WO2020177478A1 - 一种基于信用的资质信息审核方法、装置及设备 - Google Patents

一种基于信用的资质信息审核方法、装置及设备 Download PDF

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Publication number
WO2020177478A1
WO2020177478A1 PCT/CN2020/070508 CN2020070508W WO2020177478A1 WO 2020177478 A1 WO2020177478 A1 WO 2020177478A1 CN 2020070508 W CN2020070508 W CN 2020070508W WO 2020177478 A1 WO2020177478 A1 WO 2020177478A1
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Prior art keywords
information
qualification
user
credit
qualification information
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French (fr)
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李丰
郭玉锋
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Alibaba Group Holding Ltd
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Alibaba Group Holding Ltd
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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0609—Qualifying participants for shopping transactions

Definitions

  • This application relates to the field of data processing technology, and in particular to a credit-based qualification information review method, device and equipment.
  • Enterprise qualifications are the qualifications that an enterprise should have in operating in a certain industry and the quality level standards that are compatible with this qualification. For some companies, they need to have relevant qualifications before they can conduct legal operations. In the course of business operations, enterprises often use their qualification certificates. For example, when a company signs a contract with a customer, it needs to provide qualification information such as the "Business License of Enterprise Legal Person", and the customer conducts a manual review of the qualification information submitted by the company to ensure the authenticity and validity of the qualification information. At present, the method of reviewing qualification information has the problems of high labor cost, time-consuming and labor-intensive.
  • the embodiments of the present application provide a credit-based qualification information review method, device, and equipment for improving the efficiency of credit-based qualification information review.
  • the user credit information send the category information of the qualification information to be submitted to the terminal; the number of categories of the qualification information to be submitted corresponding to the first user credit information is less than the number of categories of the qualification information to be submitted corresponding to the second user credit information
  • the user credit level corresponding to the first user credit information is higher than the user credit level corresponding to the second user credit information.
  • the review request acquisition module is used to acquire the review request sent by the terminal
  • An account information determining module configured to determine account information corresponding to the review request
  • the user credit information determining module is used to determine the user credit information corresponding to the account information
  • the sending module is configured to send the category information of the qualification information to be submitted to the terminal according to the user credit information; the number of categories of the qualification information to be submitted corresponding to the first user credit information is less than that of the second user credit information to be submitted The number of types of qualification information, and the user credit level corresponding to the first user credit information is higher than the user credit level corresponding to the second user credit information.
  • At least one processor and,
  • a memory communicatively connected with the at least one processor; wherein,
  • the memory stores instructions executable by the at least one processor, and the instructions are executed by the at least one processor, so that the at least one processor can:
  • the user credit information send the category information of the qualification information to be submitted to the terminal; the number of categories of the qualification information to be submitted corresponding to the first user credit information is less than the number of categories of the qualification information to be submitted corresponding to the second user credit information
  • the user credit level corresponding to the first user credit information is higher than the user credit level corresponding to the second user credit information.
  • the account information corresponding to the review request is determined, and the user credit information corresponding to the account information is determined; according to the user credit information, the terminal sends the category information of the qualification information to be submitted to the terminal to make the user A terminal with a higher user credit level corresponding to the credit information needs to submit a smaller number of categories of qualification information.
  • This method reduces the number of qualification information categories that users with higher credit need to submit when applying for online stores, thereby reducing the amount of qualification information to be reviewed and improving qualification information. Audit efficiency.
  • Figure 1 is a schematic flow diagram of a credit-based qualification information review method provided by an embodiment of this specification
  • FIG. 2 is a schematic flowchart of a method for reviewing qualification information submitted by a user according to an embodiment of this specification
  • FIG. 3 is a schematic flowchart of a method for automatically reviewing qualification information provided by an embodiment of the specification
  • FIG. 4 is a schematic structural diagram of a credit-based qualification information verification device corresponding to the method in FIG. 1 provided by an embodiment of the specification;
  • Fig. 5 is a schematic structural diagram of a credit-based qualification information review device corresponding to the method in Fig. 1 provided by an embodiment of the specification.
  • Enterprise qualifications are the qualifications that an enterprise should have in operating in a certain industry and the quality level standards that are compatible with this qualification. For some companies, they need to have relevant qualifications before they can conduct legal operations. In the course of business operations, enterprises often use their qualification certificates. For example, when an enterprise applies for an online store on an e-commerce platform, the e-commerce platform is based on the security guarantee obligations and a certain degree of management obligations for online transactions , The e-commerce platform will assume the responsibility of reviewing online store registration information, such as requiring online store applicants to submit personal identity information, business qualifications and other information to prevent counterfeit merchants from publishing false transaction information on the e-commerce platform. Caused damage.
  • Fig. 1 is a schematic flow chart of a credit-based qualification information review method provided by an embodiment of this specification. From a program perspective, the execution subject of the process may be a program loaded on a server of an e-commerce platform.
  • the terminal may be a user terminal that initiates a qualification information review request.
  • the terminal may be a terminal of a merchant applying for an online store.
  • the merchant first registers on the e-commerce platform to obtain a registered account.
  • the shop opening process can be triggered by simple operations, such as user Click the "I want to open a shop" icon to trigger the shop opening process and send a review request to the e-commerce platform server.
  • the audit request carries account identification information or the identification information of the terminal that sends the audit request.
  • the account information may include the account identification of the account that sent the review request or the personal information filled in when the user registered the account identification.
  • the personal information may include the user's valid ID information, contact information or residential address and other information.
  • the identification information of the terminal sending the review request may include information such as a mobile phone network card address or an Internet protocol address of a computer.
  • the user credit information may include the user's credit rating information corresponding to the account information, loan overdue information, credit card overdue repayment information, or historical lawsuit information, etc.
  • the user credit information may be pre-stored in a database, and the server of the e-commerce platform may determine the user credit information corresponding to the account information from the database.
  • S104 Send the category information of the qualification information to be submitted to the terminal according to the user credit information; the number of categories of the qualification information to be submitted corresponding to the first user credit information is less than the number of qualification information to be submitted corresponding to the second user credit information The number of categories, the user credit level corresponding to the first user credit information is higher than the user credit level corresponding to the second user credit information.
  • the category information of the qualification information that needs to be submitted is used to remind the user of the type of qualification information that needs to be submitted
  • the category information of the qualification information that needs to be submitted may include business licenses, business licenses, and tax registration certificates. , At least one of the tax payment certificate, health certificate, no criminal record certificate or security deposit.
  • users with high credit reliability need to submit fewer categories of qualification information, thus, while ensuring that users with low credit reliability are strictly audited, users with high credit reliability are reduced.
  • the qualification information that needs to be submitted thereby improving the efficiency of store opening review.
  • the user credit information of the account information corresponding to the review request is determined, and the higher the credit user when applying for the online store, the fewer the number of store qualification categories that need to be submitted, the higher the credit Of users apply for online stores to provide convenience, reduce the amount of qualification information to be reviewed, and improve the efficiency of credit-based qualification information review methods.
  • the method in FIG. 1 can be applied to the review process of qualification information by each enterprise, and the process can be run on the server of each enterprise.
  • the enterprise server can interact with the user terminal to obtain the review request, operator identity information, and qualification information sent by the user terminal.
  • the method in FIG. 1 can be applied to the e-commerce platform's review process of the qualification information of the enterprise that is opening an online store. For example, after users log in to their registered account on the e-commerce platform on the terminal, they can trigger the shop opening process through simple operations. For example, the user clicks the "I want to shop" icon to trigger the shop opening process and sends a review request to the e-commerce platform server.
  • the e-commerce platform server can start the program in Figure 1 after receiving the review request, and the e-commerce platform server can also actively obtain the review request through polling, and start the program in Figure 1 when it receives the review request.
  • the e-commerce platform server can match the operator identity information collected by the terminal and the user identity information corresponding to the account that sent the review request. If the matching is successful, it is considered that the operating user of the terminal is using his own registered account to open a shop. At this point, you can continue with the following steps; if the matching is unsuccessful, it is considered that the operating user of the terminal is different from the user to whom the account logged in on the terminal belongs, and there is a risk that the operator will use someone else’s account to apply for an online store. , The process can jump to the end.
  • the e-commerce platform server can cooperate with banks, big data companies, other e-commerce platforms, public security bureaus, procuratorates, courts, and the Administration for Industry and Commerce to obtain user personal credit data in the database of various departments, and based on the user’s personal credit The data determines user credit information.
