TWI825371B - Device and method of legal person real-name authentication - Google Patents

Abstract

A method of corporate real-name authentication, including: obtaining a first photo and a second photo from a terminal device, wherein the first photo includes a first document image and the second photo includes a second document image and a face image. Capturing the first document image from the first photo and capturing the second document image and the face image from the second photo. Performing identity verification on the face image to generate a first verification result, wherein the identity verification compares whether the face image matches a pre-stored person’s image. Obtaining registration data from a first external server and comparing whether the first document image matches the registration data to generate a second verification result. Comparing the first document image and the second document image to generate a third verification result.

Description

Legal person real-name authentication device and method

The present disclosure relates to a real-name authentication technology, and in particular, to a legal person real-name authentication device and method.

Fintech uses new technological means such as the Internet to break the old financial service model. It uses software and algorithms on computers and smartphones to help the financial industry and consumers better manage financial operations, payments, Financial services such as deposits and loans, insurance, market information provision, investment management or financing. More and more financial institutions have begun to provide customers with a variety of financial services that could only be obtained in person through the Internet, making the financial industry more efficient.

However, depending on different financial service projects, such as corporate credit loan services, in addition to the natural person identity verification, the person in charge of the company also needs to verify the company's legal person information. Therefore, how to efficiently carry out the legal person information authentication process is a technical issue worthy of attention in financial technology projects that provide unmanned financial services.

In view of this, the present disclosure provides a legal person real-name authentication device and method, which can efficiently complete the legal person real-name authentication process in unmanned financial service projects.

Embodiments of the present disclosure provide a legal person real-name authentication device, which is suitable for performing online real-name authentication for enterprises. The legal person real-name authentication device includes: a transceiver, which is connected to the terminal device through communication; a storage medium, which stores multiple modules and images of the person in charge; and a processor, coupled to the storage medium and the transceiver, and accessing and executing multiple modules, wherein the multiple modules include: a data collection module to obtain the first photo and the second photo from the terminal device through the transceiver, The first photo includes a first document image, and the second photo includes a second document image and a face image; the image processing module captures the first document image from the first photo, and captures the second document from the second photo. image and face image; and a verification module that performs identity verification on the face image to generate a first verification result, in which the identity verification compares whether the face image matches the image of the person in charge, and the verification module transmits the first verification result through the transceiver. The external server obtains the registration data and compares the first document image with the registration data to generate a second verification result, wherein the verification module compares the first document image and the second document image to generate a third verification result. The first verification result, the second verification result and the third verification result determine whether the online real-name authentication is passed to generate a legal person real-name authentication result, and output the legal person real-name authentication result through the transceiver.

Embodiments of the present disclosure provide a legal person real-name authentication method, which is suitable for performing online real-name authentication for enterprises. The legal person real-name authentication method includes: obtaining a first photo and a second photo from a terminal device, where the first photo includes a first document image, The second photo includes a second document image and a face image; the first document image is captured from the first photo, and the second document image and the face image are captured from the second photo; identity verification is performed on the face image to generate The first verification result, in which the identity verification compares whether the face image is consistent with the pre-stored image of the person in charge; the registration data is obtained from the first external server, and the first document image is compared with the registration data to generate the second verification result ; Compare the first document image and the second document image to generate a third verification result; and determine whether the online real-name authentication is passed based on the first verification result, the second verification result and the third verification result to generate a legal person real-name authentication result, and output Legal person real-name authentication results.

Based on the above, embodiments provided by the present disclosure can obtain a first photo containing legal person information and a second photo including a face image and legal person information from a terminal device, and compare whether the face image and the image of the responsible person who has passed identity verification are matching to generate a first verification result, obtaining registration information from the first external server to compare the legal person information of the first document image to generate a second verification result, comparing the first photo and the second photo to generate a third verification result, Determine whether the online real-name authentication is passed based on the first verification result, the second verification result and the third verification result to generate a legal person real-name authentication result. In this way, after the person in charge of the company completes the natural person identity verification, the person in charge and the company's legal person information can be matched through multi-party verification results, and the legal person real-name authentication process can be completed efficiently in unmanned financial service projects.

