TWI650716B - Automated verification method and system thereof - Google Patents

Abstract

The present invention provides an automated verification method, comprising the following steps: First, a processing unit receives a biometric information, a ID card image, a mobile phone number, a mobile phone identification code, and an address information from a client device. . Then, the processing unit determines a first verification result according to the biometric information, determines a second verification result by using the identity card image, determines a third verification result by using the mobile phone number and the mobile phone identification code, and utilizes The address information determines a fourth verification result. The first, second, third, and fourth verification results are automatically transmitted to a review system for the review system to review the consumer financial products requested by the client device.

Description

Automated verification method and system thereof

The invention relates to a verification method and a system thereof, in particular to an automatic verification method and a system thereof which do not require manual processing.

In today's market, consumer financial products are based on manual trial of application cases for customers handling consumer financial products (such as credit cards, credit loans, etc.). It is common practice for customers to obtain a written application form from the business personnel of different offline channels. The business personnel will then send the application form with the relevant information and relevant supporting documents to the bank, and the special review personnel will carry out the data on a case-by-case basis. Verification, credit note and review.

Because the customer fills in the relevant information on the written application form and attaches the supporting documents to the bank's reviewers for review, the shortcomings caused by this method are as follows: 1. Manual verification of relevant materials must bear higher labor costs, and then Although the verification has a standard operating procedure, it still has inconsistent judgment results due to the experience of the verifier. Second, the authenticity of the relevant information is not easily verified in the written documents, and must be additionally external to the third party. Unit verification; Third, because the verification operation is time consuming, it is difficult for customers to know whether their application has been approved within a short period of time.

Accordingly, it is an object of the present invention to provide an automated verification method.

Therefore, the present invention is for providing an automatic verification method, which is implemented by an automatic verification system, which includes a communication unit, a storage unit and a processing unit, the communication unit is connected to a client device via a network, and a review is performed. The system, a joint credit server provided by the joint credit center, and a telecommunications server set up by the telecommunications company, wherein the storage unit stores a customer account, the automated verification method comprising the following steps:

The step (a) is that the processing unit receives the customer account number from the client device via the communication unit, and determines that the customer account number in the storage unit matches.

The step (b) is that the processing unit receives, via the communication unit, a biometric information, an identity card image, a mobile phone number, a mobile phone identification code, and an address information from the client device.

The step (c) is to obtain a first verification result according to the biometric information.

The step (d) is that the processing unit analyzes the identity card image to obtain an identity card number and a replacement information, and the processing unit transmits the identity card number to the joint credit server through the communication unit to obtain an external exchange. The information is supplemented, and it is determined whether the replacement information and the external replacement information match to obtain a second verification result.

The step (e) is that the processing unit transmits the mobile phone number and the mobile phone identification code to the telecommunication server via the communication unit, and determines a third verification result according to a real name verification message sent from the telecommunication server.

The step (f) is that the processing unit converts the address information into a geographic coordinate, and transmits the mobile phone number and the geographic coordinates to the telecommunication server via the communication unit, and determines a distance according to a distance from the telecommunication server reply. Fourth verification result.

The step (g) is that the processing unit transmits the first verification result, the second verification result, the third verification result, and the fourth verification result to the review system via the communication unit.

In some implementations of the method, the storage unit further stores a pair of biometric archives corresponding to the customer account, and in the step (c), the processing unit determines whether the biometric archive is consistent with the biometric information. The first verification result.

In some implementations of the method, in the step (b), the processing unit further receives a financial document image from the client device via the communication unit, and the step (e) and the step ( f) further comprising a step (h): the processing unit analyzes the financial proof file image, determines whether to falsify to obtain a fifth verification result, and in the step (g), the processing unit further via the communication unit The fifth verification result is transmitted to the review system.

In some implementations of the method, in the step (b), the address information is a home address information, the geographic coordinates are a home geographic coordinate, and the distance is a home away distance, and the processing unit is connected by the communication The unit further receives a company address information from the client device, wherein in the step (f), the processing unit further converts the company address information into a company geographic coordinate, and transmits the information to the telecommunication server via the communication unit. And determining, according to a distance from the telecommunications server, a sixth verification result, in the step (g), the processing unit further transmits the sixth verification result to the review system via the communication unit.