  • the e-commerce platform server can also cooperate with industry and commerce administrative authorities and national tax authorities, so that the validity of the qualification information submitted by users can be confirmed through the databases of the aforementioned authorities.
  • the determining the account information corresponding to the audit request may specifically include: determining the account information corresponding to the account identification information .
  • the request instructions sent to the server often carry account identification information, which may include cookies or unique account identification, etc.; cookies refer to certain websites that are stored in order to identify user identities and perform session tracking. Data on the user's local terminal.
  • account identification information in the review request may be determined first; and then the corresponding account information may be determined according to the account identification information. For example, when the cookies carried in the audit request are A, the account name B of the account corresponding to A can be determined; and then the account information of the account with the account name B can be determined.
  • the determining the account information corresponding to the audit request may specifically include: determining the The account logged in on the terminal; the account information of the account is determined.
  • the e-commerce platform can be set to allow only one registered account of the e-commerce platform to be in the login state on a device terminal.
  • the identification information of the terminal is an IP address
  • the account running on the terminal where the IP address is located can be determined as the account for sending the audit request.
  • the registered account may be stolen by others to apply for a fake online store.
  • step S103 before the user credit information corresponding to the account information is determined, It can also include:
  • the operating user identity information includes at least one of operating user face collection data, operating user fingerprint data, operating user iris data, or operating user voice data.
  • the type of registered user identity information matches the type of operating user identity information. For example, when the operating user identity information is the operating user face collection data and the operating user fingerprint data, the registered user identity information is also the user face collection data and the user fingerprint data.
  • matching the registered user identity information and the operating user identity information may specifically include matching the operating user identity information with the user face collection data in the registered user identity information to obtain user face collection Data matching degree: match the operating user identity information with the user fingerprint data in the registered user identity information to obtain the user fingerprint data matching degree.
  • the preset thresholds are 80% of the user’s face collection data matching degree and 70% of the user’s fingerprint data matching degree
  • the obtained user’s face collection data matching degree is greater than 80%
  • the user fingerprint data matching degree is greater than 70 %, it is considered that the operating user and the user corresponding to the account ID are the same user, and the operating user is using his own registered account for shop application operations.
  • step S103 by performing step S103 when the matching degree between the registered user identity information and the operating user identity information is greater than the preset threshold, the user can prevent the user from using another person’s account to apply for an online store, and improve the application time for an online store.
  • determining the user credit information corresponding to the account information may specifically include: determining the registered user identity information corresponding to the account information; determining the user credit information corresponding to the registered user identity information .
  • the user's legal certificate information can be determined according to the registered user's identity information. Determining the user credit information corresponding to the registered user identity information may specifically include: determining the user ID number corresponding to the registered user identity information, and determining the user credit information of the user corresponding to the identity information.
  • the e-commerce platform server before performing step S103, can determine the user credit information of each registered user according to a preset period, and store the determined user credit information in a database; of course, the database can also be Only store the latest user credit information.
  • the latest user credit information corresponding to the account information may be determined as the user credit information corresponding to the account information.
  • the e-commerce platform server may determine the user credit information of each registered user according to the preset period, and determine the user credit information corresponding to the latest account information as the user credit information corresponding to the account information.
  • the information can improve the timeliness of the determined user credit information, thereby improving the accuracy of the category information for which the qualification information needs to be submitted sent to the terminal according to the user credit information.
  • the user credit information may include a user credit level, and the user credit level may be determined according to a credit scoring model. Specifically, the credit rating of the user's personal credit data can be evaluated based on the credit scoring model to determine the user's credit rating.
  • the credit scoring model is a model that measures the credit status of users in the form of scores or grades.
  • the credit scoring model can be implemented by using a scoring card model used by existing financial institutions to evaluate user credit, or it can extract a certain amount of user credit information, and perform data cleaning, missing value processing, and abnormal values on user credit information.
  • Process to get formatted data that can be used for credit scoring model development.
  • the user personal credit data may include the personal credit data of existing users and potential users.
  • Existing users refer to users who have opened online stores on e-commerce platforms; potential customers refer to users who are expected to open online stores on e-commerce platforms in the future. These potential users include those who have opened online stores on other e-commerce platforms.
  • Store users; the above-mentioned users are the legal representatives of the opened online stores.
  • the user's personal credit data may include: user identity information obtained from the e-commerce platform and public security organ database; the user's loan information or the user's credit card information obtained from the database of each bank; from the public security bureau, Litigation case information related to the user obtained from the litigation case database of the procuratorate, courts, etc.; the history of the enterprise related to the user obtained from the industrial and commercial bureau database, the database of various e-commerce platforms, or the big data enterprise database Business data and business scope information of the company related to the user.
  • the corresponding scoring conditions are different.
  • the first credit score can be determined according to the numerical range of the user's age; the second credit score can be determined according to the numerical range of the user's annual income.
  • the third credit score can be determined according to the numerical range of the loan value; the fourth credit score can be determined according to the type of loan use.
  • the fifth credit score can be determined according to the numerical range of the number of credit card defaults; the sixth credit score can be determined according to the numerical range of the credit card deposit amount.
  • the seventh credit score can be determined based on the numerical range of the number of litigation cases in which the user is the legal representative of the enterprise as the court.
  • the eighth can be determined based on the numerical range of the probability that the user is the legal representative of the company’s online store on other e-commerce platforms being complained Credit score:
  • the ninth credit score is determined according to the numerical range of the matching degree between the business scope of the enterprise and the actual business items. The sum of the first credit score to the ninth credit score is determined as the user credit score. The score interval corresponding to the preset credit level is compared with the determined numerical interval of the user's credit score to determine the user's credit level.
  • the qualification information to be submitted may include at least one of a business license, a business license, a tax registration certificate, a tax payment certificate, a health certificate, a certificate of no criminal record, and a deposit.
  • the corresponding relationship between the category information to be submitted for the qualification information and the user's credit level may specifically include: the number of categories for which the qualification information needs to be submitted corresponding to the first user's credit level is less than the number of categories for which the qualification information needs to be submitted corresponding to the second user's credit level Number, the first user credit level is higher than the second user credit level.
  • the category that needs to submit the qualification information corresponding to the credit level of the first user can be business license; the category that needs to submit the qualification information corresponding to the credit level of the second user can be business license and business permit; the category that needs to submit the qualification information corresponding to the credit level of the third user
  • the types of information can be business licenses, business licenses, and tax registration certificates; the types of qualification information that need to be submitted corresponding to the fourth user's credit level can be business licenses, business licenses, tax registration certificates, tax payment certificates, health certificates, and deposits;
  • the types of qualification information that need to be submitted corresponding to the fifth user's credit level can be business license, business license, tax registration certificate, tax payment certificate, health certificate, no criminal record certificate, and deposit.
  • users with higher user credit levels are required to submit fewer qualification categories for opening stores, so as to reduce the qualification information that users with higher credit ratings need to submit when applying for online stores, thereby reducing the number of qualification information required to be submitted.
  • the quantity of audited qualification information improves the efficiency of qualification information auditing.
  • step S104 it may also include a review process for the qualification information submitted by the user. As shown in FIG. 2, the process may specifically include the following steps:
  • S201 Acquire qualification information sent by the terminal; the category of the qualification information matches the category information.
  • the user's terminal may send the qualification information matching the category information of the qualification information to the server.
  • the category of the qualification information sent by the terminal may be the same as the category of the qualification information included in the category information.
  • the category information to be submitted for qualification information is business license and business license, the user only needs to submit the business license information and business license information.
  • S203 Divide the qualification information according to the category of the qualification information to obtain a first information set and a second information set.
  • the category of the qualification information may include automatic review and manual review; the category of the qualification information can be determined according to the preset review conditions for each material.
  • the preset review conditions may be automatic review of three types of business licenses, business licenses, and tax registration certificates, and manual review of other qualification information.
  • S204 Automatically review the qualification information in the first information set.
  • S205 Determine whether all the qualification information in the first information set has passed the review.
  • step S206 If all the qualification information in the first information set is not approved, then the qualification information in the first information set that has not passed the audit is divided into the second information set; if all the qualification information in the first information set is approved, then Jump to step S207.
  • the approved information can be sent to the terminal.
  • the method in FIG. 2 is used to process the store opening qualification information submitted by the enterprise
  • the information about the successful opening of the online store and the online entry can be sent to the terminal.
  • the operating behavior of the online store will be stored in the server of the e-commerce platform.
