WO2019109521A1 - Procédé, appareil et dispositif de validation d'identité pour un entretien vidéo et support d'enregistrement lisible - Google Patents

Procédé, appareil et dispositif de validation d'identité pour un entretien vidéo et support d'enregistrement lisible Download PDF

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Publication number
WO2019109521A1
WO2019109521A1 PCT/CN2018/074996 CN2018074996W WO2019109521A1 WO 2019109521 A1 WO2019109521 A1 WO 2019109521A1 CN 2018074996 W CN2018074996 W CN 2018074996W WO 2019109521 A1 WO2019109521 A1 WO 2019109521A1
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WIPO (PCT)
Prior art keywords
face
tab
video
lender
description
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Application number
PCT/CN2018/074996
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English (en)
Chinese (zh)
Inventor
孙中熙
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平安科技(深圳)有限公司
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Publication of WO2019109521A1 publication Critical patent/WO2019109521A1/fr

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03Credit; Loans; Processing thereof

Definitions

  • the present application relates to the field of financial technologies, and in particular, to a video face sign identity review method, apparatus, device, and computer readable storage medium.
  • the face-to-face sign refers to the formalities for the lender (together with the co-payer or guarantor) to carry the original legally valid documents, the hand-written and the cost of the loan to the loan bank to pay the loan and conduct interviews and signatures.
  • a face-to-face check is a formal requirement for applying for a loan from a bank.
  • the main purpose of the present application is to provide a video face sign identity review method, device, device and computer readable storage medium, which aims to solve the technical problem that the face visa face signing time is too long and the efficiency is low.
  • the present application provides a video face-to-face identity review method, and the method includes:
  • the detailed information of the loan application corresponding to the video face-to-face request is obtained according to the video face-to-face request;
  • the step of reviewing the video face-to-face personnel according to the lender description in the tab includes:
  • the step of generating a corresponding tab according to the detailed information of the loan application and the description of the lender includes:
  • the tab specified by the tab generation instruction is generated according to the stored detailed information required for generating the tab and the loaner description.
  • the method further includes:
  • the closed state of the tab it is controlled whether a single tab can be closed or whether multiple tabs can be closed at the same time.
  • the method further includes:
  • the method before the step of acquiring the detailed information of the loan application corresponding to the video face sign request according to the video face sign request, the method further includes:
  • the method before the step of assigning the face-to-face auditor corresponding to the extracted job number to the face-to-face auditor of the video face-to-face request, the method further includes:
  • the idle face-to-face auditor is used as the face-to-face auditor in the audit bank found according to the loan type.
  • the present application further provides a video face-to-face identity review device, where the device includes:
  • An obtaining module configured to acquire, according to the video face sign request, detailed information about a loan application corresponding to the video face sign request when receiving a video face sign request;
  • a generating module configured to fill the lender description according to the detailed information of the loan application, and generate a corresponding tab according to the detailed information of the loan application and the description of the lender;
  • a display module configured to automatically fill the loaner description into the tab for display after generating the tab
  • An audit module for reviewing video face-to-face personnel based on the description of the lender in the tab.
  • the present application further provides a video face-to-face identity review device, where the video face-to-face identity review device includes a video face-to-face identity review program, and the video face-to-face identity review program is executed by the video face-to-face identity review device.
  • the present application further provides a computer readable storage medium, where the video face-to-face identity review program is stored, and the video face-to-face identity review program is implemented by the processor as described above. The steps of the video face-to-face identity review method.
  • the video face-to-face identity verification method, device, device, and computer-readable storage medium provided by the present application when receiving a video face-to-face request, obtain the detailed information of the loan application corresponding to the video face-signing request according to the video face-to-face request;
  • the detailed information of the loan application is filled with the description of the lender, and corresponding tabs are generated according to the detailed information of the loan application and the description of the lender; after the tab is generated, Automatically fill the description of the lender to the tab for display.
  • the video face-to-face personnel can be directly reviewed according to the description of the lender in the tab, and the re-acquisition is not required, thereby reducing Face-to-face time and improve the efficiency of face-to-face.
  • FIG. 1 is a schematic flowchart of a first embodiment of a video face-to-face identity review method according to the present application
  • FIG. 2 is a schematic flowchart of a step of reviewing a video face-to-face personnel according to the description of the lender in the page in the second embodiment of the video face-to-face identity verification method of the present application;
  • FIG. 3 is a schematic flowchart of a step of generating a corresponding page label according to the detailed information of the loan application and the description of the lender in the third embodiment of the video face sign identity review method of the present application;
  • FIG. 4 is a schematic flowchart of a fourth embodiment of a video face-to-face identity review method according to the present application.
  • FIG. 5 is a schematic flowchart of a fifth embodiment of a video face-to-face identity review method according to the present application.
  • FIG. 6 is a schematic flowchart of a sixth embodiment of a video face-to-face identity review method according to the present application.
  • FIG. 7 is a schematic flowchart of a seventh embodiment of a video face-to-face identity review method according to the present application.
  • FIG. 8 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the main solution of the embodiment of the present application is: when receiving the video visa request, obtaining the detailed information of the loan application corresponding to the video visa request according to the video visa request; filling the loaner description according to the detailed information of the loan application And generating a corresponding tab according to the detailed information of the loan application and the description of the lender; after generating the tab, Automatically fill the description of the lender to the tab for display.
