, taking the customer to be selected as the relevant customer corresponding to the information modification request.
It should be noted that although several modules of the apparatus for altering customer information are mentioned in the above detailed description, such division is merely exemplary and not mandatory. Indeed, the features and functionality of two or more of the modules described above may be embodied in one module according to embodiments of the invention. Conversely, the features and functions of one module described above may be further divided into embodiments by a plurality of modules.
Based on the aforementioned inventive concept, as shown in fig. 6, the present invention further provides a computer device 600, which includes a memory 610, a processor 620 and a computer program 630 stored on the memory 610 and operable on the processor 620, wherein the processor 620 executes the computer program 630 to implement the aforementioned method for changing client information.
Based on the foregoing inventive concept, the present invention proposes a computer-readable storage medium storing a computer program which, when executed by a processor, implements the foregoing method of altering customer information.
Based on the aforementioned inventive concept, the present invention proposes a computer program product comprising a computer program which, when being executed by a processor, carries out the method of altering customer information.
The method and the device for changing the customer information analyze the potential risk by analyzing the customer information, so that the face recognition mode is improved, the information of the verified customer is changed, the risk when the information is changed is effectively controlled, the efficiency of changing the customer information is improved, the operation efficiency of a bank outlet is improved, and powerful technical support is provided for the digital risk control of a bank.
According to the technical scheme, the data acquisition, storage, use, processing and the like meet relevant regulations of national laws and regulations.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, 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 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 means 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 instruction means 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.
Finally, it should be noted that: although the present invention has been described in detail with reference to the foregoing embodiments, it should be understood by those skilled in the art that the following descriptions are only illustrative and not restrictive, and that the scope of the present invention is not limited to the above embodiments: any person skilled in the art can modify or easily conceive the technical solutions described in the foregoing embodiments or equivalent substitutes for some technical features within the technical scope of the present disclosure; such modifications, changes or substitutions do not depart from the spirit and scope of the embodiments of the present invention, and they should be construed as being included therein. Therefore, the protection scope of the present invention shall be subject to the protection scope of the claims.
Claims (21)
1. A method of altering customer information, comprising:
the method comprises the steps that a first bank system receives an information modification request of a client, wherein the information modification request is used for changing first client information into second client information by the client;
the first banking system confirms whether the second customer information is stored in a customer information database of the first banking system;
when the first bank system confirms that the second customer information is not stored in the customer information database of the first bank system, determining an information fingerprint corresponding to the first customer information and an information fingerprint corresponding to the second customer information according to the selected public key;
the first bank system sends the identity identification of the client, the changed client information identification and the selected public key to a reference bank system;
the reference bank system determines third customer information corresponding to the identity mark according to the identity mark of the customer and the changed customer information mark;
the reference bank system determines an information fingerprint corresponding to the third customer information according to the selected public key and the third customer information corresponding to the identity identification;
feeding back the information fingerprint corresponding to the determined third customer information to the first bank system by the reference bank system;
and the first bank system carries out face recognition on the client according to the information fingerprint corresponding to the first client information, the information fingerprint corresponding to the second client information and the information fingerprint corresponding to the third client information.
2. The method of claim 1, further comprising determining the reference banking system as follows:
for each bank system, determining a transaction risk matrix corresponding to the bank system according to the transaction data of the bank system;
and determining a reference bank system according to the transaction risk matrix corresponding to each bank system.
3. The method as claimed in claim 2, wherein for each banking system, determining the transaction risk matrix corresponding to the banking system according to the transaction data of the banking system comprises:
determining a period threshold value of the bank system according to the transaction data of the bank system;
taking a period which is behind the current period and has a period difference with the current period less than or equal to a period threshold value of the bank system as a subsequent candidate period;
and determining a transaction risk matrix corresponding to the bank system according to the transaction data of the bank system in the subsequent period to be selected.
4. The method of claim 3, wherein determining the cycle threshold for the banking system based on the transaction data for the banking system comprises:
for each historical period, determining a transaction matrix of the bank system in the historical period according to the transaction data of the bank system in the historical period;
for each historical period, taking each historical period after the historical period as a subsequent period of the historical period;
for each subsequent period of the historical period, determining the difference between the transaction matrix of the bank system in the historical period and the transaction matrix of the bank system in the subsequent period, and taking the difference as the matrix difference between the historical period and the subsequent period;
determining a period threshold value corresponding to the historical period according to the matrix difference between the historical period and each subsequent period of the historical period;
and taking the minimum value of the cycle threshold value corresponding to each historical period as the cycle threshold value of the bank system.
