WO2022057682A1 - 一种数据处理方法、装置及计算机可读存储介质 - Google Patents

一种数据处理方法、装置及计算机可读存储介质 Download PDF

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Publication number
WO2022057682A1
WO2022057682A1 PCT/CN2021/116933 CN2021116933W WO2022057682A1 WO 2022057682 A1 WO2022057682 A1 WO 2022057682A1 CN 2021116933 W CN2021116933 W CN 2021116933W WO 2022057682 A1 WO2022057682 A1 WO 2022057682A1
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Prior art keywords
information
user
recognition result
account
identity
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English (en)
French (fr)
Inventor
王唐方
单长胜
罗佳
郭宇航
潘陈钰
倪德中
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China Unionpay Co Ltd
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China Unionpay Co 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G06V40/1365—Matching; Classification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions
    • G06V40/172—Classification, e.g. identification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/18—Eye characteristics, e.g. of the iris
    • G06V40/197—Matching; Classification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V30/00—Character recognition; Recognising digital ink; Document-oriented image-based pattern recognition
    • G06V30/10—Character recognition

Definitions

  • the invention belongs to the field of financial technology, and in particular relates to a data processing method, a device and a computer-readable storage medium.
  • the present invention provides the following solutions.
  • a data processing method comprising: acquiring a user's request for opening an account, where the request for opening an account includes basic information, identity image information and biological information submitted by the user; Perform image recognition and matching on the image information to obtain an image recognition result; perform biometric matching on the biological information according to the image recognition result to obtain a biological recognition result; according to the image recognition result, the biological recognition result and the basic information Perform identity authentication to obtain an identity authentication result; create an account according to the image recognition result, the biometric recognition result and the identity authentication result, and determine the operation authority of the account.
  • performing image recognition and matching on the identity image information according to the basic information includes: performing the image recognition on the identity image information by using an OCR technology, to obtain an image on the identity image information. Character information and photo information; the character information on the identity image information is matched according to the basic information to obtain the image recognition result.
  • the biometric information of the user includes: iris information, fingerprint information and facial feature information
  • performing biometric matching on the biometric information according to the image recognition result includes: according to the iris information , the fingerprint information and the facial feature information are subjected to living body detection and identification; the face matching is performed on the iris information and the facial feature information according to the photo information on the identity image information.
  • performing identity authentication according to the image recognition result, the biometric recognition result and the basic information includes: acquiring authentication information of the user from a third-party system, where the authentication message includes a photo An authentication message and a text authentication message; the basic information, the biological information, the character information and the photo information on the identity image information are matched according to the authentication message.
  • creating an account according to the image recognition result, the biometrics result and the identity authentication result includes: according to the image recognition result, the biometrics result and the identity authentication result , determine the reliability value of the user; if the reliability value of the user satisfies a preset condition, create an account according to the basic information, the identity image information and the biological information submitted by the user.
  • determining the operation authority of the account includes: obtaining preset risk values of multiple types of restricted operations, and comparing the reliability value of the user with the subject risk value of each type of restricted operation.
  • the preset risk value of the limited operation determines the first operation authority of the account, and the first operation authority is used to indicate the operation type range of the account; and/or, according to the reliability value of the user, determine the first operation authority.
  • the second operation authority of the account is used to indicate the operation limit range of the account.
  • the reliability value of the user is determined according to the image recognition result, the biometric recognition result and the identity authentication result, including: any one of multiple types of recognition results If the recognition result does not satisfy the corresponding preset condition, the security factor corresponding to any one of the recognition results is subtracted from the initial value of the reliability of the user to obtain the reliability value of the user;
  • the initial value of the reliability value is the sum of the respective security factors corresponding to the multiple types of identification results, and the multiple types of identification results include at least the image identification results, the biometric identification results, and the identity Authentication result.
  • the initial value of the user's reliability value is the first security factor A corresponding to the image recognition result, the second security factor B corresponding to the biometric recognition result, and the third security factor C corresponding to the identity authentication result and the sum of the fourth safety factors D corresponding to other identification results; wherein, the safety factor corresponding to any one of the identification results is adjusted accordingly as the accuracy of any one of the identification results changes.
  • the proportion of the sum of the first safety factor A, the second safety factor B and the third safety factor C relative to the initial value of the reliability value is greater than 90%; and, The proportion of the first safety factor A relative to the sum of the three is 20% to 25%; the proportion of the second safety factor B relative to the sum of the three is 30% to 35%; the third safety factor C relative to the three The combined share is 40% to 45%.
  • the method further includes: performing blacklist matching according to the basic information of the user, and rejecting the account opening request if there is a match.
  • a data processing device comprising: an acquisition unit configured to acquire a user's request for opening an account, where the request for opening an account includes basic information, identity image information and biological information submitted by the user; a first identification unit , for performing image recognition and matching on the identity image information according to the basic information to obtain an image recognition result; a second recognition unit for performing biometric matching on the biological information according to the image recognition result to obtain a biological recognition result; a third identification unit for performing identity authentication according to the image identification result, the biometric identification result and the basic information to obtain an identity authentication result; a creation unit for performing identity authentication according to the image identification result, the biometric identification The identification result and the identity authentication result create an account, and determine the operation authority of the account.