  • the operating behavior of the online store will be regarded as the user’s personal credit
  • the data is used when the e-commerce platform server determines the user’s credit rating.
  • the online store has illegal or irregular operations, the user’s credit rating will be lowered.
  • the user needs to provide more qualification information and influence the line.
  • the degree of difficulty in applying for online store thus forming a deterrent to merchants’ online store operations, allowing merchants to consciously operate legally and reducing store management costs.
  • the efficiency of reviewing the qualification information is improved.
  • the manual review method is used to review the qualification information again, which can improve the accuracy of the review of the qualification information, reduce the problem of inaccurate review results caused by automatic review errors, and improve the review The accuracy of the results.
  • a method for automatically reviewing qualification information is also provided.
  • the process of automatically reviewing qualification information may specifically include the following steps:
  • S301 For any piece of qualification information in the first information set, use optical character recognition technology to determine key text information in any piece of qualification information.
  • S302 Send a qualification information query instruction to the database; the query condition corresponding to the query instruction includes the key text information.
  • S304 Determine an audit result corresponding to any piece of qualification information according to the query result.
  • step S204 may specifically include: using steps S301-S304 to process a piece of qualification information in the first information set to determine the audit result of the piece of qualification information, when the audit result indicates any piece of qualification information
  • steps S301-S304 are used to review other qualification information in the first information set until the review of all the information in the first information set is completed.
  • the qualification information may be marked as not approved, and steps S301-S304 are used to audit other qualification information in the first information set until the All the information in the first information set has been reviewed; the information with the unreviewed mark is divided into the second information set for manual review.
  • step S301 may specifically include identifying characters in any piece of qualification information; converting the recognized characters into text information; according to the category of any piece of qualification information, from the text information Determine the key text information in any piece of qualification information.
  • the existing optical character recognition technology can be used to collect the characters in the qualification information.
  • determining the key text information in any piece of qualification information from the text information may specifically include: querying whether the text information contains "business license", " Words such as “business license”, “tax registration certificate”, etc., generally speaking, a text message includes only one of the above three words.
  • the type of qualification information corresponding to the text information can be determined to be the business license, and then the key text information to be extracted corresponding to the preset business license can be determined from the text information Output the key text information in any piece of qualification information.
  • the key text information that needs to be extracted corresponding to the business license can be preset to include: legal representative information, registration number information, registered capital information, and establishment date information.
  • the key text information to be extracted corresponding to the business license can be preset, including: legal representative information, license number information, and social credit code information.
  • the key text information to be extracted corresponding to the tax registration certificate can be preset including: legal representative information and tax name information.
  • a qualification information query instruction is sent to the database in step S301; the query condition corresponding to the query instruction includes the key text information, wherein the database may be multiple, for example, when the key text information
  • the qualification information query instruction can be sent to the database of the industrial and commercial bureau that stores the business license information to determine whether the database contains the legal representative information, registration number information, and registered capital in the key text information. The information and date of establishment are all the same, and the legal representative and the owner of the registered user information are the same business license. If it exists, the review result corresponding to the qualification information is approved. It can be seen that in this embodiment, the user corresponding to the user registration information and the legal representative of the business license submitted by the terminal must be the same person.
  • the qualification information query can be sent to the database of the State Food and Drug Administration where the business license information is stored.
  • the key text information is stored in the database
  • the representative information, license number information, and social credit code information are all the same, and the legal representative and the registered user information belong to the same business license
  • the review result corresponding to the qualification information is approved.
  • the qualification information query can be sent to the database where the tax registration certificate information is stored by the State Administration of Taxation.
  • the database is stored with the legal representative information and tax number in the key text information
  • the review result corresponding to the qualification information is approved.
  • an automatic review method for qualification information by sending a qualification information query instruction containing the key text information in query conditions to a database, and determining the query result according to the query result fed back by the database in response to the query instruction.
  • the audit results of qualification information can greatly improve the efficiency of auditing qualification information.
  • Fig. 4 is a schematic structural diagram of a credit-based qualification information review device corresponding to the method in Fig. 1 provided by an embodiment of the specification.
  • the device may include:
  • the audit request obtaining module 401 is used to obtain the audit request sent by the terminal;
  • the account information determining module 402 is configured to determine the account information corresponding to the review request
  • User credit information determining module 403, configured to determine user credit information corresponding to the account information
  • the sending module 404 is configured to send the category information of the qualification information to be submitted to the terminal according to the user credit information; the number of categories of the qualification information to be submitted corresponding to the first user credit information is less than the number of the categories corresponding to the second user credit information The number of categories of qualification information submitted, and the user credit level corresponding to the first user credit information is higher than the user credit level corresponding to the second user credit information.
  • the qualification information acquisition module is used to obtain the qualification information sent by the terminal; the category of the qualification information matches the category information; the qualification information review module is used to review the qualification information.
  • the qualification information review module may specifically include:
  • the category determining unit of the qualification information is used to determine the category of the qualification information.
  • the qualification information dividing unit is configured to divide the qualification information according to the category of the qualification information to obtain a first information set and a second information set.
  • the automatic review unit is configured to automatically review the qualification information in the first information set.
  • the manual review unit is used to manually review the qualification information in the second information set.
  • optical character recognition technology is used to determine the key text information in any piece of qualification information.
  • the query conditions corresponding to the query instruction include the key text information.
  • the audit result corresponding to any piece of qualification information is determined.
  • Fig. 5 is a schematic structural diagram of a credit-based qualification information review device corresponding to the method in Fig. 1 provided by an embodiment of the specification.
  • the device 500 may include:
  • At least one processor 510 and,
  • a memory 530 communicatively connected with the at least one processor; wherein,
  • the memory stores instructions 520 executable by the at least one processor 510, and the instructions are executed by the at least one processor 510, so that the at least one processor 510 can:
  • the user credit information send the category information of the qualification information to be submitted to the terminal; the number of categories of the qualification information to be submitted corresponding to the first user credit information is less than the number of categories of the qualification information to be submitted corresponding to the second user credit information
  • the user credit level corresponding to the first user credit information is higher than the user credit level corresponding to the second user credit information.
  • the credit-based qualification information review device sends to the terminal of the operating user the category of the qualification information to be submitted for opening a store according to the user's credit information.
  • This device reduces the number of qualification categories that users with higher credits need to submit for opening a store, so as to reduce the qualification information that users with higher credits need to submit when applying for online stores, thereby reducing the amount of qualification information to be reviewed and increasing The efficiency of the credit-based qualification information review process.
  • the qualification information sent by the terminal is acquired; the category of the qualification information matches the category information.
  • the qualification information is divided to obtain a first information set and a second information set.
  • the qualification information in the first information set is automatically reviewed.
  • the credit-based qualification information review device performs automatic or manual review of the qualification information according to the type of the qualification information. Since the automatic review method is adopted, the review efficiency of the qualification information can be greatly improved and manpower is saved.
  • a programmable logic device Programmable Logic Device, PLD
  • FPGA Field Programmable Gate Array
  • HDL Hardware Description Language
  • ABEL Advanced Boolean Expression Language
  • AHDL Altera Hardware Description Language
  • HDCal JHDL
  • Lava Lava
  • Lola MyHDL
  • PALASM RHDL
  • VHDL Very-High-Speed Integrated Circuit Hardware Description Language
  • Verilog Verilog
  • the controller can be implemented in any suitable manner.
  • the controller can take the form of, for example, a microprocessor or a processor and a computer-readable medium storing computer-readable program codes (such as software or firmware) executable by the (micro)processor. , Logic gates, switches, application specific integrated circuits (ASICs), programmable logic controllers and embedded microcontrollers.
  • controllers include but are not limited to the following microcontrollers: ARC625D, Atmel AT91SAM, Microchip PIC18F26K20 and Silicon Labs C8051F320, the memory controller can also be implemented as a part of the memory control logic.
  • controller in addition to implementing the controller in a purely computer-readable program code manner, it is entirely possible to program the method steps to make the controller use logic gates, switches, application specific integrated circuits, programmable logic controllers and embedded The same function can be realized in the form of a microcontroller, etc. Therefore, such a controller can be regarded as a hardware component, and the devices included in it for implementing various functions can also be regarded as a structure within the hardware component. Or even, the device for realizing various functions can be regarded as both a software module for realizing the method and a structure within a hardware component.
  • a typical implementation device is a computer.