Some embodiments of the present disclosure will be described in detail below with reference to the accompanying drawings. The component symbols cited in the following description will be regarded as the same or similar components when the same component symbols appear in different drawings. These embodiments are only part of the disclosure and do not disclose all possible implementations of the disclosure. Rather, these embodiments are merely examples of devices and methods within the scope of the patent application of the present disclosure.

FIG. 1 is a schematic diagram of a legal person real-name authentication device according to an embodiment of the present disclosure. Referring to FIG. 1 , the legal person real-name authentication device 10 may be suitable for performing online real-name authentication for enterprises. The legal person real-name authentication device 10 may include a processor 100 , a storage medium 120 and a transceiver 130 .

The processor 100 may be a central processing unit (CPU), or other programmable general-purpose or special-purpose microprocessor (Microprocessor), digital signal processor (Digital Signal Processor, DSP), programmable controller, Application Specific Integrated Circuits (ASIC), Programmable Logic Device (PLD), or other similar devices or a combination of these devices. The processor 100 can execute program codes, software modules, instructions, etc. recorded in the storage medium 120 to implement a legal person real-name authentication method according to an embodiment of the present disclosure. The processor 100 may be coupled to the storage medium 120 and the transceiver 130 .

The storage medium 120 is used to store data such as files, images, instructions, program codes or software components. The storage medium 120 may be, for example, any type of fixed or removable random access memory (RAM), read-only memory (ROM), flash memory, Hard disk drive (HDD), solid state drive (SSD) or other similar devices, integrated circuits or combinations thereof, used to store multiple modules or various applications that can be executed by the processor 100 .

In the embodiment of the present disclosure, the storage medium 120 can store data collection module 210, image processing module 213, verification module 215, optical character recognition module 217, text comparison module 223, image comparison module. Group 225, credit assurance evaluation module 230, data quality detection module 231, image quality enhancement module 233, document recognition module 235 and cross comparison module 237 and other modules, their functions will be explained later. .

The transceiver 130 transmits and receives signals in a wireless or wired manner. Transceiver 130 may also perform, for example, low noise amplification, impedance matching, mixing, up or down frequency conversion, filtering, amplification, and similar operations.

Specifically, when the person in charge of the enterprise wants to perform online real-name authentication of the enterprise through a terminal device (such as a smart phone or tablet), the legal person real-name authentication device 10 can be connected to the terminal device through communication through the transceiver 130 . The legal person real-name authentication device 10 can communicate with the terminal device to perform online real-name authentication for the enterprise.

FIG. 2 is a flow chart of a legal person real-name authentication method according to an embodiment of the present disclosure. Please refer to FIG. 2 . The method of this embodiment is applicable to the legal person real-name authentication device 10 shown in FIG. 1 . The detailed steps of the disclosed embodiment are described below with reference to various components shown in FIG. 1 .

In step S201, the data collection module 210 can obtain a first photo and a second photo from the terminal device through the transceiver 130, where the first photo includes a first document image, and where the second photo includes a second document image and a face image. .

Specifically, the first photo may be a photo of the company's business change registration form taken by the person in charge of the company using a terminal device. The second photo may be a selfie photo taken by the person in charge of the company in the same frame as the business change registration form through the terminal device. The data collection module 210 can send a message to the terminal device through the transceiver 130, thereby instructing the user of the terminal device through the message to take a selfie to generate the second photo.

In step S202, the image processing module 213 may capture a first document image from the first photo, and may capture a second document image and a face image from the second photo.

In step S203, the verification module 215 can perform identity verification on the face image to generate a first verification result, where the identity verification can compare whether the face image matches the image of the person in charge.

Specifically, in an embodiment of the present disclosure, before the person in charge of the company performs the enterprise's online real-name authentication, the person in charge of the company can complete the natural person identity verification in advance. The storage medium 120 of the legal person real-name authentication device 10 will pre-store the image of the person in charge who has completed the identity verification. When the person in charge of the company performs the enterprise's online real-name authentication, the verification module 215 can compare whether the face image captured from the second photo matches the pre-stored image of the person in charge to generate the first verification result. If the face image matches the pre-stored image of the person in charge, the first verification result may include information indicating that the person in charge of the company has passed the first verification. If the face image does not match the pre-stored image of the person in charge, the first verification result may include information indicating that the person in charge of the company has failed the first verification.