  • the first recognition unit is further configured to: perform the image recognition on the identity image information by using the OCR technology to obtain character information and photo information on the identity image information;
  • the basic information matches the character information on the identity image information to obtain the image recognition result.
  • the biometric information of the user includes: iris information, fingerprint information and facial feature information
  • the second identification unit is further configured to: according to the iris information, the fingerprint information and the The facial feature information is subjected to living body detection and recognition; the face matching is performed on the iris information and the facial feature information according to the photo information on the identity image information.
  • the third identification unit is further configured to: acquire authentication information of the user from a third-party system, where the authentication message includes a photo authentication message and a text authentication message; The basic information, the biological information, the character information on the identity image information and the photo information are matched.
  • the creating unit is further configured to: determine the reliability value of the user according to the image recognition result, the biometric recognition result and the identity authentication result; If the reliability value satisfies the preset condition, an account is created according to the basic information, the identity image information and the biological information submitted by the user.
  • the creating unit is further configured to: obtain preset risk values of multiple types of restricted operations, by comparing the reliability value of the user with the restricted operations of each type
  • the preset risk value of The second operation authority is used to indicate the operation limit range of the account.
  • the creating unit is further configured to: if any one of the multiple types of identification results does not satisfy the corresponding preset condition, subtract the value from the initial value of the reliability of the user. Go to the security factor corresponding to any one of the recognition results to obtain the reliability value of the user; wherein, the initial value of the reliability value of the user is the security factor corresponding to each of the various types of recognition results
  • the multiple types of identification results include at least the image identification result, the biometric identification result, and the identity authentication result.
  • the initial value of the user's reliability value is the first security factor A corresponding to the image recognition result, the second security factor B corresponding to the biometric recognition result, and the third security factor C corresponding to the identity authentication result and the sum of the fourth safety factors D corresponding to other identification results; wherein, the safety factor corresponding to any one of the identification results is adjusted accordingly as the accuracy of any one of the identification results changes.
  • the proportion of the sum of the first safety factor A, the second safety factor B and the third safety factor C relative to the initial value of the reliability value is greater than 90%; and, The proportion of the first safety factor A relative to the sum of the three is 20% to 25%; the proportion of the second safety factor B relative to the sum of the three is 30% to 35%; the third safety factor C relative to the three The combined share is 40% to 45%.
  • the apparatus further includes a blacklist matching unit, configured to: perform blacklist matching according to the basic information of the user, and reject the account opening request if there is a match.
  • a data processing apparatus comprising: at least one processor; and a memory connected in communication with the at least one processor; wherein the memory stores instructions executable by the at least one processor, and the instructions are processed by the at least one processor
  • the processor executes to enable at least one processor to execute: the method of the first aspect.
  • a computer-readable storage medium stores a program, and when the program is executed by a multi-core processor, the multi-core processor causes the multi-core processor to perform the method of the first aspect.
  • the above-mentioned at least one technical solution adopted in the embodiments of the present application can achieve the following beneficial effects: while opening an account for the user online, in order to meet the risk control requirements of the feature, image recognition is performed according to the basic information, identity image information and biological information submitted by the user, Biometric identification and identity authentication determine its reliability, and set accounts with different operating limits according to the user's reliability to ensure the security of data processing.
  • FIG. 1 is a schematic flowchart of a data processing method according to an embodiment of the present invention.
  • FIG. 2 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of a data processing apparatus according to yet another embodiment of the present invention.
  • FIG. 1 is a schematic flowchart of a data processing method 100 according to an embodiment of the present application, which is used to realize remote and secure account opening.
  • the execution subject may be one or more electronic devices; from the program From an angle, the execution subject can be a program mounted on these electronic devices accordingly.
  • the method 100 may include:
  • Step 101 Obtain a user's request for opening an account, where the request for opening an account includes basic information, identity image information and biological information submitted by the user;
  • the basic information submitted by the user may include basic information such as nationality, gender, name, certificate type, certificate number, and mobile phone number entered on the page.
  • the identity image information submitted by the user may include ID photos uploaded by the user, such as an ID card image, a passport image, a driver's license image, and so on.
  • the biometric information submitted by the user includes the user's iris information, fingerprint information, and facial feature information obtained in real time based on the camera or sensing device of the smart terminal.
  • Step 102 Perform image recognition and matching on the identity image information according to the basic information to obtain an image recognition result
  • step 102 may further include: performing the image recognition on the identity image information by using OCR technology to obtain character information and photo information on the identity image information; The character information on the identity image information is matched to obtain the image recognition result.
  • OCR Optical Character Recognition, Optical Character Recognition
  • identity image information such as ID card image, passport image, driver's license image
  • the identity information identified by the OCR can then be matched with the basic information entered by the user to determine whether they are consistent.