  • the computer may be, for example, a personal computer, a laptop computer, a cell phone, a camera phone, a smart phone, a personal digital assistant, a media player, a navigation device, an email device, a game console, a tablet computer, a wearable device, or Any combination of these devices.
  • the embodiments of the present invention may be provided as methods, systems, or computer program products. Therefore, the present invention may adopt the form of a complete hardware embodiment, a complete software embodiment, or an embodiment combining software and hardware. Moreover, the present invention may adopt the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to disk storage, CD-ROM, optical storage, etc.) containing computer-usable program codes.
  • a computer-usable storage media including but not limited to disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions can also be stored in a computer-readable memory that can guide a computer or other programmable data processing equipment to work in a specific manner, so that the instructions stored in the computer-readable memory produce an article of manufacture including the instruction device.
  • the device implements the functions specified in one process or multiple processes in the flowchart and/or one block or multiple blocks in the block diagram.
  • These computer program instructions can also be loaded on a computer or other programmable data processing equipment, so that a series of operation steps are executed on the computer or other programmable equipment to produce computer-implemented processing, so as to execute on the computer or other programmable equipment.
  • the instructions provide steps for implementing functions specified in a flow or multiple flows in the flowchart and/or a block or multiple blocks in the block diagram.
  • the computing device includes one or more processors (CPU), input/output interfaces, network interfaces, and memory.
  • processors CPU
  • input/output interfaces network interfaces
  • memory volatile and non-volatile memory
  • the memory may include non-permanent memory in computer readable media, random access memory (RAM) and/or non-volatile memory, such as read-only memory (ROM) or flash memory (flash RAM). Memory is an example of computer readable media.
  • RAM random access memory
  • ROM read-only memory
  • flash RAM flash memory
  • Computer-readable media include permanent and non-permanent, removable and non-removable media, and information storage can be realized by any method or technology.
  • the information can be computer-readable instructions, data structures, program modules, or other data.
  • Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory (SRAM), dynamic random access memory (DRAM), other types of random access memory (RAM), read-only memory (ROM), electrically erasable programmable read-only memory (EEPROM), flash memory or other memory technology, CD-ROM, digital versatile disc (DVD) or other optical storage, Magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices or any other non-transmission media can be used to store information that can be accessed by computing devices. According to the definition in this article, computer-readable media does not include transitory media, such as modulated data signals and carrier waves.
  • program modules include routines, programs, objects, components, data structures, etc. that perform specific tasks or implement specific abstract data types.
  • This application can also be practiced in distributed computing environments. In these distributed computing environments, remote processing devices connected through a communication network perform tasks.
  • program modules can be located in local and remote computer storage media including storage devices.

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Abstract

一种基于信用的资质信息审核方法、装置及设备。方案包括：在获取到终端发送的审核请求后(S101)，确定该审核请求对应的账户信息(S102)，并确定该账户信息对应的用户信用信息(S103)；根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息(S104)，令对应的用户信用越好的终端需提交资质信息的类别个数越小。

Description

一种基于信用的资质信息审核方法、装置及设备 技术领域
本申请涉及数据处理技术领域，尤其涉及一种基于信用的资质信息审核方法、装置及设备。
背景技术
