WO2020177478A1 - Procédé, appareil et dispositif d'audit d'informations de qualification sur la base d'un crédit - Google Patents

Procédé, appareil et dispositif d'audit d'informations de qualification sur la base d'un crédit 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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WIPO (PCT)
Prior art keywords
information
qualification
user
credit
qualification information
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PCT/CN2020/070508
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English (en)
Chinese (zh)
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李丰
郭玉锋
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阿里巴巴集团控股有限公司
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Publication of WO2020177478A1 publication Critical patent/WO2020177478A1/fr

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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; CALCULATING OR 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—Buyer or seller confidence or verification

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

La présente invention concerne un procédé, un appareil et un dispositif d'audit des informations de qualification sur la base d'un crédit. La solution consiste : après l'obtention d'une requête d'audit envoyée par un terminal (S101), à déterminer des informations de compte correspondant à la demande d'audit (S102), et à déterminer des informations de crédit d'utilisateur correspondant aux informations de compte (S103) ; à envoyer, selon les informations de crédit d'utilisateur, au terminal, des informations de catégorie concernant des informations de qualification à soumettre (S104). L'invention garantit que plus le crédit d'utilisateur correspond à un terminal, plus petit est le nombre de catégories d'informations de qualification à soumettre.
PCT/CN2020/070508 2019-03-06 2020-01-06 Procédé, appareil et dispositif d'audit d'informations de qualification sur la base d'un crédit WO2020177478A1 (fr)

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CN110766340A (zh) * 2019-10-31 2020-02-07 支付宝(杭州)信息技术有限公司 一种业务审核方法、装置及设备
CN111586448A (zh) * 2020-01-20 2020-08-25 全息空间(深圳)智能科技有限公司 直播平台主播预筛选方法、装置及存储介质
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