  • character information such as ID number, name, age, and address on the ID card image can be obtained, and the ID photo on the ID card image can also be obtained.
  • the basic information submitted by the user can be matched with the above-mentioned character information obtained by OCR identification.
  • the identity photo number identified by OCR and the ID card number entered by the user can be matched to determine whether the user fills in correctly. Real basic information, and can timely feedback errors to users when the basic information submitted by users is incorrect.
  • Step 103 performing biometric matching on the biological information according to the image recognition result to obtain a biological recognition result
  • OCR identification can also obtain photo information in the identity image information, such as obtaining the ID photo on the ID card image, so biometric identification can be performed based on the image recognition result and the user's biometric information to determine the identity image information and the user. I am the same person.
  • step 103 may further include: performing living body detection and identification according to the iris information, the fingerprint information and the facial feature information; according to the iris information, the facial feature information and the Face matching is performed on the photo information obtained by OCR recognition.
  • liveness detection can be performed first according to the iris information, fingerprint information, and facial feature information acquired in real time, so as to avoid the situation of posing as a real person through photos for account opening verification. Further, after the ID photo on the ID card image can be obtained through OCR recognition, the features of the ID photo and the biometric information extracted by the user can be compared by face recognition technology, and specifically, iris feature comparison, facial feature comparison, etc. can be performed. , so as to avoid the risk of maliciously using other people's certificate information to open an account.
  • Step 104 Perform identity authentication according to the image recognition result, the biometric recognition result and the basic information of the user, and obtain an identity authentication result;
  • step 104 may further include: acquiring authentication information of the user from a third-party system, where the authentication message includes a photo authentication message and a text authentication message; The photo information and the character information obtained by OCR identification are matched with the authentication message.
  • the third-party system may be an organization with authentication qualifications and capabilities, and the third-party system pre-stores required authentication information, such as photo authentication information of face photos and fingerprint photos, such as real ID numbers, nationalities text authentication message. Based on this, the information extracted by the above-mentioned users, the information obtained through OCR authentication, and the information obtained through biometric identification are comprehensively and consistently compared, so that someone can avoid the risk of maliciously counterfeiting documents to open an account.
  • required authentication information such as photo authentication information of face photos and fingerprint photos, such as real ID numbers, nationalities text authentication message.
  • Step 105 Create an account according to the image recognition result, the biometric recognition result, and the identity authentication result, and determine the operation authority of the account.
  • creating an account in step 105 may further include: determining a reliability value of the user according to the image recognition result, the biometrics result and the identity authentication result; if the user If the reliability value satisfies the preset conditions, an account is created according to the basic information, identity image information and biological information submitted by the user;
  • the image recognition result of the user shows that the identity image information submitted by the user matches the basic information, it means that the reliability of the user is higher.
  • the biometric identification result of the user shows that the identity image information submitted by the user matches the biometric information (such as iris information, facial feature information, and fingerprint information) submitted by the user, it indicates that the user is more reliable.
  • the user's identity authentication result shows that some or all of the identity image information, biometric information and basic information submitted by the user can be matched with the backup information that has been authenticated by the third-party system, the higher the matching degree, the higher the degree of matching indicates that the user higher reliability.
  • the reliability value of the user can be determined according to the above three or more identification results.
  • the reliability value of the user satisfies the preset condition, an account can be created for the user, otherwise the user's request for opening an account is rejected.
  • the preset condition may be that the reliability value of the user does not reach the target value, or the reliability value of the user is not 0.
  • the above-mentioned determination of the reliability value of the user according to the image recognition result, the biometric recognition result and the identity authentication result includes: if any one of multiple types of recognition results is used If the identification result does not meet the corresponding preset condition, then the security factor corresponding to any identification result is subtracted from the initial value of the reliability of the user to obtain the reliability value of the user; wherein, the user
  • the initial value of the reliability value is the sum of the respective security factors of the various types of recognition results, and the various types of recognition results include at least the image recognition result, the biometric recognition result, and the Authentication result.
  • the security factor corresponding to the image recognition result is A
  • the security factor corresponding to the biometric recognition result is B
  • the security factor corresponding to the identity authentication result is C
  • the security factor of other recognition results is D.
  • determining the operation authority of the account in step 105 may further include: acquiring preset risk values of multiple types of restricted operations, and comparing the reliability value of the user with each type of The preset risk value of the restricted operation determines the first operation authority of the account, and the first operation authority is used to indicate the operation type range of the account; and/or, according to the reliability of the user The degree value determines the second operation authority of the account, and the second operation authority is used to indicate the operation limit range of the account.
  • the security factor corresponding to the image recognition result is A
  • the security factor corresponding to the biometric recognition result is B
  • the security factor corresponding to the identity authentication result is C
  • the security factor of other recognition results is D.