In some implementations of the method, the automated verification system further includes a telecommunications transceiver unit via which the Labor Insurance Bureau telephone voice server set up by the Labor Insurance Bureau is connected, and the step (f) and the step (g) further includes a step (i): the processing unit dials a call to the Labor Insurance Office telephone voice server via the telecommunication transceiver unit and inputs the identity card number by audio, according to the telephone voice server from the Labor Insurance Bureau In the insured state of the voice response, a seventh verification result is determined. In the step (g), the processing unit further transmits the seventh verification result to the review system via the communication unit.

Furthermore, it is another object of the present invention to provide an automated verification system.

Therefore, the automatic verification system of the present invention is applicable to a connection-client device, a review system, a joint credit server set up by the joint credit center, and a telecommunication server set up by the telecommunication company. The automated verification system includes a communication unit, a storage unit, and a processing unit.

The communication unit connects the client device, the review system, the joint credit server, and the telecommunications server via a network.

The storage unit stores a customer account number.

The processing unit is electrically connected to the communication unit and the storage unit, and the processing unit receives the customer account number from the client device via the communication unit, and determines that the customer account number in the storage unit matches, and then the processing unit passes the The communication unit receives a biometric information, a ID card image, a mobile phone number, a mobile phone identification code, and an address information from the client device.

The processing unit obtains a first verification result according to the biometric information.

The processing unit analyzes the identity card image to obtain an identity card number and a replacement information, and the processing unit transmits the identity card number to the joint information server to obtain an external replacement collar information through the communication unit, and determines the Whether the replacement information and the external replacement information match or not obtain a second verification result.

The processing unit transmits the mobile phone number and the mobile phone identification code to the telecommunication server via the communication unit, and determines a third verification result according to a real name verification message sent from the telecommunication server.

The processing unit respectively converts the address information into a geographic coordinate, and transmits the mobile phone number and the geographic coordinates to the telecommunication server via the communication unit, and determines a fourth verification result according to a distance from the telecommunication server reply.

The processing unit transmits the first verification result, the second verification result, the third verification result, and the fourth verification result to the review system via the communication unit.

In some implementations of the system, the storage unit further stores a pair of biometric archives corresponding to the customer account, and the processing unit determines the biometric archive and obtains the first verification result according to whether the biometric information matches.

In some implementations of the system, the processing unit further receives a financial document image from the client device via the communication unit, and the processing unit analyzes the financial document image to determine whether to fake Obtaining a fifth verification result, and finally, the processing unit further transmits the fifth verification result to the review system via the communication unit.

In some implementations of the system, the address information is a home address information, the geographic coordinate is a home geographic coordinate, and the distance is a distance from the home, and the processing unit receives the customer from the communication unit. a company address information of the end device, wherein the processing unit further converts the company address information into a company geographic coordinate, and transmits the information to the telecommunication server via the communication unit, and determines according to a distance from the telecommunications server A sixth verification result, finally, the processing unit further transmits the sixth verification result to the review system via the communication unit.

In some implementations of the system, the automated verification system further includes a telecommunications transceiver unit via which a labor insurance bureau telephone voice server set up by the labor insurance bureau is connected, and the processing unit is connected to the telecommunications transceiver unit via the telecommunications transceiver unit Making a call to the Labor Insurance Bureau telephone voice server and inputting the identity card number in audio, and determining a seventh verification result according to a security status replied from the telephone voice server of the Labor Insurance Bureau, and finally, the processing unit passes the The communication unit further transmits the seventh verification result to the review system.

The effect of the invention is that the automatic verification system automatically receives relevant data from the client device, and the processing unit can immediately judge the authenticity according to the relevant data, and can also connect to the joint credit server, the telecommunication server or the labor insurance bureau. The voice server, which quickly completes the verification and transmits the entire verification result to the review system, improves the disadvantages of using the written application and manual work on the verification procedure.