In step S204, the verification module 215 may obtain registration information from the first external server through the transceiver 130, and may compare whether the first document image matches the registration information to generate a second verification result. If the first document image matches the registration information, the second verification result may include information indicating that the person in charge of the company has passed the second verification. If the first document image does not match the registration information, the second verification result may include information indicating that the person in charge of the company has failed the second verification.

Specifically, the first external server may be a server of the Department of Commerce of the Ministry of Economic Affairs. The registration information may be the company's basic information, such as the company name, company responsible person, company unified number or company address, etc. This disclosure is not limited to this.

In step S205, the verification module 215 may compare the first document image and the second document image to generate a third verification result. Specifically, the first document image may be an image of the company's business change registration form captured in the first photo, and the second document image may be an image of the company's business change registration form captured in the second photo. If the first document image matches the second document image, the third verification result may include information representing that the person in charge of the company has passed the third verification. If the first document image does not match the second document image, the third verification result may include information indicating that the person in charge of the company failed the third verification.

In step S206, the verification module 215 can determine whether the online real-name authentication is passed based on the first verification result, the second verification result and the third verification result to generate a legal person real-name authentication result, and the verification module 215 can output the legal person's real-name authentication result through the transceiver 130. Real-name authentication results.

For example, when the first verification result, the second verification result and the third verification result are all passed, the verification module 215 determines that the online real-name authentication is passed, and the verification module 215 can output the legal person real-name authentication result through the transceiver 130 To instruct the person in charge of the company to pass the legal person real-name authentication.

In an embodiment of the present disclosure, the optical character recognition module 217 can obtain the first text information from the first document image, and can obtain the second text information from the second document image. For example, the optical character recognition module 217 can obtain the first text information from the first document image or obtain the second text information from the second document image through optical character recognition (optical character recognition, OCR) technology.

In an embodiment of the present disclosure, the text comparison module 223 can determine whether the first text information and the second text information match to generate a third verification result. If the first text information matches the second text information, the third verification result may include information representing that the person in charge of the company has passed the third verification. If the first text information does not match the second text information, the third verification result may include information indicating that the person in charge of the company has failed the third verification.

In an embodiment of the present disclosure, the image processing module 213 can capture a first image from a first document image, and the image processing module 213 can capture a second image from a second document image. The first seal and the second seal can be associated with the person in charge's seal and the company seal. The image comparison module 225 may determine whether the first print and the second print match to generate a third verification result. If the first seal matches the second seal, the third verification result may include information indicating that the person in charge of the company has passed the third verification. If the first seal does not match the second seal, the third verification result may include information indicating that the person in charge of the company has failed the third verification.

In an embodiment of the present disclosure, the first text information or the second text information may include date, basic company information or personal information of the person in charge.

After the enterprise (or the person in charge of the enterprise) completes the legal person's real-name authentication, the legal person's real-name authentication device 10 also provides further financial services for the enterprise in response to the passing of the legal person's real-name authentication. For example, the legal person real-name authentication device 10 can provide credit reporting services for enterprises that have passed legal person real-name authentication. FIG. 3 is a flow chart of a credit reporting method according to an embodiment of the present disclosure. Please refer to FIG. 3 . The method of this embodiment is applicable to the legal person real-name authentication device 10 shown in FIG. 1 . The detailed steps of the disclosed embodiment will be described below with the various components shown in FIG. 1 .

In step S301, the credit guarantee evaluation module 230 can generate a receipt check list of legal person information based on the first text information (or the second text information), and transmit the receipt check list to the terminal device through the transceiver 130.

Specifically, the credit guarantee evaluation module 230 can determine the information that needs to be collected based on the first text information to comply with the credit guarantee specifications of the Bankers Association to generate a receipt check list of legal person information. The receipt checklist may include a list of documents required to obtain the information to be retrieved as described above. The credit guarantee evaluation module 230 may send a message to the terminal device through the transceiver 130 to instruct the user of the terminal device to upload the files in the file list to meet the credit guarantee specifications of the Bankers Association.

For example, the document list of the receipt checklist may include tax report documents, balance sheet documents, profit and loss statement documents, joint credit report documents, labor insurance change details documents, or month-end insured number documents, etc. Legal person information file types , this disclosure is not limiting.

In step S302, the data collection module 210 may obtain one or more third photos corresponding to the legal person information from the terminal device, where the third photos may include third document images. For example, the third photo may include an image of a file indicated in the file list.