  • Multiple types of restricted operations can be set up in advance according to requirements, such as cash withdrawal transaction operations, transfer transaction operations, cross-border transaction operations, etc., and assign a risk value of 0-100 to the above operations. If the risk value of the operation is higher than the reliability value calculated above, the user is not allowed to activate the permission for the operation. For example, if an account is created with a reliability value of 75 points and a cross-border trading operation with a risk value of 80 points, the account will not be allowed to perform cross-level trading operations.
  • the operating quota range refers to the disposable quota range of the account.
  • the supported quota the highest quota * reliability value / 100. If the supported quota is 0, the account opening is not supported, otherwise, the account will be opened according to the income quota. .
  • the initial value N of the reliability value of the user is the first security factor A corresponding to the image recognition result, the second security factor B corresponding to the biometric recognition result, and the third security factor corresponding to the identity authentication result
  • N A+B+C+D
  • the values of A, B, and C be adjusted according to the reliability of OCR identification technology, biometric identification technology and identity authentication technology.
  • the value of B should be appropriately increased, and the values of other security factors should be adjusted accordingly, so that the value of the initial value N remains unchanged.
  • the proportion of the sum of the first safety factor A, the second safety factor B and the third safety factor C relative to the initial value of the reliability value is greater than 90%; and, The proportion of the first safety factor A relative to the sum of the three is 20% to 25%; the proportion of the second safety factor B relative to the sum of the three is 30% to 35%; the third safety factor C relative to the three The combined share is 40% to 45%.
  • D is not greater than 10. At present, it can only be used as an auxiliary judgment, so that the risk level is low, which can meet the risk requirements and effectively control the occurrence of fraud and fraud.
  • the method further includes: performing blacklist matching according to the user's basic information, and if there is a match, rejecting the user's account opening request .
  • users are allowed to flexibly submit an account opening request online, and with the help of terminal biometrics, third-party authentication, image recognition and other technologies, the user's reliability is fully verified, and different permissions are configured according to risk conditions. 's account.
  • the security of account management is effectively improved, the efficiency of user management by financial institutions is improved, and the actual expenditure cost is reduced.
  • FIG. 2 is a schematic structural diagram of a data processing apparatus according to an embodiment of the present invention.
  • the apparatus 200 includes:
  • an acquiring unit 201 configured to acquire a user's request for opening an account, where the request for opening an account includes basic information, identity image information and biological information submitted by the user;
  • a first identifying unit 202 configured to perform image recognition and matching on the identity image information according to the basic information, to obtain an image recognition result
  • the second identification unit 203 is configured to perform biometric identification matching on the biological information according to the image identification result to obtain a biometric identification result;
  • a third identification unit 304 configured to perform identity authentication according to the image recognition result, the biometric identification result and the basic information, to obtain an identity authentication result;
  • the creating unit 205 is configured to create an account according to the image recognition result, the biometric recognition result and the identity authentication result, and determine the operation authority of the account.
  • the first identification unit 202 is further configured to: perform the image identification on the identity image information by using the OCR technology to obtain character information and photo information on the identity image information; The character information on the identity image information is matched according to the basic information to obtain the image recognition result.
  • the biometric information of the user includes: iris information, fingerprint information and facial feature information
  • the second identification unit 203 is further configured to: according to the iris information, the fingerprint information and all The facial feature information is used for living body detection and recognition; and the iris information and the facial feature information are subjected to face matching according to the photo information on the identity image information.
  • the third identification unit 204 is further configured to: acquire authentication information of the user from a third-party system, where the authentication message includes a photo authentication message and a text authentication message; according to the authentication message The basic information, the biological information, the character information on the identity image information and the photo information are matched.
  • the creating unit 205 is further configured to: determine the reliability value of the user according to the image recognition result, the biometric recognition result and the identity authentication result; if the user If the reliability value satisfies the preset condition, an account is created according to the basic information, the identity image information and the biological information submitted by the user.
  • the creating unit 205 is further configured to: obtain preset risk values of multiple types of restricted operations, by comparing the reliability value of the user with the restricted operation of each type
  • the preset risk value of the operation determines the first operation authority of the account, and the first operation authority is used to indicate the operation type range of the account; and/or, the user is determined according to the reliability value of the user.
  • the second operation authority of the account where the second operation authority is used to indicate the operation limit range of the account.
  • the creating unit 205 is further configured to: if any one of the multiple types of identification results does not satisfy the corresponding preset condition, select from the initial reliability value of the user Subtract the security factor corresponding to any one of the recognition results to obtain the reliability value of the user; wherein, the initial value of the reliability value of the user is the security corresponding to each of the multiple types of recognition results
  • the sum of the factors, the multiple types of identification results include at least the image identification results, the biometric identification results, and the identity authentication results.
  • the initial value of the user's reliability value is the first security factor A corresponding to the image recognition result, the second security factor B corresponding to the biometric recognition result, and the third security factor C corresponding to the identity authentication result and the sum of the fourth safety factors D corresponding to other identification results; wherein, the safety factor corresponding to any one of the identification results is adjusted accordingly as the accuracy of any one of the identification results changes.