5. The method as claimed in claim 4, wherein for each historical period, determining a transaction matrix for the banking system during the historical period based on transaction data for the banking system during the historical period comprises:
determining a customer category and a business category corresponding to each transaction data of the banking system in the historical period;
for each combination of the customer category and the business category, selecting the corresponding combination of the customer category and the business category from the transaction data of the bank system in the historical period as the transaction data of the combination, and taking the transaction quantity contained in the selected transaction data as the transaction quantity of the bank system relative to the combination;
and determining a transaction matrix of the banking system in the historical period, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the business categories, and the value of each element of the transaction risk matrix is equal to the transaction amount of the banking system about the combination of the customer category and the business category corresponding to the element.
6. The method as claimed in claim 3, wherein determining the transaction risk matrix corresponding to the banking system according to the transaction data of the banking system in the subsequent candidate period comprises:
determining a customer category and a service category corresponding to each transaction data of the bank system in a subsequent period to be selected;
for each combination consisting of the customer category and the business category, selecting a combination consisting of the corresponding customer category and the business category from the transaction data of the bank system in the subsequent period to be selected as the transaction data of the combination, and taking the proportion of the transaction data related to risks in the selected transaction data as the risk proportion of the bank system about the combination;
and determining a transaction risk matrix corresponding to the banking system, wherein rows of the transaction risk matrix correspond to customer categories, columns of the transaction risk matrix correspond to business categories, and the value of each element of the transaction risk matrix is equal to the risk ratio of the banking system on the combination of the customer categories and the business categories corresponding to the element.
7. The method of claim 2, wherein determining the reference banking system based on the transaction risk matrix corresponding to each banking system comprises:
according to the row number and the column number of the transaction risk matrix corresponding to each bank system, 0 is supplemented to the transaction risk matrix corresponding to the bank system, and a transaction risk square matrix corresponding to the bank system is obtained;
taking the characteristic value of the transaction risk square matrix corresponding to the bank system as the characteristic value corresponding to the bank system;
and determining a reference bank system according to the characteristic value corresponding to the bank system.
8. The method of claim 1, further comprising:
the first banking system takes the customer corresponding to the first customer information as a starting customer and takes the customer corresponding to the second customer information as an end customer;
the first banking system determines the relevant customers corresponding to the information modification request according to the starting point customer, the end point customer, the potential relevant customers corresponding to the customers prestored in the first banking system, and the relevant indexes of the customers and the corresponding potential relevant customers;
and according to the relevant client corresponding to the information modification request, the first bank system performs face recognition on the client.
9. The method as claimed in claim 8, wherein the first banking system determines the relevant client corresponding to the information modifying request according to the starting customer, the ending customer, the potential relevant clients corresponding to the respective customers and the relevant indexes of the respective customers and the corresponding potential relevant clients pre-stored in the first banking system, including:
taking potential relevant customers of which the relevant indexes of the potential relevant customers corresponding to the starting point customer are larger than a relevant threshold value as candidate customers;
and for each customer to be selected, if the relevant indexes of the customer to be selected and the destination customer are greater than the relevant threshold, taking the customer to be selected as the relevant customer corresponding to the information modification request.
10. An apparatus for changing client information, comprising: a plurality of banking systems; wherein,
the system comprises a first banking system, a second banking system and a client, wherein the first banking system is used for receiving an information modification request of a client, and the information modification request is used for changing first client information into second client information by the client;
the first banking system is used for confirming whether the second customer information is stored in a customer information database of the first banking system;
the first bank system is used for determining an information fingerprint corresponding to the first customer information and an information fingerprint corresponding to the second customer information according to the selected public key when the first bank system confirms that the second customer information is not stored in a customer information database of the first bank system;
the first bank system is used for sending the identity identification of the client, the changed client information identification and the selected public key to the reference bank system;
the reference bank system is used for determining third customer information corresponding to the identity label according to the identity label of the customer and the changed customer information label;
the reference bank system is used for determining an information fingerprint corresponding to the third customer information according to the selected public key and the third customer information corresponding to the identity mark of the reference bank system;
the reference bank system is used for feeding back the information fingerprint corresponding to the determined third customer information to the first bank system;
and the first bank system is used for carrying out face recognition on the client according to the information fingerprint corresponding to the first client information, the information fingerprint corresponding to the second client information and the information fingerprint corresponding to the third client information.
11. The apparatus of claim 10, wherein each banking system is operative to determine the reference banking system as follows:
for each bank system, determining a transaction risk matrix corresponding to the bank system according to the transaction data of the bank system;
and determining a reference bank system according to the transaction risk matrix corresponding to each bank system.