Referring to FIG. 1, an embodiment of the automated verification method of the present invention is implemented by an automated verification system 1 including a communication unit 11, a telecommunications transceiver unit 12, a storage unit 13, and a processing unit 14. In this embodiment, the communication unit 11 is a network device using an internet protocol, and the telecommunication transceiver unit 12 is an existing telephone interface card, and can control the general voice call by using a program. The storage unit 13 is a storage medium such as a hard disk. The processing unit 14 is a main computer component including a central processing unit, a memory, and a motherboard. Specifically, the processing unit 14 further includes a display processing module having a graphics processing unit (GPU) for assisting the operation of the central processing unit.

The communication unit 11 is connected to a client device 2, a review system 3, a joint credit server 4, and a telecommunications server 5 via a network. In this embodiment, the client device 2 is a personal computer or mobile device operated by a user applying for a consumer financial product. The review system 3 is set up by the bank, and the main purpose is to receive the result of the automated verification system 1 and determine whether to grant the user the service for applying for the consumer financial product. The joint credit information server 4 is a computer host set up by the joint credit information center. In addition to the bank for inquiring about the credit information of a particular citizen, the identity information can also be queried, such as the replacement information of the identity card. The telecommunications server 5 is a computer host set up by a telecommunications company. When the public applies for the mobile phone number of the mobile device, the telecommunication company records the identity information of the real name of the public. In addition, the telecommunication company can also provide the service if the inquiry is made. Providing a designated address, a specific time period (such as 9 am to 5 pm), and a designated mobile phone number, the telecommunication company's telecommunications server 5 can be returned by calculation for a period of time (such as one month), the designation The maximum distance, the minimum distance, or the average distance of the mobile device corresponding to the mobile phone number from the specified address during the specific time period. If the average distance is taken as an example, the lower the value of the average distance represents the mobile device in a certain time period. Most of the time is at or near the specified address.

The telecommunications transceiver unit 12 can be controlled by the processing unit 14 to make a call to a Labor Insurance Bureau telephone voice server 6 set up by the Labor Insurance Bureau to simulate a real person calling the Labor Insurance Bureau, inputting specified information on the telephone keypad and obtaining the effect of the labor insurance data. . Among them, the way to obtain labor insurance information is to listen to the voice message in the voice call, and then use the voice recognition technology to convert to text for subsequent judgment.

The storage unit 13 stores a customer account and a pair of biometric archives that should be the customer's account. The customer account is for the user who intends to apply for the consumer financial product to log in on the client device 2, and the biometric archive may be the fingerprint data corresponding to the client account, the facial feature data, the voiceprint data, the iris data, and the like. But it is not limited to this.

The processing unit 14 is electrically connected to the communication unit 11, the telecommunication transceiver unit 12, and the storage unit 13, and the processing unit 14 executes a program to perform the automatic verification method of the embodiment.

Referring to Figures 1 and 2, an embodiment of the automated verification method of the present invention comprises the following steps:

First, as shown in step S1, the processing unit 14 receives the customer account number from the client device 2 via the communication unit 11, and then, as shown in step S11, the processing unit 14 determines whether the received customer account number is The customer accounts in the storage unit 13 match, and if they match, the process proceeds to step S2; if they do not match, the customer account must be re-received. In the step S1 and the step S11, the main purpose is to require the user to initially confirm the identity through the login procedure.

Then, as shown in step S2, the processing unit 14 receives, via the communication unit 11, a biometric information, an identity card image, a mobile phone number, a mobile phone identification code, and a message uploaded from the client device 2. Home address information, a company address information, and a financial proof document image. In this embodiment, the biometric information is fingerprint information or facial feature information, but is not limited thereto, and may be a biometric confirmation command generated by the client device 2 after the biometric identification is completed by itself. The identity card image is a JPG or GIF format electronic image file of a card. The mobile phone identification code is a PIN code corresponding to the telecommunication SIM card, and the PIN code usually corresponds to the mobile phone number, wherein the mobile phone identification code can also be a device ID or a media access control. Unique code such as MAC Address. The address information of the home and the address information of the company are an address name, such as No. 1 Section of Zhongshan North Road, Zhongshan District, Taipei City. The financial proof document image is a JPG or GIF format electronic image file of multiple bank passbooks, including the cover, back, and inner pages of the payroll passbook, but is not limited thereto, and may also be various incomes, such as a list of income and Withholding vouchers, etc. In particular, if the user does not currently have a current job or does not have any income, there may be no company address information or an image of the financial document.