In step S303, the data quality detection module 231 may detect image quality parameters of the third photo, where the image quality parameters may include blur, brightness, shadow coverage ratio, image tilt or image distortion.

In step S304, the data quality detection module 231 may determine whether the image quality of the third photo is poor according to the image quality parameter. If the image quality of the third photo is not good, step S305 is entered. If the image quality of the third photo is good, step S306 is entered.

In step S305, the data quality detection module 231 may respond to the poor image quality of the third photo and output a prompt message to the terminal device through the transceiver 130 to instruct the terminal device to re-upload the third photo.

In step S306, the image quality enhancement module 233 may perform quality enhancement on the third file image, where the quality enhancement operations include tabulation, image sharpening, shadow removal, image distortion correction, or background removal.

In step S307, the document identification module 235 can identify the document type of the legal person information corresponding to the third document image, and can extract the third text information from the third document image according to the document type.

For example, legal person information can correspond to specific file types, which can include tax report files, balance sheet files, profit and loss statement files, joint credit report files, labor insurance change details files, or month-end insured number files.

In step S308, the cross comparison module 237 can determine whether the third text information conforms to the preset rules according to the preset rules corresponding to the file type to generate a credit guarantee verification result, and output the credit guarantee verification result through the transceiver 130. For example, the cross-reference module 237 can determine the information that a file corresponding to the file type should contain based on preset rules. Next, the cross-reference module 237 may generate a credit guarantee verification result in response to the third text information matching the information.

In summary, the embodiments provided by the present disclosure can obtain the first photo and the second photo from the terminal device, and compare whether the face image in the second photo matches the image of the person in charge who has passed the identity verification to generate the first verification result. , obtain registration information from the first external server, compare the legal person information of the first document image to generate a second verification result, compare the first photo and the second photo to generate a third verification result, according to the first verification result, the second The second verification result and the third verification result determine whether the online real-name authentication is passed to generate the legal person real-name authentication result. With this, after the person in charge of the company completes the natural person identity verification, the multi-party verification results can be used to match the person in charge and the company's legal person information, in an unmanned system. Efficiently complete the legal person real-name authentication process in financial services projects.

Although the disclosure has been disclosed above through embodiments, they are not intended to limit the disclosure. Anyone with ordinary knowledge in the technical field may make slight changes and modifications without departing from the spirit and scope of the disclosure. Therefore, The scope of protection of this disclosure shall be determined by the scope of the appended patent application.

10: Legal person real-name authentication device 100:processor 120:Storage media 130:Transceiver 210:Data collection module 213:Image processing module 215: Verification module 217: Optical character recognition module 223: Text comparison module 225:Image comparison module 230: Credit guarantee evaluation module 231:Data quality detection module 233:Image quality enhancement module 235:File recognition module 237: Cross comparison module S201, S202, S203, S204, S205, S206, S301, S302, S303, S304, S305, S306, S307, S308: Steps

FIG. 1 is a schematic diagram of a legal person real-name authentication device according to an embodiment of the present disclosure. FIG. 2 is a flow chart of a legal person real-name authentication method according to an embodiment of the present disclosure. FIG. 3 is a flow chart of a credit reporting method according to an embodiment of the present disclosure.

10: Legal person real-name authentication device

100:processor

120:Storage media

130:Transceiver

210:Data collection module

213:Image processing module

215: Verification module

217: Optical character recognition module

223: Text comparison module

225:Image comparison module

230: Credit guarantee evaluation module

231:Data quality detection module

233:Image quality enhancement module

235:File recognition module

237: Cross comparison module

Claims (9)