  • the proportion of the sum of the first safety factor A, the second safety factor B and the third safety factor C relative to the initial value of the reliability value is greater than 90%; and, The proportion of the first safety factor A relative to the sum of the three is 20% to 25%; the proportion of the second safety factor B relative to the sum of the three is 30% to 35%; the third safety factor C relative to the three The combined share is 40% to 45%.
  • the apparatus further includes a blacklist matching unit, configured to: perform blacklist matching according to the basic information of the user, and reject the account opening request if there is a match.
  • FIG. 3 is a data processing apparatus according to an embodiment of the present application, for executing the data processing method shown in FIG. 1 , the apparatus includes: at least one processor; and a memory communicatively connected to 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 execute the data processing methods shown in the foregoing embodiments.
  • a non-volatile computer storage medium of a data processing method is provided, and computer-executable instructions are stored thereon, and the computer-executable instructions are configured to execute the above-described embodiments when run by a processor.
  • the apparatuses, devices, and computer-readable storage media and methods provided in the embodiments of the present application are in one-to-one correspondence. Therefore, the apparatuses, devices, and computer-readable storage media also have beneficial technical effects similar to those of the corresponding methods.
  • the beneficial technical effects of the method have been described in detail, therefore, the beneficial technical effects of the apparatus, equipment and computer-readable storage medium will not be repeated here.
  • embodiments of the present invention may be provided as a method, system or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment, or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, etc.) having computer-usable program code embodied therein.
  • computer-usable storage media including, but not limited to, disk storage, CD-ROM, optical storage, etc.
  • These computer program instructions may also be stored in a computer-readable memory capable of directing a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory result in an article of manufacture comprising instruction means, the instructions
  • the apparatus implements the functions specified in the flow or flow of the flowcharts and/or the block or blocks of the block diagrams.