Furthermore, as shown in step S3, the processing unit 14 determines whether the biometric archive and the biometric information match, and obtains a first verification result. Due to the uncertainty of the biometrics, the first verification result records the matching proportion. If the matching ratio is higher than a threshold, the user corresponding to the customer account is confirmed to be correct. Specifically, the client device 2 can also perform biometric identification by itself, and the biometric information transmitted by the client device 2 is a biometric confirmation command, and the processing unit 14 receives the biometric confirmation command to obtain the first verification. result. The benefit of obtaining the first verification result in this way is that there is no need to store a large number of users' biometric archives in the storage unit 13, reducing the information security risk.

Referring to FIG. 1, 2, and 3, then, as shown in step S4 and sub-step S41, the processing unit 14 analyzes the identity card image to obtain an identity card number and a replacement information. The ability of the processing unit 14 to acquire text data in a specific field in the image is an Optical Character Recognition (OCR) technique. Then, as shown in sub-step S42, the processing unit 14 transmits the identity card number to the joint credit server 4 through the communication unit 11, and is returned by the joint credit server 4 to obtain an external replacement collar. News. Moreover, as shown in step S43, the processing unit 14 determines whether the replacement collar information and the external replacement collar information match to obtain a second verification result, and the second verification result may be consistent or different.

Referring to FIG. 1, 2, and 4, further, as shown in step S5 and sub-step S51, the processing unit 14 transmits the mobile phone number and the mobile phone identification code to the telecommunication server 5 via the communication unit 11, using the telecommunication. The company can collect real personal data stored by the mobile phone user on the telecommunications server 5 for inquiry. Then, as shown in the sub-step of S52, the processing unit 14 determines a third verification result according to a real-name verification message replied from the telecommunication server 5, and the third verification result may be coincident or different.

Referring to FIG. 1 and FIG. 2, next, as shown in step S6, the processing unit 14 analyzes the financial proof document image, that is, the cover, the back, and the inner page of the salary passbook of the embodiment, and determines whether the income is reasonable (including falsehood). Obtaining a fifth verification result, the fifth verification result may be the obtained amount, normal or abnormal. In the present embodiment, the processing unit 14 also uses the optical character recognition or machine learning identification to determine the cover and back of the paybook passbook, and identifies which bank passbook is used. In addition, the processing unit 14 can further identify: in the inner page of the passbook: one, the header field, two, the hurdle balance check; three, horizontal line check; and four, font consistency. The detection of the inside page of the identified passbook can determine whether the obtained amount and the information of the inside page of the passbook have been tampered with, and are used to maliciously falsify the income information.

Referring to FIG. 1, 2, and 5, then, as shown in step S7 and sub-step S71, the processing unit 14 converts the home address information and the company address information into a home geographic coordinate and a company geographic coordinate, respectively. Among them, the geographic coordinates of the home and the geographical coordinates of the company are coordinate data of the coordinates of the latitude and longitude, and the way of converting the text address to the geographic coordinates can be achieved by using techniques such as the Google Map API. As described in the foregoing paragraph, due to the inquiry service provided by the telecommunication company, the processing unit 11 sets the mobile phone number, the home geographic coordinates, the company's geographic coordinates, and a specific time period (such as 9 am) as shown in step S72. Point to 5 pm) is transmitted to the telecommunication server 5 via the communication unit 11. Through the calculation of the telecommunication server 5, as shown in step S73, the processing unit 14 receives a distance from the telecommunication server 5 and a distance from the company via the communication unit 11, and determines a fourth verification result and a The sixth verification result. The distance between the home and the distance from the company in the embodiment refers to an average distance from the home and an average distance from the company, but may also be a maximum distance from the home and a maximum distance from the company, or a minimum departure from the company. Distance and a minimum distance from the company. The average distance from the home is compared with a threshold (such as 20 meters). If the average distance from home is less than or equal to the threshold, the fourth verification result is reasonable; otherwise, if the average distance from home is greater than or equal to The threshold value is unreasonable, that is, the mobile device corresponding to the mobile phone number is often not in the home address during the certain period of time (eg, one month) queried by the telecommunications company. The home address information filled out on behalf of the user may not be true information. Similarly, if the average distance from the company is less than or equal to the threshold, the sixth verification result is reasonable; conversely, if the average distance from the company is greater than the threshold, the sixth verification result is unreasonable.