A legal person real-name authentication device, suitable for performing online real-name authentication for enterprises, wherein the legal person real-name authentication device includes: a transceiver, which is connected to the terminal device through communication; a storage medium, which stores multiple modules and images of the person in charge; and a processor, Coupling the storage medium and the transceiver, and accessing and executing the plurality of modules, wherein the plurality of modules include: a data collection module to obtain from the terminal device through the transceiver A first photo and a second photo, wherein the first photo includes a first document image, wherein the second photo includes a second document image and a face image; the image processing module captures the image from the first photo the first document image, and capture the second document image and the face image from the second photo; and a verification module, perform identity verification on the face image to generate a first verification result, wherein The identity verification compares whether the face image matches the image of the person in charge, wherein the verification module obtains registration information from a first external server through the transceiver and compares the first document image Whether it is consistent with the registration information to generate a second verification result, wherein the verification module compares the first document image and the second document image to generate a third verification result. According to the first verification result, The second verification result and the third verification result determine whether the online real-name authentication is passed to generate The legal person's real-name authentication result is outputted through the transceiver, and the plurality of modules further include: an optical character recognition module that obtains the first text information from the first document image, wherein the The first text information includes the date, basic company information and personal information of the person in charge; and the credit guarantee evaluation module, in response to the legal person's real-name authentication result being passed, generates a receipt check list of the legal person's information based on the first text information, And transmit the receipt check list to the terminal device through the transceiver, wherein the credit guarantee evaluation module determines the information that needs to be collected based on the first text information, and determines the credit guarantee in line with the Bank Association. Standards are used to generate a receipt checklist for the legal person information, wherein the receipt checklist indicates the information that needs to be collected. The legal person real-name authentication device according to claim 1, wherein the plurality of modules further includes: a text comparison module, wherein the optical character recognition module further obtains second text information from the second document image. , and the text comparison module determines whether the first text information matches the second text information to generate the third verification result. The legal person real-name authentication device according to claim 2, wherein the image processing module captures a first stamp from the first document image and captures a second stamp from the second document image, wherein the The plurality of modules further include: an image comparison module, which determines whether the first pattern and the second pattern match to generate the third verification result. The legal person real-name authentication device according to claim 3, wherein the first seal and the second seal are associated with a person-in-charge seal and an enterprise company seal. The legal person real-name authentication device according to claim 1, wherein the data collection module obtains a third photo corresponding to the legal person information from the terminal device, wherein the third photo includes a third document image, wherein the The multiple modules further include: a data quality detection module that detects image quality parameters of the third photo, where the image quality parameters include blur, brightness, shadow coverage ratio, image tilt, and image distortion. At least one of them, wherein the data quality detection module determines that the image quality of the third photo is poor according to the image quality parameter, and reflects that the image quality of the third photo is poor. And a prompt message is output to the terminal device through the transceiver to instruct the terminal device to re-upload the third photo. The legal person real-name authentication device according to claim 5, wherein the plurality of modules further includes: an image quality enhancement module for quality enhancement of the third document image, wherein the quality enhancement operation includes table values at least one of image sharpening, shadow removal, image distortion correction, and background removal. The legal person real-name authentication device according to claim 5, wherein the legal person information corresponds to a file type, and the plurality of modules further include: a file identification module that identifies the legal person information corresponding to the third document image. the file type, and extract third text information from the third file image according to the file type. The legal person real-name authentication device according to claim 7, wherein the plurality of modules further include: a cross comparison module, which determines whether the third text information conforms to the preset rules corresponding to the file type. Rules are preset to generate a credit guarantee verification result, and the credit guarantee verification result is output through the transceiver. A legal person real-name authentication method, suitable for performing online real-name authentication for enterprises, wherein the legal person real-name authentication method includes: obtaining a first photo and a second photo from a terminal device by a processor, wherein the first photo includes a first document image , wherein the second photo includes a second document image and a face image; the processor captures the first document image from the first photo, and captures the second document image from the second photo. The document image and the face image; the processor performs identity verification on the face image to generate a first verification result, wherein the identity verification compares whether the face image matches the pre-stored image of the person in charge ; The processor obtains the registration data from the first external server, and compares the first document image with the registration data to generate a second verification result; the processor compares the first The document image and the second document image are used to generate a third verification result; the processor determines whether the online real-name authentication is passed based on the first verification result, the second verification result and the third verification result. To generate a legal person real-name authentication result, and output the legal person real-name authentication result; In response to the legal person's real-name authentication result being passed, the processor obtains the first text information from the first document image, wherein the first text information includes the date, basic company information and personal information of the person in charge; and from the The processor generates a receipt check list of legal person information based on the first text information, and sends the receipt check list to the terminal device, wherein the credit guarantee evaluation module determines the required requirements based on the first text information. The information to be collected is collected and a receipt check list of the legal person's information is generated in compliance with the credit guarantee specifications of the Bankers Association, wherein the receipt check list indicates the information to be collected.

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