  • the face-to-face auditor needs to conduct an audit, the video face-to-face personnel can be directly reviewed according to the description of the lender in the tab, and the re-acquisition is not required, thereby reducing Face-to-face time and improve the efficiency of face-to-face.
  • the embodiment of the present application considers that in the prior art, only one face-to-face customer information can be reviewed at a time. After the current page information is approved, when the next information of the lender needs to be reviewed, it needs to be re-required. After obtaining the data, you can continue the review after the acquisition. The information cannot be displayed on the display interface at the same time, resulting in too long face-to-face and low efficiency.
  • the embodiment of the present application provides a video face-to-face identity verification method, and when receiving a video face-to-face request, obtains detailed information of a loan application corresponding to the video face-signing request according to the video face-sign request; The detailed information is filled with the description of the lender, and the corresponding tab is generated according to the detailed information of the loan application and the description of the lender; after the tab is generated, Automatically fill the description of the lender to the tab for display.
  • the face-to-face auditor needs to conduct an audit, the video face-to-face personnel can be directly reviewed according to the description of the lender in the tab, and the re-acquisition is not required, thereby reducing Face-to-face time and improve the efficiency of face-to-face.
  • the application provides a video face sign identity review method.
  • FIG. 1 is a schematic flowchart of a first embodiment of a video face-to-face identity review method according to the present application.
  • the method includes:
  • Step S10 when receiving a video face-to-face request, requesting, according to the video face-signing request, acquiring detailed information of a loan application corresponding to the video face-signing request;
  • the video visa signing terminal monitors the face sign request
  • the detailed information of the loan application corresponding to the video face sign request is obtained, and the obtained detailed information of the loan application is sent to the video face sign review system
  • the video face-to-face terminal is a video face-to-face terminal in the house exchange.
  • the details of the loan application include, but are not limited to, the name, age and ID card of the main lender, the co-loan, the spouse of the main lender, and the spouse of the co-loan.
  • Video face-to-face review system The video face-to-face request can be triggered by a staff member corresponding to the video face-to-face terminal.
  • the video face-to-face terminal can be bound through a preset interface.
  • video face-to-face review system The jump between the process node and the video face-to-face auditing system is closely related to the preset interface.
  • the preset interface is B2B1. ((Business to Businessintegration) Interface. It can be understood that the preset interface is a virtual interface, and the parameter corresponding to the preset interface is set to a constant, so that when the preset interface parameter name is modified, the parameter constant defined by the constant class can be directly modified to reduce the workload.
  • the corresponding staff of the video face-to-hand terminal should first check whether the information provided by the lender is complete. If the information provided by the lender is not complete, the corresponding information should be input in the video face-to-face terminal, so that the detailed information of the loan application obtained by the video face-finger terminal is the complete face-to-face information, thereby ensuring the loan sent to the video face-to-face review system.
  • the details of the application are complete face-to-face information.
  • Step S20 filling in the description of the lender according to the detailed information of the loan application, and generating a corresponding tab according to the detailed information of the loan application and the description of the lender;
  • the corresponding tab can be generated, for example, the main lender tab, the common lender tab, etc., further, on the generated page
  • the corresponding tabs can be closed, the tabs for display can be reduced, and the time for the user to search for the information of the corresponding lender can be reduced, thereby further improving the efficiency of the face-to-face review.
  • Step S30 after generating the tab, automatically filling the loaner description into the tab for display;
  • the description of the lender is automatically filled into the tab, and then displayed.
  • the manner of displaying may be performed by the user, for example, display, overlapping display, etc., and is not limited herein.
  • the user can further set the order of the display. For example, when the user sets the display mode of the tab to display, the order of the display can be set from left to right, and the corresponding lender is described as the main loan in turn.
  • step S40 the video visa personnel are reviewed according to the description of the lender in the tab.
  • the face-to-face auditor can review the video face-to-face according to the lender description in the tab, and the loaner description can be sent to the corresponding
  • the organization conducts audit comparisons to verify the authenticity of each lender's information, such as sending the lender's identity information to the public security system for comparative review, etc., to ensure the authenticity of the lender's information.
  • the video face-to-face identity verification method when receiving the video face-to-face request, obtains detailed information of the loan application corresponding to the video face-signing request according to the video visa-signing request; and populates the lender according to the detailed information of the loan application. Describe, and generate a corresponding tab according to the detailed information of the loan application and the description of the lender; after the tab is generated, Automatically fill the description of the lender to the tab for display.
  • the face-to-face auditor needs to conduct an audit, the video face-to-face personnel can be directly reviewed according to the description of the lender in the tab, and the re-acquisition is not required, thereby reducing Face-to-face time and improve the efficiency of face-to-face.
  • a second embodiment of the video face-to-face identity review method of the present application is proposed based on the first embodiment of the video face-to-face identity verification method of the present application.
  • step S40 includes:
  • Step S41 sending the loaner description in the page to the public security system, for the public security system to verify the description of the lender in the page, and returning the verification result;
  • the specific manner of performing the video face-to-face review may be to send the information of the lender to the corresponding institution to verify the authenticity of the information, such as sending the description of the lender in the page to the public security system for