企业资质是企业在从事某种行业经营中，应具有的资格以及与此资格相适应的质量等级标准。对于一些企业来说，需要具有相关的资质之后，才能进行合法的经营。企业在经营过程中，经常会使用到企业的资质证明文件。如企业与客户签订合同时，需提供《企业法人营业执照》等资质信息，客户对企业提交的资质信息进行人工审核，以确保资质信息的真实性及有效性。目前，对资质信息进行审核的方法存在人工成本较高，费时费力的问题。
发明内容
有鉴于此，本申请实施例提供了一种基于信用的资质信息审核方法、装置及设备，用于提高基于信用的资质信息审核效率。
为解决上述技术问题，本说明书实施例是这样实现的：
本说明书实施例提供的一种基于信用的资质信息审核方法，包括：
获取终端发送的审核请求；
确定所述审核请求对应的账户信息；
确定所述账户信息对应的用户信用信息；
根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
本说明书实施例提供的一种基于信用的资质信息审核装置，包括：
审核请求获取模块，用于获取终端发送的审核请求；
账户信息确定模块，用于确定所述审核请求对应的账户信息；
用户信用信息确定模块，用于确定所述账户信息对应的用户信用信息；
发送模块，用于根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
本说明书实施例提供的一种基于信用的资质信息审核设备，包括：
至少一个处理器；以及，
与所述至少一个处理器通信连接的存储器；其中，
所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：
获取终端发送的审核请求；
确定所述审核请求对应的账户信息；
确定所述账户信息对应的用户信用信息；
根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
本说明书实施例采用的上述至少一个技术方案能够达到以下有益效果：
在获取到终端发送的审核请求后，确定该审核请求对应的账户信息，并确定该账户信息对应的用户信用信息；根据用户信用信息，向所述终端发送需提交资质信息的类别信息，令用户信用信息对应的用户信用等级越高的终端需提交资质信息的类别个数越小。该方法通过令信用越高的用户需提交的资质信息类别数越少，以减少信用高的用户在申请线上店铺时需提交的资质信息，从而降低待审核的资质信息的数量，提高资质信息审核效率。
附图说明
此处所说明的附图用来提供对本申请的进一步理解，构成本申请的一部分，本申请 的示意性实施例及其说明用于解释本申请，并不构成对本申请的不当限定。在附图中：
图1为本说明书实施例提供的一种基于信用的资质信息审核方法的流程示意图；
图2为本说明书实施例提供的对用户提交的资质信息的审核方法的流程示意图；
图3为本说明书实施例提供的对资质信息进行自动审核的方法的流程示意图；
图4为本说明书实施例提供的对应于图1中方法的一种基于信用的资质信息审核装置的结构示意图；
图5为本说明书实施例提供的对应于图1中方法的一种基于信用的资质信息审核设备的结构示意图。
具体实施方式
为使本申请的目的、技术方案和优点更加清楚，下面将结合本申请具体实施例及相应的附图对本申请技术方案进行清楚、完整地描述。显然，所描述的实施例仅是本申请一部分实施例，而不是全部的实施例。基于本申请中的实施例，本领域普通技术人员在没有做出创造性劳动前提下所获得的所有其他实施例，都属于本申请保护的范围。
以下结合附图，详细说明本申请各实施例提供的技术方案。
企业资质是企业在从事某种行业经营中，应具有的资格以及与此资格相适应的质量等级标准。对于一些企业来说，需要具有相关的资质之后，才能进行合法的经营。企业在经营过程中，经常会使用到企业的资质证明文件，例如，企业在电子商务平台上申请线上店铺时，电子商务平台基于对线上交易负有的安全保障义务及一定程度的管理义务，电子商务平台会承担起对线上店铺注册信息的审查责任，如要求线上店铺申请人提交个人身份信息、营业资质等信息，以防假冒商家在电子商务平台上发布虚假交易信息而对消费者造成损害。目前，信用良好的企业在电子商务平台上申请线上店铺时，与信用较差的企业在申请线上店铺时，均需提供大量的资质信息，电子商务平台再对企业提交的资质信息进行人工审核，费时费力。
图1为本说明书实施例提供的一种基于信用的资质信息审核方法的流程示意图，从程序角度而言，流程的执行主体可以为搭载于电子商务平台的服务器上的程序。
S101：获取终端发送的审核请求。
在本说明书实施例中，所述终端可以是发起资质信息审核请求的用户终端。例如， 所述终端可以是申请线上店铺的商家的终端，商家先在电子商务平台上进行注册，获取注册账户，用户在终端上登录注册账户后，可以通过简单的操作触发开店流程，如用户点击“我要开店”图标触发开店流程，向电子商务平台的服务器发送审核请求。
S102：确定所述审核请求对应的账户信息；
在本说明书实施例中，所述审核请求中携带有账户标识信息或发送所述审核请求的终端的标识信息。具体的，所述账户信息可以包括发送该审核请求的账户的账户标识或用户注册该账户标识时填写的个人信息。所述个人信息可以包括用户的有效身份证件信息、联系方式或居住地址等信息。所述发送所述审核请求的终端的标识信息可以包括手机网卡地址或电脑的互联网协议地址等信息。
S103：确定所述账户信息对应的用户信用信息；
在本说明书实施例中，所述用户信用信息可以包括所述账户信息对应的用户的信用等级信息、贷款逾期未还信息、信用卡逾期还款信息或者历史诉讼案件信息等。所述用户信用信息可以预先存储于数据库中，电子商务平台的服务器可以从所述数据库中确定出与所述账户信息对应的用户信用信息。
S104：根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
在本说明书实施例中，所述需提交资质信息的类别信息用于提示用户所需提交的资质信息的种类，所述需提交资质信息的类别信息可以包括营业执照、经营许可证、税务登记证、完税证明、健康证、无犯罪记录证明或保证金中的至少一种。信用可靠程度高的用户相较信用可靠程度低的用户所需提交的资质信息的类别个数少，从而，在保证对信用可靠程度低的用户进行严格审核的同时，减少信用可靠程度高的用户所需提交的资质信息，进而提高开店审核效率。
在本说明书实施例中，通过确定审核请求对应的账户信息的用户信用信息，并令信用越高的用户在申请线上店铺时，需提交的开店资质类别的个数越少，可以为信用高的用户申请线上店铺时提供便利，并降低待审核的资质信息数量，提高基于信用的资质信息审核方法的效率。
基于图1中的方法，本说明书实施例还提供了该方法的一些具体实施方案，以及扩 展方案，下面进行说明。
在本说明书实施例中，图1中的方法可以应用于各个企业对资质信息的审核过程中，该流程可运行于各个企业的服务器上。企业服务器可以与用户终端进行交互，以获取用户终端发送的审核请求、操作者身份信息及资质信息。具体的，当所述企业服务器为电子商务平台的服务器时，图1中的方法可以应用于电子商务平台对正在开通线上店铺的企业的资质信息的审核过程中。例如，用户在终端上登录其在电子商务平台上的注册账户后，可以通过简单的操作触发开店流程，如用户点击“我要开店”图标触发开店流程，向电子商务平台服务器发送审核请求。电子商务平台服务器可以在接收到审核请求后启动图1中的程序，电子商务平台服务器也可以通过轮询方式，主动获取审核请求，并在获取到审核请求时启动图1中的程序。
电子商务平台服务器可以对终端采集的操作者身份信息及发送审核请求的账户所对应的用户身份信息进行匹配，若匹配成功，则认为该终端的操作用户在使用自己的已注册账户进行开店操作，此时，可以继续后续步骤；若匹配不成功，则认为该终端的操作用户与登录于该终端上的账户所归属的用户不同，存在操作者冒用他人账户申请线上店铺的风险，此时，流程可以跳转至结束。
电子商务平台服务器可以与银行、大数据企业、其他电子商务平台、公安局、检察院、法院及工商行政管理局等部门进行合作，以获取各部门数据库中的用户个人信用数据，并根据用户个人信用数据确定用户信用信息。电子商务平台服务器还可以与工商行政管理机关及国家税务机关进行合作，从而可通过上述机关的数据库对用户提交的资质信息的有效性进行确认。
在本说明书实施例中，对于步骤S102，当所述审核请求中携带有账户标识信息时，所述确定所述审核请求对应的账户信息，具体可以包括：确定所述账户标识信息对应的账户信息。
在实际应用中，向服务器发送的请求指令中往往携带有账户标识信息，所述账户标识信息可以包括cookies或账户唯一标识等；cookies是指某些网站为了辨别用户身份、进行session跟踪而储存在用户本地终端上的数据。具体的，可以先确定所述审核请求中的账户标识信息；再根据所述账户标识信息确定对应的账户信息。例如，当审核请求携带的cookies为A时，可以确定A所对应的账户的账户名B；进而确定账户名为B的账户的账户信息。
在本说明书实施例中，对于步骤S102，当所述审核请求中携带有发送所述审核请求的终端的标识信息时，所述确定所述审核请求对应的账户信息，具体可以包括：确定所述终端上登录的账户；确定所述账户的账户信息。
在实际应用中，可以设定一台设备终端上仅可允许一个该电子商务平台的已注册账户处于登录状态。当终端的标识信息为IP地址时，由于IP地址具有唯一性，此时，可以将该运行于该IP地址所在终端上的账户确定为发送审核请求的账户。
在本说明书实施例中，注册账户可能被他人盗用，以申请虚假线上店铺，为了进一步提高线上店铺申请的可靠性，对于步骤S103，所述确定所述账户信息对应的用户信用信息之前，还可以包括：
确定所述账户信息对应的注册用户身份信息；获取所述终端采集的操作用户身份信息；对所述注册用户身份信息及所述操作用户身份信息进行匹配，得到匹配度；判断所述匹配度是否大于预设阈值；若是，则确定所述账户信息对应的用户信用信息；若否，则跳转至结束。