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Abstract

一种数据处理方法、装置、系统及计算机可读存储介质，该方法包括：获取用户的开通账户请求，所述开通账户请求包括所述用户提交的基本信息、身份图像信息和生物信息（步骤101）；根据所述基本信息对所述身份图像信息进行图像识别匹配，得到图像识别结果（步骤102）；根据所述图像识别结果对所述生物信息进行生物识别匹配，得到生物识别结果（步骤103）；根据所述图像识别结果、所述生物识别结果以及所述基本信息进行身份认证，得到身份认证结果（步骤104）；根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，并确定所述账户的操作权限（步骤105）。利用上述方法，能够在实现在线开通账户时保障数据处理的安全性。

Description

一种数据处理方法、装置及计算机可读存储介质
本申请要求于2020年09月15日提交的、申请号为202010966199.9、标题为“一种数据处理方法、装置及计算机可读存储介质”的中国专利申请的优先权，该中国专利申请的公开内容以引用的方式并入本文。
技术领域
本发明属于金融技术领域，具体涉及一种数据处理方法、装置及计算机可读存储介质。
背景技术
本部分旨在为权利要求书中陈述的本发明的实施方式提供背景或上下文。此处的描述不因为包括在本部分中就承认是现有技术。
随着互联网的日益发展，各种高科技手段在不同行业得以良好应用，尤其是智能手机的广泛推广，使用户普遍具备通过高新技术开展业务的基础及能力。传统的金融领域(包括商业银行、保险、证券等机构)通常需要通过线下网点发展用户，包括进行用户证件的识别、人脸的识别、协议的签署等等，在某些特殊场景，当用户因时间、位置、能力等方面原因不能进行现场操作时，需要依托互联网进行开通账户的业务。
然而，现有技术中的在线开通账户业务难以进行风险控制，账户安全性难以得到保障。
发明内容
针对上述现有技术中存在的问题，提出了一种数据处理方法、装置及计算机可读存储介质，利用这种方法、装置及计算机可读存储介质，能够解决上述问题。
本发明提供了以下方案。
第一方面，提供一种数据处理方法，包括：获取用户的开通账户请求，所述开通账户请求包括所述用户提交的基本信息、身份图像信息和生物信息；根据所述基本信息对所述身份图像信息进行图像识别匹配，得到图像识别结果；根据所述图像识别结果对所述生物信息进行生物识别匹配，得到生物识别结果；根据所述图像识别结果、所述生物识别结果以及所述 基本信息进行身份认证，得到身份认证结果；根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，并确定所述账户的操作权限。
在一种可能的实施方式中，根据所述基本信息对所述身份图像信息进行图像识别匹配，包括：利用OCR技术对所述身份图像信息进行所述图像识别，得到所述身份图像信息上的字符信息和照片信息；根据所述基本信息对所述身份图像信息上的所述字符信息进行匹配，得到所述图像识别结果。
在一种可能的实施方式中，所述用户的生物信息包括：虹膜信息、指纹信息以及面部特征信息，根据所述图像识别结果对所述生物信息进行生物识别匹配，包括：根据所述虹膜信息、所述指纹信息和所述面部特征信息进行活体检测识别；根据所述身份图像信息上的照片信息对所述虹膜信息、所述面部特征信息进行人脸匹配。
在一种可能的实施方式中，根据所述图像识别结果、所述生物识别结果以及所述基本信息进行身份认证，包括：从第三方系统获取所述用户的认证信息，所述认证消息包括照片认证消息和文字认证消息；根据所述认证消息对所述基本信息、所述生物信息、所述身份图像信息上的字符信息和照片信息进行匹配。
在一种可能的实施方式中，根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，包括：根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值；若所述用户的可靠度值满足预设条件，则根据所述用户提交的所述基本信息、所述身份图像信息和所述生物信息创建账户。
在一种可能的实施方式中，确定所述账户的操作权限，包括：获取多种类型的受限操作的预设风险值，通过比较所述用户的可靠度值和每种类型的所述受限操作的所述预设风险值确定所述账户的第一操作权限，所述第一操作权限用于指示所述账户的操作类型范围；和/或，根据所述用户的可靠度值确定所述账户的第二操作权限，所述第二操作权限用于指示所述账户的操作额度范围。
在一种可能的实施方式中，根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值，包括：若多种类型的识别结果的任意一种识别结果不满足对应的预设条件，则从所述用户的可靠度初始值中减去所述任意一种识别结果对应的安全因子，得到所述用户的可靠度值；其中，所述用户的可靠度值的初始值为所述多种类型的识别结果各自对应的所述安全因子之和，所述多种类型的识别结果至少包括所述图像识别结果、所述生物识别结果以及所述身份认证结果。
在一种可能的实施方式中，用户的可靠度值的初始值为图像识别结果对应的第一安全因子A、生物识别结果对应的第二安全因子B、身份认证结果对应的第三安全因子C以及其他 识别结果对应的第四安全因子D之和；其中，任意一种识别结果对应的安全因子随着任意一种识别结果的准确程度变化而相应调整。
在一种可能的实施方式中，其中，第一安全因子A、第二安全因子B和第三安全因子C的三者之和相对于可靠度值的初始值的占比大于90％；以及，第一安全因子A相对于三者之和的占比为20％至25％；第二安全因子B相对于三者之和的占比为30％至35％；第三安全因子C相对于三者之和的占比为40％至45％。
在一种可能的实施方式中，所述方法还包括：根据所述用户的所述基本信息进行黑名单匹配，若匹配则拒绝所述开通账户请求。