  • the public security system verifies the description of the lender in the tab, and returns a verification result, specifically sending the identity information of the lender, the photo image of the ID card, the image of the lender's face, and the like to the public security system, and then Through the public security system, the identity information of the lender, the photo image of the ID card, the image collected by the lender's face, and the like are examined and verified, or the information of the lender's work unit is sent to the corresponding inquiry system, thereby querying the work unit. The authenticity of the information.
  • Step S42 after determining that the lender description verification in the page is verified according to the verification result, sending a prompt message to the video face-signing terminal to complete the face-to-face sign.
  • the test result needs to be fed back to the video face-to-face review system, and the video face-checking system determines the page mark according to the check result.
  • a prompt message is sent to the video face-finding terminal to complete the face-to-face check.
  • a third embodiment of the video face-to-face identity review method of the present application is proposed based on the first embodiment of the video face-to-face identity verification method of the present application.
  • step S20 includes:
  • Step S21 storing detailed information and a description of the lender required to generate the tab
  • the detailed information and the description of the lender described in the page may be stored, where the background image and the tab button of the tab may be selected.
  • the picture of the time, the picture of the tab button in the normal state, and the picture of the tab button when the mouse is over the state are stored, thereby realizing the personalized design of the tab.
  • Step S22 configuring a detachable state of a single tab or configuring a closable state of multiple tabs at the same time;
  • the detachable state of the tab may be configured, for example, the configurable state of the single tab or the closable state of the plurality of tabs; wherein the tab can be closed or closed.
  • the tab close state may be whether the close button of the single tab is visible, or whether the close button of all the tabs included in the tab control is visible, and the configuration may be configured according to the usage habit of the user.
  • Step S23 when receiving the tab generation instruction, generate the tab specified by the tab generation instruction according to the stored detailed information required to generate the tab and the loaner description.
  • the page label generation instruction may be generated according to the received tab generation instruction, where the tab specified by the tab generation instruction is generated, where The manner of receiving the tab generation instruction may be various, for example, receiving a tab generation instruction input by the user through a function menu of the tab control, and the tab generation instruction specifies the tab to be generated as a function window specified by the user.
  • the corresponding tab In this manner, the handle of the function form can be identified as a tab, and the name of the function form is used as the display text of the tab, that is, the tab generation instruction received through the function menu of the tab control, and the page is specified.
  • the signature is the handle of the function form, and the display text of the tab is the name of the tab form.
  • the display text of the tab is "main lender”.
  • the video face-to-face identity verification method proposed in this embodiment stores the detailed information required by the generated page and the description of the lender; and then configures the closable state of the single page or the closable state of the plurality of pages at the same time;
  • the personalization of the page label when receiving the tab generation instruction, generates the tab specified by the tab generation instruction according to the stored detailed information required for generating the tab and the loaner description.
  • a fourth embodiment of the video face-to-face identity review method of the present application is proposed based on the first embodiment of the video face-to-face identity verification method of the present application.
  • step after the step S30 further includes:
  • Step S50 when receiving the tab closing instruction, closing the tab specified by the tab closing instruction
  • the tab specified by the tab closing instruction is closed.
  • the page closing instruction input by the user may be received by outputting a tab close button to the user.
  • Step S60 According to the closed state of the tab, control whether the single tab can be closed or control whether the plurality of tabs can be closed.
  • the video face-to-face review system controls whether a single page can be closed or controls whether multiple pages can be closed according to the closed state of the tab set by the user.
  • the control tab when the closed state of the tab is closable, the control tab may be closed; when the closed state of the tab is uncloseable, the control tab may not be closed.
  • the close button of the tab when the closed state of the tab is closable, the close button of the tab is output, so that the user can receive the tab close command through the close button; when the tab is closed, the unclosed state is Control does not output the close button of the tab, so that the user cannot close the tab.
  • a fifth embodiment of the video face-to-face identity review method of the present application is proposed based on the third embodiment of the video face-to-face identity verification method of the present application.
  • step after the step S21 further includes:
  • Step S24 configuring, according to the detailed information and the description of the lender, the display text of the tab in the tab control or the font of the displayed text;
  • Step S25 configuring a maximum number of characters and/or a minimum number of characters allowed by the tab in the tab control
  • the display text of the tab may be further controlled according to the detailed information and the maximum and minimum display characters of the tab page and the character display policy.
  • the display text of the tab is displayed in the text display area of the tab, and spaces are added on both sides of the display text.
  • the display text of the tab is displayed directly in the display text area of the tab.
  • the omitted character can be " ", where ASCII characters are calculated as "! as 1 character, and non-ASCII characters are evaluated as "" as 2 characters.
  • Step S26 configuring a tab that is fixedly displayed in the tab control.
  • the tabs that are fixedly displayed in the tab control can be further configured.
  • the tab that is fixedly displayed in the tab control refers to the tab that needs to be fixedly displayed in the tab control.
  • the tab configured to be fixedly displayed is preferentially displayed in the tab control.
  • FIG. 6 a sixth embodiment of the video face-to-face identity review method of the present application is proposed based on the third embodiment of the video face-to-face identity verification method of the present application.
  • step before the step S10 further includes:
  • Step S70 Obtain loan order information corresponding to the video face-to-face request.