在本说明书实施例中，所述操作用户身份信息包括操作用户人脸采集数据、操作用户指纹数据、操作用户虹膜数据或操作用户声音数据中的至少一种。注册用户身份信息的种类与操作用户身份信息的种类相匹配。例如，当操作用户身份信息为操作用户人脸采集数据及操作用户指纹数据时，所述注册用户身份信息也为用户人脸采集数据及用户指纹数据。
接上例，对所述注册用户身份信息及所述操作用户身份信息进行匹配，具体可以包括，将操作用户身份信息与注册用户身份信息中的用户人脸采集数据相匹配，得到用户人脸采集数据匹配度；将操作用户身份信息与注册用户身份信息中的用户指纹数据相匹配，得到用户指纹数据匹配度。假定预设阈值分别为用户人脸采集数据匹配度80％，用户指纹数据匹配度70％，此时，可以在得到的用户人脸采集数据匹配度大于80％，且用户指纹数据匹配度大于70％时，认为操作用户与所述账户标识对应的用户为同一用户，操作用户在使用自己的已注册账户进行店铺申请操作，因此，可以继续执行“确定所述账户信息对应的用户信用信息”的步骤。若否，则认为操作用户与所述账户标识对应的用户为不同的用户，操作用户在使用他人的已注册账户进行店铺申请操作，此时，流程跳转至结束。
在本说明书实施例中，通过在注册用户身份信息及操作用户身份信息的匹配度大于 预设阈值时，再执行步骤S103，可以避免用户冒用他人账户申请线上店铺，提高申请线上店铺时的真实性、安全性及可靠性。
在本说明书实施例中，对于步骤S103，确定所述账户信息对应的用户信用信息，具体可以包括：确定所述账户信息对应的注册用户身份信息；确定所述注册用户身份信息对应的用户信用信息。
在实际应用中，可以根据所述注册用户身份信息确定用户的法定证件信息，如身份证号等。确定所述注册用户身份信息对应的用户信用信息，具体可以包括：确定所述注册用户身份信息对应的用户身份证号码，确定所述身份证号码对应的用户的用户信用信息。在实际应用中，在执行步骤S103之前，电子商务平台服务器可以根据预设周期，确定各注册用户的用户信用信息，并将确定出的用户信用信息存储于数据库中；当然所述数据库中也可以只存储最新的用户信用信息。在执行步骤S103时，可以将最新的与所述账户信息对应的用户信用信息，确定为所述账户信息对应的用户信用信息。
在本说明书实施例中，电子商务平台服务器可以根据预设周期，确定各注册用户的用户信用信息，通过将最新的所述账户信息对应的用户信用信息，确定为所述账户信息对应的用户信用信息，可以提高确定出的用户信用信息的时效性，从而提高根据所述用户信用信息向所述终端发送的需提交资质信息的类别信息的准确性。
在本说明书实施例中，所述用户信用信息中可以包括用户信用等级，所述用户信用等级可以根据信用评分模型确定。具体的，可以根据信用评分模型，对用户个人信用数据进行信用等级评估，确定用户信用等级。
信用评分模型是以分数或等级的形式来衡量用户信用情况的一种模型。所述信用评分模型可以使用现有的金融机构用于对用户信用进行评价的评分卡模型去实现，也可以抽取一定数量的用户信用信息，对用户信用信息进行数据清洗、缺失值处理、异常值处理，以得到可以用于信用评分模型开发的格式化数据。对格式化数据进行数据分析、模型开发、模型评估等操作，生成信用评分模型。根据逻辑回归系数和数据权重等确定信用评分模型。所述用户个人信用数据可以包括存量用户及潜在用户的个人信用数据。存量用户是指已经在电子商务平台上开通线上店铺的用户；潜在客户是指在未来有望在电子商务平台上开通线上店铺的用户，这些潜在用户包括在其他电子商务平台上开通了线上店铺的用户；上述用户为开通的线上店铺的法定代表人。具体的，用户个人信用数据可以包括：从电子商务平台及公安机关数据库中获取的用户身份信息；从各银行数据库中获取的所述用户的贷款信息或所述用户的信用卡信息；从公安局、检察院、法院等部 门的诉讼案件数据库中获取的与所述用户相关的诉讼案件信息；从工商局数据库、各电子商务平台数据库或大数据企业经数据库中获取的与所述用户相关的企业的历史经营数据及与所述用户相关的企业的经营范围信息。
采用信用评分模型对不同种类的个人信用数据进行信用等级评估时，对应的评分条件不同。具体的，对用户身份信息进行评估时，可以根据用户年龄所处数值区间，确定第一信用分值；根据用户年收入所处数值区间，确定第二信用分值。对用户贷款信息进行评估时，可以根据贷款数值所处数值区间，确定第三信用分值；可以根据贷款用途的种类，确定第四信用分值。对用户信用卡信息进行评估时，可以根据信用卡违约次数所处数值区间，确定第五信用分值；根据信用卡存款金额所处数值区间，确定第六信用分值。对用户诉讼案件信息进行评估时，可以根据该用户作为法定代表人的企业作为被告的诉讼案件数量所处数值区间，确定第七信用分值。对与用户相关的企业历史经营数据及企业经营范围信息进行评估时，可以根据该用户作为法定代表人的企业在其他电子商业平台上的线上店铺被投诉的概率所处数值区间，确定第八信用分值；根据该企业的经营范围与实际经营项目的匹配度所处数值区间，确定第九信用分值。将第一信用分值至第九信用分值之和确定为用户信用评分。将预设信用等级对应的分值区间与确定出的用户信用评分所处的数值区间进行比较，确定用户的信用等级。
在本说明书实施例中，所述需提交资质信息可以包括营业执照、经营许可证、税务登记证、完税证明、健康证、无犯罪记录证明、保证金中的至少一种。需提交资质信息的类别信息与用户信用等级间的对应关系，具体可以包括：第一用户信用等级对应的需提交资质信息的类别个数小于第二用户信用等级对应的需提交资质信息的类别个数，所述第一用户信用等级高于所述第二用户信用等级。例如，假定用户信用等级共五级，信用等级由高至低依序为第一用户信用等级、第二用户信用等级、第三用户信用等级、第四用户信用等级及第五用户信用等级。第一用户信用等级对应的需提交资质信息的类别可以为营业执照；第二用户信用等级对应的需提交资质信息的类别可以为营业执照、经营许可证；第三用户信用等级对应的需提交资质信息的类别可以为营业执照、经营许可证及税务登记证；第四用户信用等级对应的需提交资质信息的类别可以为营业执照、经营许可证、税务登记证、完税证明、健康证及保证金；第五用户信用等级对应的需提交资质信息的类别可以为营业执照、经营许可证、税务登记证、完税证明、健康证、无犯罪记录证明及保证金。
在本说明书实施例中，通过令用户信用等级越高的用户需提交的开店资质类别的个 数越少，以减少信用等级高的用户在申请线上店铺时需提交的资质信息，从而降低待审核的资质信息数量，提高资质信息审核效率。
在本说明书实施例中，步骤S104之后，还可以包括对用户提交的资质信息的审核流程，如图2所示，该流程具体可以包括以下步骤：
S201：获取所述终端发送的资质信息；所述资质信息的类别与所述类别信息相匹配。
在本说明书实施例中，用户的终端接收到需提交资质信息的类别信息后，可以向服务器发送与所述需提交资质信息的类别信息匹配的资质信息。具体的，终端发送的资质信息的类别可以与所述类别信息中包含的资质信息的类别相同。例如，当所述需提交资质信息的类别信息为营业执照及经营许可证时，用户只需提交营业执照信息及经营许可证信息。
S202：确定所述资质信息的类别。
S203：根据所述资质信息的类别，对所述资质信息进行划分，得到第一信息集合和第二信息集合。
在本说明书实施例中，所述资质信息的类别可以包括自动审核类及人工审核类；可以根据对各资料的预设审核条件，确定所述资质信息的类别。例如，所述预设审核条件可以为对营业执照、经营许可证、税务登记证等三种进行自动审核，对其他的资质信息进入人工审核。当确定获取的资质信息为营业执照时，将该资质信息划分至第一信息集合。当确定获取的资质信息为健康证明时，将该资质信息划分至第二信息集合。
S204：对所述第一信息集合中的资质信息进行自动审核。
S205：判断第一信息集合中的资质信息是否全部审核通过。
S206：若第一信息集合中的资质信息未全部审核通过，则将第一信息集合中未审核通过的资质信息划分至第二信息集合；若第一信息集合中的资质信息全部审核通过，则跳转至步骤S207。
S207：对第二信息集合中的资质信息进行人工审核。
S208：判断第二信息集合中的资质信息是否全部审核通过。
S209：若第二信息集合中的资质信息全部审核通过，则向所述终端发送审核通过信息。
S210：若第二信息集合中的资质信息未全部审核通过，则向所述终端发送未审核通 过的资质信息的类别。
在本说明书实施例中，当用户提交的资质信息全部审核通过后，可以向终端发送审核通过信息。具体的，当采用图2中的方法处理企业提交的开店资质信息时，若第二信息集合中的资质信息全部审核通过，则可以向所述终端发送线上店铺开通成功的信息及进入线上店铺管理页面的链接。该线上店铺的经营行为将被存储至电子商务平台的服务器中，当该线上店铺的法定代表人在该平台上再次申请线上店铺时，该线上店铺的经营行为将作为用户个人信用数据，在电子商务平台服务器确定用户的信用等级时被使用，若该线上店铺存在非法经营行为或不规范经营行为时，将导致用户信用等级降低，用户需提供较多的资质信息，影响线上店铺的申请难易度，从而对商户在线上店铺的经营行为形成威慑力，让商户自觉合法经营，降低店铺管理成本。
在本说明书实施例中，通过对获取到的资质信息进行划分，并根据资质信息的种类对其进行自动审核或人工审核，通过采用自动审核方式，提高了对资质信息的审核效率。当自动审核结果表示资质信息未审核通过时，采用人工审核方法再次对该资质信息进行审核，可提高资质信息的审核准确性，减小因自动审核误差导致的审核结果不准确的问题，提高审核结果的准确性。
在本说明书实施例中，还提供了对资质信息进行自动审核的方法，如图3所示，对资质信息进行自动审核的流程，具体可以包括如下步骤：
S301：对于所述第一信息集合中的任意一条资质信息，采用光学字符识别技术，确定所述任意一条资质信息中的关键文本信息。
S302：向数据库发送资质信息查询指令；所述查询指令对应的查询条件中包含所述关键文本信息。
S303：接收所述数据库响应于所述查询指令反馈的查询结果。
S304：根据所述查询结果，确定所述任意一条资质信息对应的审核结果。