12. The apparatus of claim 11, wherein each banking system is specifically configured to:
determining a period threshold value of the bank system according to the transaction data of the bank system;
taking a period which is behind the current period and has a period difference with the current period less than or equal to a period threshold value of the bank system as a subsequent candidate period;
and determining a transaction risk matrix corresponding to the bank system according to the transaction data of the bank system in the subsequent period to be selected.
13. The apparatus of claim 12, wherein each banking system is specifically configured to:
for each historical period, determining a transaction matrix of the bank system in the historical period according to the transaction data of the bank system in the historical period;
for each historical period, taking each historical period after the historical period as a subsequent period of the historical period;
for each subsequent period of the historical period, determining the difference between the transaction matrix of the banking system in the historical period and the transaction matrix of the banking system in the subsequent period, and taking the difference as the matrix difference between the historical period and the subsequent period;
determining a period threshold corresponding to the historical period according to the matrix difference between the historical period and each subsequent period of the historical period;
and taking the minimum value of the cycle threshold value corresponding to each historical period as the cycle threshold value of the bank system.
14. The apparatus of claim 13, wherein each banking system is specifically configured to:
determining a customer category and a business category corresponding to each transaction data of the banking system in the historical period;
for each combination of the customer category and the business category, selecting the corresponding combination of the customer category and the business category from the transaction data of the bank system in the historical period as the transaction data of the combination, and taking the transaction quantity contained in the selected transaction data as the transaction quantity of the bank system relative to the combination;
and determining a transaction matrix of the banking system in the historical period, wherein the rows of the transaction matrix correspond to the customer categories, the columns of the transaction matrix correspond to the business categories, and the value of each element of the transaction risk matrix is equal to the transaction amount of the banking system about the combination of the customer category and the business category corresponding to the element.
15. The apparatus of claim 12, wherein each banking system is specifically configured to:
determining a customer category and a service category corresponding to each transaction data of the bank system in a subsequent period to be selected;
for each combination consisting of the customer category and the business category, selecting a combination consisting of the corresponding customer category and the business category from the transaction data of the bank system in the subsequent period to be selected as the transaction data of the combination, and taking the proportion of the transaction data related to risks in the selected transaction data as the risk proportion of the bank system about the combination;
and determining a transaction risk matrix corresponding to the banking system, wherein rows of the transaction risk matrix correspond to customer categories, columns of the transaction risk matrix correspond to business categories, and the value of each element of the transaction risk matrix is equal to the risk ratio of the banking system on the combination of the customer categories and the business categories corresponding to the element.
16. The apparatus of claim 11, wherein each banking system is specifically configured to:
according to the row number and the column number of the transaction risk matrix corresponding to each bank system, 0 is supplemented to the transaction risk matrix corresponding to the bank system, and a transaction risk square matrix corresponding to the bank system is obtained;
taking the characteristic value of the transaction risk square matrix corresponding to the bank system as the characteristic value corresponding to the bank system;
and determining a reference bank system according to the characteristic value corresponding to the bank system.
17. The apparatus of claim 10, wherein the first banking system is further operative to:
taking the client corresponding to the first client information as a starting client and taking the client corresponding to the second client information as an end client;
determining related customers corresponding to the information modification request according to the starting point customer, the destination customer, potential related customers corresponding to each customer and related indexes of each customer and the corresponding potential related customers, wherein the potential related customers are prestored in the first bank system;
and according to the relevant client corresponding to the information modification request, the first bank system performs face recognition on the client.
18. The apparatus of claim 17, wherein the first banking system is specifically configured to:
taking potential relevant customers of which the relevant indexes with the starting point customer are greater than a relevant threshold value from the potential relevant customers corresponding to the starting point customer as candidate customers;
and for each customer to be selected, if the relevant indexes of the customer to be selected and the terminal customer are greater than the relevant threshold, taking the customer to be selected as the relevant customer corresponding to the information modification request.
19. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any of claims 1 to 9 when executing the computer program.
20. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program which, when executed by a processor, implements the method of any of claims 1 to 9.
21. A computer program product, characterized in that the computer program product comprises a computer program which, when being executed by a processor, carries out the method of any one of claims 1 to 9.
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| CN202211401816.6A CN115600247A (en) | 2022-11-10 | 2022-11-10 | Method and device for changing customer information |
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| CN202211401816.6A CN115600247A (en) | 2022-11-10 | 2022-11-10 | Method and device for changing customer information |
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