  • the loan order information corresponding to the video face sign request is obtained, and the loan order information corresponding to the obtained video face sign request is sent to the video face sign review system.
  • Step S80 obtaining, according to the loan order information, a network point and a loan type at which the customer applies for the loan;
  • the loan order information After obtaining the loan order information and the identity information of the corresponding user, the loan order information includes the detailed information of the specific network point where the user applies for the loan, such as address information, telephone information, etc., thereby passing the loan order information. You can know the location and type of loan where the client applies for the loan.
  • Step S90 searching for an audit bank within a preset distance according to the website where the loan application is located, and extracting the employee number of the face-to-face auditor in the found audit bank according to the loan type, and reviewing the face sign corresponding to the extracted work number Personnel assigned to the face-to-face auditor for this video face-to-face request.
  • the audit bank within the preset distance can be searched through the website where the loan application is located, for example, the audit bank within the preset distance from the website where the loan application is located, and then extracted according to the loan type.
  • the number of the face-to-face auditor in the audited bank is found.
  • the requested face-to-face auditor can realize flexible allocation of face-to-face auditors, and ensure that the assigned face-to-face auditors are idle, reduce the waiting time of the video face-to-face personnel, and improve the efficiency of the video face-to-face.
  • a seventh embodiment of the video face sign identity review method of the present application is proposed based on the third embodiment of the video face sign identity review method of the present application.
  • step before the step S70 further includes:
  • Step S100 extracting status labeling information of the face-to-face auditing personnel in the found auditing bank
  • the status labeling information of the face-to-face auditor can be used to determine whether the face-to-face auditor is available. Therefore, it is necessary to extract the status tag information of the face-to-face auditor in the found audit bank, wherein the status tag information can be Manually set by the face-to-face auditor.
  • the face-to-face auditor is in an idle state, click the corresponding button to mark the current status tag information as idle, or you can monitor it through the video face-checking system.
  • the current status tag information of the face-to-face auditor is marked as idle.
  • Step S110 determining whether the extracted face-to-face auditor is idle
  • the status labeling information of the face-to-face auditor can be used to determine whether the extracted face-to-face auditor is free, specifically, when the status of the face-to-face auditor is marked as idle. Determining that the face-to-face reviewer is idle; otherwise, determining that the face-to-face reviewer is not idle;
  • Step S120 If the extracted face-to-face auditor is idle, the idle face-to-face auditor is used as the face-to-face auditor in the audit bank found according to the loan type.
  • the face-to-face auditor who has the idle face-to-face auditor can be used as the face-to-face auditor for the assigned video face-to-face request.
  • the empty face-to-face auditor can be empty. The random selection is carried out, and the selected face-to-face auditor is used as the face-to-face auditor of the video face-to-face request, thereby ensuring that the assigned face-to-face auditor is idle, reducing the waiting time of the customer and improving the efficiency of the face-to-face.
  • the application further provides a video face-to-face identity review device, the device comprising:
  • An obtaining module configured to acquire, according to the video face sign request, detailed information about a loan application corresponding to the video face sign request when receiving a video face sign request;
  • a generating module configured to fill the lender description according to the detailed information of the loan application, and generate a corresponding tab according to the detailed information of the loan application and the description of the lender;
  • a display module configured to automatically fill the loaner description into the tab for display after generating the tab
  • An audit module for reviewing video face-to-face personnel based on the description of the lender in the tab.
  • the specific embodiment of the video face-to-face identity review device of the present application is substantially the same as the embodiment of the video face-to-face identity review method, and is not described herein.
  • the application further provides a video face-to-face identity review device.
  • FIG. 8 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the video face-to-face identity review device may include a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, and a memory 1004. Connection communication between these components can be achieved via a communication bus.
  • the network interface 1002 may optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network).
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.) and/or a wireless interface (eg, Used to connect a wireless keyboard, wireless mouse).
  • the memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the video face-to-face identity review device may further include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more.
  • RF Radio
  • RF Radio Frequency
  • video face-to-face identity review device structure shown in the figure does not constitute a limitation of the video face-to-face identity review device, and may include more or less components than the illustration, or combine some components, or Different parts are arranged.
  • the memory 1004 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a video face-to-face identity review program.
  • the operating system is a program for managing and controlling the hardware and software resources of the video face-to-face identity review device, and supports the operation of the network communication module, the user interface module, the video face-to-face identity review program, and other programs or software;
  • the network communication module is used for management and control Network interface 1002; a user interface module for managing and controlling user interface 1003.
  • the network interface 1002 is mainly used for connecting to a database and performing data communication with the database;
  • the user interface 1003 is mainly used for connecting a client (which can be understood as a client), and performing data with the client.
  • the communication such as displaying the information to the client through the window, or receiving the operation information sent by the client;
  • the processor 1001 may be configured to execute the video face-to-face identity review program stored in the memory 1004 to implement the video face-to-face identity review method in the embodiment. A step of.
  • the present application also provides a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors to implement the video face sign The steps in the identity review method embodiment.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods of various embodiments of the present application.