在本说明书实施例中，步骤S204具体可以包括，采用步骤S301-S304对第一信息集合中的一条资质信息进行处理，确定该条资质信息的审核结果，当审核结果表示所述任意一条资质信息审核通过时，则采用步骤S301-S304对第一信息集合中的其他资质信息进行审核，直至对第一信息集合中的信息全部完成审核。当所述审核结果表示所述任意一条资质信息未审核通过时，可以对该条资质信息进行未审核通过标记，并采用步骤S301-S304对第一信息集合中的其他资质信息进行审核，直至对第一信息集合中的信息 全部完成审核；将带有未审核通过标记的信息划分至第二信息集合进行人工审核。
在本说明书实施例中，步骤S301具体可以包括，识别所述任意一条资质信息中的字符；将识别出的字符转化为文本信息；根据所述任意一条资质信息的类别，从所述文本信息中确定出所述任意一条资质信息中的关键文本信息。
在本说明书实施例中，可以采用现有的光学字符识别技术去采集资质信息中的字符。其中，根据所述任意一条资质信息的类别，从所述文本信息中确定出所述任意一条资质信息中的关键文本信息，具体可以包括：查询所述文本信息中是否包含“营业执照”、“经营许可证”、“税务登记证”等字样，通常来说，一个文本信息中只包括上述三种字样中的一种。当文本信息中包含“营业执照”时，可以确定该文本信息对应的资质信息的类别为营业执照，进而可以根据预设的营业执照对应的需提取的关键文本信息，从所述文本信息中确定出所述任意一条资质信息中的关键文本信息。例如，可以预设营业执照对应的需提取的关键文本信息包括：法定代表人信息、注册号信息、注册资本信息及成立日期信息。可以预设经营许可证对应的需提取的关键文本信息包括：法定代表人信息、许可证编号信息及社会信用代码信息。可以预设税务登记证对应的需提取的关键文本信息包括：法定代表人信息及税字号信息。
在本说明书实施例中，步骤S301中向数据库发送资质信息查询指令；所述查询指令对应的查询条件中包含所述关键文本信息，其中，所述数据库可以为多个，例如，当关键文本信息中包括营业执照字样时，可以向工商局存储有营业执照信息的数据库发送资质信息查询指令，以确定所述数据库中是否存储有与关键文本信息中的法定代表人信息、注册号信息、注册资本信息及成立日期信息全部相同，且法定代表人与注册用户信息归属人为同一人的营业执照，若存在，则该条资质信息对应的审核结果为审核通过。可见，本实施例中用户注册信息对应的用户与终端提交的营业执照的法定代表人需为同一人。
同理，当关键文本信息中包括经营许可证时，可以向国家食品药品监督管理局存储有经营许可证信息的数据库发送资质信息查询指，当所述数据库中存储有与关键文本信息中的法定代表人信息、许可证编号信息及社会信用代码信息全部相同，且法定代表人与注册用户信息归属人为同一人的经营许可证时，该条资质信息对应的审核结果为审核通过。当关键文本信息中包括税务登记证时，可以向国家税务总局存储有税务登记证信息的数据库发送资质信息查询指，当所述数据库中存储有与关键文本信息中的法定代表人信息及税字号信息全部相同，且法定代表人与注册用户信息归属人为同一人的税务登 记证时，该条资质信息对应的审核结果为审核通过。
本说明书实施例中，公开了对资质信息的自动审核方法，通过向数据库发送查询条件中包含所述关键文本信息的资质信息查询指令，并根据数据库响应于所述查询指令反馈的查询结果确定对资质信息的审核结果，可以大大提高对资质信息的审核效率。
基于同样的思路，本说明书实施例还提供了上述方法对应的装置。图4为本说明书实施例提供的对应于图1中方法的一种基于信用的资质信息审核装置的结构示意图。
如图4所示，该装置可以包括：
审核请求获取模块401，用于获取终端发送的审核请求；
账户信息确定模块402，用于确定所述审核请求对应的账户信息；
用户信用信息确定模块403，用于确定所述账户信息对应的用户信用信息；
发送模块404，用于根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
在本说明书实施例中，发送模块通过令信用可靠程度高的用户相较信用可靠程度低的用户所需提交的资质信息的类别个数少，从而在保证对信用可靠程度低的用户的进行严格审核的同时，减少信用可靠程度高的用户所需提交的资质信息，进而提高开店审核效率。
本说明书实施例中，所述基于信用的资质信息审核装置还可以包括：
资质信息获取模块，用于获取所述终端发送的资质信息；所述资质信息的类别与所述类别信息相匹配；资质信息审核模块，用于对所述资质信息进行审核。
本说明书实施例中，所述资质信息审核模块，具体可以包括：
资质信息的类别确定单元，用于确定所述资质信息的类别。
资质信息划分单元，用于根据所述资质信息的类别，对所述资质信息进行划分，得到第一信息集合和第二信息集合。
自动审核单元，用于对所述第一信息集合中的资质信息进行自动审核。
人工审核单元，用于对所述第二信息集合中的资质信息进行人工审核。
本说明书实施例中，所述自动审核单元具体可以用于：
对于所述第一信息集合中的任意一条资质信息，采用光学字符识别技术，确定所述任意一条资质信息中的关键文本信息。
向数据库发送资质信息查询指令；所述查询指令对应的查询条件中包含所述关键文本信息。
接收所述数据库响应于所述查询指令反馈的查询结果。
根据所述查询结果，确定所述任意一条资质信息对应的审核结果。
基于同样的思路，本说明书实施例还提供了上述方法对应的设备。图5为本说明书实施例提供的对应于图1中方法的一种基于信用的资质信息审核设备的结构示意图。
如图5所示，该设备500可以包括：
至少一个处理器510；以及，
与所述至少一个处理器通信连接的存储器530；其中，
所述存储器存储有可被所述至少一个处理器510执行的指令520，所述指令被所述至少一个处理器510执行，以使所述至少一个处理器510能够：
获取终端发送的审核请求。
确定所述审核请求对应的账户信息。
确定所述账户信息对应的用户信用信息。
根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
在本说明书实施例中，基于信用的资质信息审核设备根据用户信用信息，向操作用户的终端发送需提交开店资质类别。该设备通过令信用越高的操作用户需提交的开店资质类别的个数越少，以减少信用高的用户在申请线上店铺时需提交的资质信息，从而降低待审核的资质信息数量，提高基于信用的资质信息审核过程的效率。
在本说明书实施例中，所述至少一个处理器还能够：
在所述向所述终端发送需提交资质信息的类别信息之后，获取所述终端发送的 资质信息；所述资质信息的类别与所述类别信息相匹配。
确定所述资质信息的类别。
根据所述资质信息的类别，对所述资质信息进行划分，得到第一信息集合和第二信息集合。
对所述第一信息集合中的资质信息进行自动审核。
对所述第二信息集合中的资质信息进行人工审核。
本说明书实施例中，基于信用的资质信息审核设备根据资质信息的种类对其进行自动审核或人工审核，由于采用了自动审核方式，可以大大提高对资质信息的审核效率，节省人力。
在20世纪90年代，对于一个技术的改进可以很明显地区分是硬件上的改进(例如，对二极管、晶体管、开关等电路结构的改进)还是软件上的改进(对于方法流程的改进)。然而，随着技术的发展，当今的很多方法流程的改进已经可以视为硬件电路结构的直接改进。设计人员几乎都通过将改进的方法流程编程到硬件电路中来得到相应的硬件电路结构。因此，不能说一个方法流程的改进就不能用硬件实体模块来实现。例如，可编程逻辑器件(Programmable Logic Device,PLD)(例如现场可编程门阵列(Field Programmable Gate Array，FPGA))就是这样一种集成电路，其逻辑功能由用户对器件编程来确定。由设计人员自行编程来把一个数字系统“集成”在一片PLD上，而不需要请芯片制造厂商来设计和制作专用的集成电路芯片。而且，如今，取代手工地制作集成电路芯片，这种编程也多半改用“逻辑编译器(logic compiler)”软件来实现，它与程序开发撰写时所用的软件编译器相类似，而要编译之前的原始代码也得用特定的编程语言来撰写，此称之为硬件描述语言(Hardware Description Language，HDL)，而HDL也并非仅有一种，而是有许多种，如ABEL(Advanced Boolean Expression Language)、AHDL(Altera Hardware Description Language)、Confluence、CUPL(Cornell University Programming Language)、HDCal、JHDL(Java Hardware Description Language)、Lava、Lola、MyHDL、PALASM、RHDL(Ruby Hardware Description Language)等，目前最普遍使用的是VHDL(Very-High-Speed Integrated Circuit Hardware Description Language)与Verilog。本领域技术人员也应该清楚，只需要将方法流程用上述几种硬件描述语言稍作逻辑编程并编程到集成电路中，就可以很容易得到实现该逻辑方法流程的硬件电路。
控制器可以按任何适当的方式实现，例如，控制器可以采取例如微处理器或处 理器以及存储可由该(微)处理器执行的计算机可读程序代码(例如软件或固件)的计算机可读介质、逻辑门、开关、专用集成电路(Application Specific Integrated Circuit，ASIC)、可编程逻辑控制器和嵌入微控制器的形式，控制器的例子包括但不限于以下微控制器：ARC 625D、Atmel AT91SAM、Microchip PIC18F26K20以及Silicone Labs C8051F320，存储器控制器还可以被实现为存储器的控制逻辑的一部分。本领域技术人员也知道，除了以纯计算机可读程序代码方式实现控制器以外，完全可以通过将方法步骤进行逻辑编程来使得控制器以逻辑门、开关、专用集成电路、可编程逻辑控制器和嵌入微控制器等的形式来实现相同功能。因此这种控制器可以被认为是一种硬件部件，而对其内包括的用于实现各种功能的装置也可以视为硬件部件内的结构。或者甚至，可以将用于实现各种功能的装置视为既可以是实现方法的软件模块又可以是硬件部件内的结构。