第二方面，提供一种数据处理装置，包括：获取单元，用于获取用户的开通账户请求，所述开通账户请求包括所述用户提交的基本信息、身份图像信息和生物信息；第一识别单元，用于根据所述基本信息对所述身份图像信息进行图像识别匹配，得到图像识别结果；第二识别单元，用于根据所述图像识别结果对所述生物信息进行生物识别匹配，得到生物识别结果；第三识别单元，用于根据所述图像识别结果、所述生物识别结果以及所述基本信息进行身份认证，得到身份认证结果；创建单元，用于根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，并确定所述账户的操作权限。
在一种可能的实施方式中，所述第一识别单元，还用于：利用OCR技术对所述身份图像信息进行所述图像识别，得到所述身份图像信息上的字符信息和照片信息；根据所述基本信息对所述身份图像信息上的所述字符信息进行匹配，得到所述图像识别结果。
在一种可能的实施方式中，所述用户的生物信息包括：虹膜信息、指纹信息以及面部特征信息，所述第二识别单元还用于：根据所述虹膜信息、所述指纹信息和所述面部特征信息进行活体检测识别；根据所述身份图像信息上的照片信息对所述虹膜信息、所述面部特征信息进行人脸匹配。
在一种可能的实施方式中，所述第三识别单元还用于：从第三方系统获取所述用户的认证信息，所述认证消息包括照片认证消息和文字认证消息；根据所述认证消息对所述基本信息、所述生物信息、所述身份图像信息上的字符信息和照片信息进行匹配。
在一种可能的实施方式中，所述创建单元还用于：根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值；若所述用户的可靠度值满足预设条件，则根据所述用户提交的所述基本信息、所述身份图像信息和所述生物信息创建账户。
在一种可能的实施方式中，所述创建单元还用于：获取多种类型的受限操作的预设风险值，通过比较所述用户的可靠度值和每种类型的所述受限操作的所述预设风险值确定所述账户的第一操作权限，所述第一操作权限用于指示所述账户的操作类型范围；和/或，根据所 述用户的可靠度值确定所述账户的第二操作权限，所述第二操作权限用于指示所述账户的操作额度范围。
在一种可能的实施方式中，所述创建单元还用于：若多种类型的识别结果的任意一种识别结果不满足对应的预设条件，则从所述用户的可靠度初始值中减去所述任意一种识别结果对应的安全因子，得到所述用户的可靠度值；其中，所述用户的可靠度值的初始值为所述多种类型的识别结果各自对应的所述安全因子之和，所述多种类型的识别结果至少包括所述图像识别结果、所述生物识别结果以及所述身份认证结果。
在一种可能的实施方式中，用户的可靠度值的初始值为图像识别结果对应的第一安全因子A、生物识别结果对应的第二安全因子B、身份认证结果对应的第三安全因子C以及其他识别结果对应的第四安全因子D之和；其中，任意一种识别结果对应的安全因子随着任意一种识别结果的准确程度变化而相应调整。
在一种可能的实施方式中，其中，第一安全因子A、第二安全因子B和第三安全因子C的三者之和相对于可靠度值的初始值的占比大于90％；以及，第一安全因子A相对于三者之和的占比为20％至25％；第二安全因子B相对于三者之和的占比为30％至35％；第三安全因子C相对于三者之和的占比为40％至45％。
在一种可能的实施方式中，所述装置还包括黑名单匹配单元，用于：根据所述用户的所述基本信息进行黑名单匹配，若匹配则拒绝所述开通账户请求。
第三方面，提供一种数据处理装置，包括：至少一个处理器；以及，与至少一个处理器通信连接的存储器；其中，存储器存储有可被至少一个处理器执行的指令，指令被至少一个处理器执行，以使至少一个处理器能够执行：如第一方面的方法。
第四方面，提供一种计算机可读存储介质，所述计算机可读存储介质存储有程序，当所述程序被多核处理器执行时，使得所述多核处理器执行如第一方面的方法。
本申请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：在线为用户开通账户的同时，为满足特征的风险控制需求，根据用户提交的基本信息、身份图像信息和生物信息进行图像识别、生物识别和身份认证以确定其可靠程度，并根据用户的可靠程度设置不同操作限度的账户，确保数据处理的安全性。
应当理解，上述说明仅是本发明技术方案的概述，以便能够更清楚地了解本发明的技术手段，从而可依照说明书的内容予以实施。为了让本发明的上述和其它目的、特征和优点能够更明显易懂，以下特举例说明本发明的具体实施方式。
附图说明
通过阅读下文的示例性实施例的详细描述，本领域普通技术人员将明白本文所述的优点和益处以及其他优点和益处。附图仅用于示出示例性实施例的目的，而并不认为是对本发明的限制。而且在整个附图中，用相同的标号表示相同的部件。在附图中：
图1为根据本发明一实施例的数据处理方法的流程示意图；
图2为根据本发明一实施例的数据处理装置的结构示意图；
图3为根据本发明又一实施例的数据处理装置的结构示意图。
在附图中，相同或对应的标号表示相同或对应的部分。
具体实施方式
下面将参照附图更详细地描述本公开的示例性实施例。虽然附图中显示了本公开的示例性实施例，然而应当理解，可以以各种形式实现本公开而不应被这里阐述的实施例所限制。相反，提供这些实施例是为了能够更透彻地理解本公开，并且能够将本公开的范围完整的传达给本领域的技术人员。
在本发明中，应理解，诸如“包括”或“具有”等术语旨在指示本说明书中所公开的特征、数字、步骤、行为、部件、部分或其组合的存在，并且不旨在排除一个或多个其他特征、数字、步骤、行为、部件、部分或其组合存在的可能性。
另外还需要说明的是，在不冲突的情况下，本发明中的实施例及实施例中的特征可以相互组合。下面将参考附图并结合实施例来详细说明本发明。
本领域技术人员可以理解，所描述的应用场景仅是本发明的实施方式可以在其中得以实现的一个示例。本发明实施方式的适用范围不受任何限制。在介绍了本发明的基本原理之后，下面具体介绍本发明的各种非限制性实施方式。