Referring to Figures 1, 2, and 6, then, as shown in step S8 and sub-step S81, the processing unit 11 makes a call to the Labor Server telephone voice server 6 via the telecommunications transceiver unit 12 and inputs the identity on the audio analog telephone keypad. Certificate number. After a series of telephone voice simulating operations, as shown in step S82, the processing unit 11 listens to a policy of voice response from the labor server telephone voice server 6 via the telecommunications transceiver unit 12, and converts it into a corresponding value or flag. To determine a seventh verification result, the seventh verification result may be insured and not insured.

Referring to FIG. 1 and FIG. 2, the processing unit 14 transmits the first verification result, the second verification result, the third verification result, and the fourth verification result, and the fourth verification result, via the communication unit 11, as shown in step S9. 5. The verification result, the sixth verification result, and the seventh verification result are sent to the review system 3, and the review system 3 can perform subsequent review operations according to the verification results, and determine whether to grant the user the enjoyment of consumption. Services for financial products.

In summary, the automatic verification method and system thereof of the present invention automatically receive relevant data from the client device 2 by computerized program control, and immediately judge or connect to the specified joint credit server according to relevant data. Device 4, telecommunication server 5 or labor insurance bureau telephone voice server 6, quickly complete the verification and transmit the verification result to the review system, which solves the shortcomings of using the written application operation and the manual operation for verification in the past, so it is possible to achieve this. The purpose of the invention.

However, the above is only the embodiment of the present invention, and the scope of the invention is not limited thereto, and all the equivalent equivalent changes and modifications according to the scope of the patent application and the patent specification of the present invention are still The scope of the invention is covered.

1‧‧‧Automated verification system

11‧‧‧Communication unit

12‧‧‧Telecom transceiver unit

13‧‧‧ storage unit

14‧‧‧Processing unit

2‧‧‧Client device

3‧‧‧Review system

4‧‧‧Joint Credit Server

5‧‧‧Telecom server

6‧‧‧Labor Bureau Telephone Voice Server

S1~S9‧‧‧Steps

S11‧‧ steps

S41~S43‧‧‧ substeps

Substeps S51~S52‧‧

S71~S73‧‧‧ substeps

S81~S82‧‧‧ substeps

Other features and advantages of the present invention will be apparent from the embodiments of the drawings, wherein: Figure 1 is a system block diagram illustrating an automated verification system of the present invention; and Figures 2 through 6 are respectively A flow block diagram illustrating the automated verification method of the present invention.

Claims (8)