上述实施例阐明的系统、装置、模块或单元，具体可以由计算机芯片或实体实现，或者由具有某种功能的产品来实现。一种典型的实现设备为计算机。具体的，计算机例如可以为个人计算机、膝上型计算机、蜂窝电话、相机电话、智能电话、个人数字助理、媒体播放器、导航设备、电子邮件设备、游戏控制台、平板计算机、可穿戴设备或者这些设备中的任何设备的组合。
为了描述的方便，描述以上装置时以功能分为各种单元分别描述。当然，在实施本申请时可以把各单元的功能在同一个或多个软件和/或硬件中实现。
本领域内的技术人员应明白，本发明的实施例可提供为方法、系统、或计算机程序产品。因此，本发明可采用完全硬件实施例、完全软件实施例、或结合软件和硬件方面的实施例的形式。而且，本发明可采用在一个或多个其中包含有计算机可用程序代码的计算机可用存储介质(包括但不限于磁盘存储器、CD-ROM、光学存储器等)上实施的计算机程序产品的形式。
本发明是参照根据本发明实施例的方法、设备(系统)、和计算机程序产品的流程图和/或方框图来描述的。应理解可由计算机程序指令实现流程图和/或方框图中的每一流程和/或方框、以及流程图和/或方框图中的流程和/或方框的结合。可提供这些计算机程序指令到通用计算机、专用计算机、嵌入式处理机或其他可编程数据处理设备的处理器以产生一个机器，使得通过计算机或其他可编程数据处理设备的处理器执行的指令产生用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的装置。
这些计算机程序指令也可存储在能引导计算机或其他可编程数据处理设备以特定方式工作的计算机可读存储器中，使得存储在该计算机可读存储器中的指令产生包括指令装置的制造品，该指令装置实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能。
这些计算机程序指令也可装载到计算机或其他可编程数据处理设备上，使得在计算机或其他可编程设备上执行一系列操作步骤以产生计算机实现的处理，从而在计算机或其他可编程设备上执行的指令提供用于实现在流程图一个流程或多个流程和/或方框图一个方框或多个方框中指定的功能的步骤。
在一个典型的配置中，计算设备包括一个或多个处理器(CPU)、输入/输出接口、网络接口和内存。
内存可能包括计算机可读介质中的非永久性存储器，随机存取存储器(RAM)和/或非易失性内存等形式，如只读存储器(ROM)或闪存(flash RAM)。内存是计算机可读介质的示例。
计算机可读介质包括永久性和非永久性、可移动和非可移动媒体可以由任何方法或技术来实现信息存储。信息可以是计算机可读指令、数据结构、程序的模块或其他数据。计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。按照本文中的界定，计算机可读介质不包括暂存电脑可读媒体(transitory media)，如调制的数据信号和载波。
还需要说明的是，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、商品或者设备不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、商品或者设备所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括所述要素的过程、方法、商品或者设备中还存在另外的相同要素。
本申请可以在由计算机执行的计算机可执行指令的一般上下文中描述，例如程序模块。一般地，程序模块包括执行特定任务或实现特定抽象数据类型的例程、程序、 对象、组件、数据结构等等。也可以在分布式计算环境中实践本申请，在这些分布式计算环境中，由通过通信网络而被连接的远程处理设备来执行任务。在分布式计算环境中，程序模块可以位于包括存储设备在内的本地和远程计算机存储介质中。
本说明书中的各个实施例均采用递进的方式描述，各个实施例之间相同相似的部分互相参见即可，每个实施例重点说明的都是与其他实施例的不同之处。尤其，对于系统实施例而言，由于其基本相似于方法实施例，所以描述的比较简单，相关之处参见方法实施例的部分说明即可。
以上所述仅为本申请的实施例而已，并不用于限制本申请。对于本领域技术人员来说，本申请可以有各种更改和变化。凡在本申请的精神和原理之内所作的任何修改、等同替换、改进等，均应包含在本申请的权利要求范围之内。

Claims (13)

  1. 一种基于信用的资质信息审核方法，包括：
    获取终端发送的审核请求；
    确定所述审核请求对应的账户信息；
    确定所述账户信息对应的用户信用信息；
    根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
  2. 如权利要求1所述的方法，所述确定所述账户信息对应的用户信用信息之前，还包括：
    确定所述账户信息对应的注册用户身份信息；
    获取所述终端采集的操作用户身份信息；
    对所述注册用户身份信息及所述操作用户身份信息进行匹配，得到匹配度；
    判断所述匹配度是否大于预设阈值；
    若是，则确定所述账户信息对应的用户信用信息。
  3. 如权利要求2所述的方法，所述操作用户身份信息包括操作用户人脸采集数据、操作用户指纹数据、操作用户虹膜数据或操作用户声音数据中的至少一种。
  4. 如权利要求1所述的方法，所述用户信用信息包括所述用户信用等级，所述用户信用等级是根据信用评分模型确定的。
  5. 如权利要求1所述的方法，所述向所述终端发送需提交资质信息的类别信息之后，还包括：
    获取所述终端发送的资质信息；所述资质信息的类别与所述类别信息相匹配；
    对所述资质信息进行审核。
  6. 如权利要求5所述的方法，所述对所述资质信息进行审核，具体包括：
    确定所述资质信息的类别；
    根据所述资质信息的类别，对所述资质信息进行划分，得到第一信息集合和第二信息集合；
    对所述第一信息集合中的资质信息进行自动审核；
    对所述第二信息集合中的资质信息进行人工审核。
  7. 如权利要求6所述的方法，所述对所述第一信息集合中的资质信息进行自动审 核，具体包括：
    对于所述第一信息集合中的任意一条资质信息，采用光学字符识别技术，确定所述任意一条资质信息中的关键文本信息；
    向数据库发送资质信息查询指令；所述查询指令对应的查询条件中包含所述关键文本信息；
    接收所述数据库响应于所述查询指令反馈的查询结果；
    根据所述查询结果，确定所述任意一条资质信息对应的审核结果。
  8. 如权利要求7所述的方法，所述确定所述任意一条资质信息中的关键文本信息，具体包括：
    识别所述任意一条资质信息中的字符；
    将识别出的字符转化为文本信息；
    根据所述任意一条资质信息的类别，从所述文本信息中确定出所述任意一条资质信息中的关键文本信息。
  9. 一种基于信用的资质信息审核装置，包括：
    审核请求获取模块，用于获取终端发送的审核请求；
    账户信息确定模块，用于确定所述审核请求对应的账户信息；
    用户信用信息确定模块，用于确定所述账户信息对应的用户信用信息；
    发送模块，用于根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
  10. 如权利要求9所述的装置，所述装置还包括：
    资质信息获取模块，用于获取所述终端发送的资质信息；所述资质信息的类别与所述类别信息相匹配；
    资质信息审核模块，用于对所述资质信息进行审核。
  11. 如权利要求10所述的装置，所述资质信息审核模块，具体包括：
    资质信息的类别确定单元，用于确定所述资质信息的类别；
    资质信息划分单元，用于根据所述资质信息的类别，对所述资质信息进行划分，得到第一信息集合和第二信息集合；
    自动审核单元，用于对所述第一信息集合中的资质信息进行自动审核；
    人工审核单元，用于对所述第二信息集合中的资质信息进行人工审核。
  12. 如权利要求11所述的装置，所述自动审核单元具体用于：
    对于所述第一信息集合中的任意一条资质信息，采用光学字符识别技术，确定所述任意一条资质信息中的关键文本信息；
    向数据库发送资质信息查询指令；所述查询指令对应的查询条件中包含所述关键文本信息；
    接收所述数据库响应于所述查询指令反馈的查询结果；
    根据所述查询结果，确定所述任意一条资质信息对应的审核结果。
  13. 一种基于信用的资质信息审核设备，包括：
    至少一个处理器；以及，
    与所述至少一个处理器通信连接的存储器；其中，
    所述存储器存储有可被所述至少一个处理器执行的指令，所述指令被所述至少一个处理器执行，以使所述至少一个处理器能够：
    获取终端发送的审核请求；
    确定所述审核请求对应的账户信息；
    确定所述账户信息对应的用户信用信息；
    根据所述用户信用信息，向所述终端发送需提交资质信息的类别信息；第一用户信用信息对应的需提交资质信息的类别个数小于第二用户信用信息对应的需提交资质信息的类别个数，所述第一用户信用信息对应的用户信用等级高于所述第二用户信用信息对应的用户信用等级。
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