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Abstract

La présente invention concerne un procédé de validation d'identité pour un entretien vidéo. Le procédé comprend les étapes suivantes : lorsqu'une demande d'entretien vidéo est reçue, obtenir, selon la demande d'entretien vidéo, des informations détaillées d'une demande de prêt correspondant à la demande d'entretien vidéo ; remplir des descriptions d'emprunteur selon les informations détaillées de la demande de prêt et générer une signature de page correspondante en fonction des informations détaillées de la demande de prêt et des descriptions d'emprunteur ; une fois la signature de page générée, remplir automatiquement les descriptions d'emprunteur dans la signature de page à afficher ; et vérifier la personne de l'entretien vidéo en fonction des descriptions d'emprunteur indiquées dans la signature de page. La présente invention concerne également un appareil et un dispositif de validation d'identité pour un entretien vidéo et un support d'enregistrement lisible par ordinateur. Au moyen de la présente invention, l'efficacité d'entretien peut être améliorée et la sécurité de l'entretien vidéo peut être assurée.
PCT/CN2018/074996 2017-12-08 2018-02-01 Procédé, appareil et dispositif de validation d'identité pour un entretien vidéo et support d'enregistrement lisible WO2019109521A1 (fr)

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CN201711293574.2 2017-12-08
CN201711293574.2A CN108038779A (zh) 2017-12-08 2017-12-08 视频面签身份审核方法、装置、设备及可读存储介质

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