An automated verification method is implemented by an automated verification system, which includes a communication unit, a storage unit and a processing unit. The communication unit is connected to a client device, a review system, and a joint sign via a network. a joint credit server provided by the letter center, and a telecommunications server set up by the telecommunications company, wherein the storage unit stores a customer account and a pair of biometric archives corresponding to the customer account, the automated verification method includes the following steps : (a) the processing unit receives the client account from the client device via the communication unit, and determines that the client account in the storage unit matches; (b) the processing unit receives the client from the client via the communication unit a biometric information of the device, a fingerprint image, a mobile phone number, a mobile phone identification code, and an address information; (c) the processing unit determines whether the biometric archive and the biometric information match to obtain a first Verification result; (d) the processing unit analyzes the identity card image to obtain an identity card number and a replacement collar The processing unit transmits the identity card number to the joint credit server through the communication unit to obtain an external replacement collar information, and determines whether the replacement collar information and the external replacement collar information match to obtain a second verification result. (e) the processing unit transmits the mobile phone number via the communication unit And the mobile phone identification code to the telecommunication server, determining a third verification result according to a real name verification message from the telecommunication server reply; (f) the processing unit converting the address information to a geographic coordinate, and communicating via the communication Transmitting the mobile phone number and the geographic coordinates to the telecommunications server, determining a fourth verification result based on a distance from the telecommunications server reply; and (g) transmitting, by the processing unit, the first verification via the communication unit The result, the second verification result, the third verification result, and the fourth verification result are sent to the review system. The automatic verification method according to claim 1, in the step (b), the processing unit further receives an image of the financial document from the client device via the communication unit, and the step (e) and the step (f) further includes a step (h): the processing unit analyzes the financial document image to determine whether to counterfeit to obtain a fifth verification result, and in the step (g), the processing unit passes the communication unit The fifth verification result is further transmitted to the review system. The automatic verification method according to claim 1, wherein in the step (b), the address information is a home address information, the geographic coordinate is a home geographic coordinate, and the distance is a distance from the home, and the processing unit passes the The communication unit further receives a company address information from the client device, wherein in the step (f), the processing unit further converts the company address information into a company geographic coordinate, and transmits the information to the telecommunication server via the communication unit. Determining a sixth verification result based on a distance from the company replied by the telecommunications server, In the step (g), the processing unit further transmits the sixth verification result to the review system via the communication unit. The automatic verification method according to claim 1, further comprising a telecommunication transceiver unit, connected to a labor insurance telephone voice server set by the labor insurance bureau via the telecommunication transceiver unit, and the step (f) and the Step (g) further comprises a step (i): the processing unit makes a call to the Labor Insurance Bureau telephone voice server via the telecommunication transceiver unit and inputs the identity card number by audio, according to the telephone voice server from the labor insurance bureau In a guaranteed state of voice reply, a seventh verification result is determined. In the step (g), the processing unit further transmits the seventh verification result to the review system via the communication unit. An automatic verification system is applicable to a connection-client device, a review system, a joint credit server set up by a joint credit center, and a telecommunication server set up by a telecommunication company, the automatic verification system The method comprises: a communication unit, connecting the client device, the levy system, the joint credit server, and the telecommunication server via a network; a storage unit, storing a customer account, and a pair of creatures corresponding to the customer account And a processing unit, electrically connecting the communication unit and the storage unit, the processing unit receiving the customer account from the client device via the communication unit, determining that the customer account number in the storage unit is consistent, and then, The Receiving, by the processing unit, a biometric information, an identity card image, a mobile phone number, a mobile phone identification code, and an address information from the client device, the processing unit determines the biometric file and the Whether the biometric information matches the first verification result, the processing unit analyzes the identity card image to obtain an identity card number and a replacement information, and the processing unit transmits the identity card number to the joint credit information through the communication unit. The server obtains an external replacement collar information, determines whether the replacement collar information and the external replacement collar information match to obtain a second verification result, and the processing unit transmits the mobile phone number and the mobile phone identification code via the communication unit. Determining, by the telecom server, a third verification result according to a real name verification message sent from the telecommunication server, the processing unit respectively converting the address information into a geographic coordinate, and transmitting the mobile phone number and the communication unit via the communication unit Geographic coordinates to the telecommunications server, based on a distance from the telecommunications server A fourth verification result is determined, the processing unit transmits the first authentication result via the communication unit, the second verification result of the third authentication result and said fourth authentication result to the intrinsic trial system. The automated verification system of claim 5, wherein the processing unit further receives a financial proof file from the client device via the communication unit. For example, the processing unit analyzes the financial certification document image, determines whether to falsify to obtain a fifth verification result, and finally, the processing unit further transmits the fifth verification result to the review system via the communication unit. The automatic verification system of claim 5, wherein the address information is a home address information, the geographic coordinate is a home geographic coordinate, and the distance is a home away distance, and the processing unit receives the same from the communication unit. a company address information of the client device, wherein the processing unit further converts the company address information into a company geographic coordinate, and transmits the information to the telecommunication server via the communication unit, according to a distance from the company replied by the telecommunication server, A sixth verification result is determined. Finally, the processing unit further transmits the sixth verification result to the review system via the communication unit. The automated verification system of claim 5, further comprising a telecommunications transceiver unit via which a labor insurance bureau telephone voice server set up by the labor insurance bureau is connected, and the processing unit calls the telecommunications transceiver unit via the telecommunications transceiver unit The Labor Insurance Bureau telephone voice server inputs the identity card number by audio, and determines a seventh verification result according to an insurance state from the telephone voice server of the Labor Insurance Bureau, and finally, the processing unit further transmits the seventh verification result. The seventh verification result is transmitted to the review system.