图1为根据本申请一实施例的数据处理方法100的流程示意图，用于实现远程安全开通账户，在该流程中，从设备角度而言，执行主体可以是一个或者多个电子设备；从程序角度而言，执行主体相应地可以是搭载于这些电子设备上的程序。
如图1所示，该方法100可以包括：
步骤101、获取用户的开通账户请求，所述开通账户请求包括所述用户提交的基本信息、身份图像信息和生物信息；
其中，所述用户提交的基本信息可以包括在页面录入的国籍、性别、姓名、证件类型、证件号码、手机号等基本信息。用户提交的身份图像信息可以包括用户上传的证件照片，比 如身份证图像、护照图像、驾照图像，等等。用户提交的生物信息包括基于智能终端的摄像头或感应器件而实时获取的用户的虹膜信息、指纹信息以及面部特征信息等。
步骤102、根据所述基本信息对所述身份图像信息进行图像识别匹配，得到图像识别结果；
在一种可能的实施方式中，步骤102可以进一步包括：利用OCR技术对所述身份图像信息进行所述图像识别，得到所述身份图像信息上的字符信息和照片信息；根据所述基本信息对所述身份图像信息上的所述字符信息进行匹配，得到所述图像识别结果。
其中，OCR(Optical Character Recognition，光学字符识别)技术能够将图片上的文字内容直接转换为可编辑文本，从而可以从用户提交的身份图像信息(比如身份证图像、护照图像、驾照图像)中识别出身份信息，进而可以将OCR识别出的身份信息和用户录入的基本信息进行匹配，判断是否一致。
一种示例中，例如，对用户的身份证照片进行OCR识别之后，可以得到身份证图像上的身份证号码、姓名、年龄、住址等字符信息，还可以获取身份证图像上的证件照。基于此，可以将用户提交的基本信息和OCR识别获得的上述字符信息对应进行匹配，例如将OCR识别出的身份照号码和用户录入的身份证号码进行一致性匹配，即可判断用户是否正确填写真实基本信息，同时可以在用户提交的基本信息有误时及时向用户反馈错误。
也可以采用其他的图像识别技术对身份图像信息进行图像识别，本实施例对此不作具体限制，
步骤103、根据所述图像识别结果对所述生物信息进行生物识别匹配，得到生物识别结果；
由上述实施例可知，OCR识别还可以获取身份图像信息中的照片信息，比如获取身份证图像上的证件照，因此可以基于图像识别结果和用户的生物信息进行生物识别，判断身份图像信息和用户本人是否为同一人。
在一种可能的实施方式中，步骤103可以进一步包括：根据所述虹膜信息、所述指纹信息和所述面部特征信息进行活体检测识别；根据所述虹膜信息、所述面部特征信息与所述OCR识别获得的所述照片信息进行人脸匹配。
一种示例中，首先可以根据实时获取的虹膜信息、指纹信息和面部特征信息进行活体检测，从而避免通过照片冒充真人进行开户验证的情况。进一步地，可以通过OCR识别获取身份证图像上的证件照之后，通过人脸识别技术对该证件照和用户提取的生物信息进行特征比对，具体可以进行虹膜特征比对、面部特征比对等，从而避免恶意冒用他人证件信息进行开户的风险。
步骤104、根据所述图像识别结果、所述生物识别结果以及所述用户的所述基本信息进行身份认证，得到身份认证结果；
在一种可能的实施方式中，步骤104可以进一步包括：从第三方系统获取所述用户的认证信息，所述认证消息包括照片认证消息和文字认证消息；将所述用户的生物信息、所述OCR识别获得的所述照片信息和所述字符信息与所述认证消息进行匹配。
一种示例中，第三方系统可以是具有认证资格和能力的机构，该第三方系统中预存有所需的认证信息，诸如人脸照片和指纹照片的照片认证信息，诸如真实身份证号码、国籍的文字认证消息。基于此将上述用户提取的各项信息、通过OCR认证获得的各项信息以及通过生物识别获得的各项信息进行全面一致性比对，从而有人避免恶意仿冒证件进行开户的风险。
步骤105、根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，并确定所述账户的操作权限。
在一种可能的实施方式中，步骤105中创建账户可以进一步包括：根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值；若所述用户的可靠度值满足预设条件，则根据所述用户提交的基本信息、身份图像信息和生物信息创建账户；
一种示例中，可以理解，若该用户的图像识别结果显示用户提交的身份图像信息和基本信息越匹配，说明该用户的可靠性越高。相应地，如果该用户的生物识别结果显示用户提交的身份图像信息和其所提交的生物信息(比如虹膜信息、面部特征信息和指纹信息)越匹配，这说明该用户的可靠性越高。此外，如果该用户的身份认证结果显示用户提交的身份图像信息、生物信息和基本信息中的部分或全部能够与第三方系统已经被认证的备份信息相匹配，那么匹配度越高则说明该用户的可靠性越高。由此，可以根据上述三项或更多的识别结果确定所述用户的可靠度值。
若所述用户的可靠度值满足预设条件，则可以为该用户创建账户，否则拒绝该用户的开通账户请求。该预设条件比如可以是该用户的可靠度值未达到目标值，或者该用户的可靠度值不为0。
在一种可能的实施方式中，上述根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值，包括：若多种类型的识别结果的任意一种识别结果不满足对应的预设条件，则从所述用户的可靠度初始值中减去所述任意一种识别结果对应的安全因子，得到所述用户的可靠度值；其中，所述用户的可靠度值的初始值为所述多种类型的识别结果各自对应的所述安全因子之和，所述多种类型的识别结果至少包括所述图像识别结果、所述生物识别结果以及所述身份认证结果。
一种示例中，假设图像识别结果对应的安全因子为A、生物识别结果对应的安全因子为B、身份认证结果对应的安全因子为C，其他识别结果的安全因子为D。该用户的可靠度值的初始值为N＝A+B+C+D，假设N＝100，如果任意一个识别的结果不符合预设条件，则从可靠度值的初始值减去对应的安全因子，如图像识别结果显示该OCR识别不成功、且其余识别结果均匹配成功，则用户的可靠度值为N-A。
在一种可能的实施方式中，步骤105中确定所述账户的操作权限可以进一步包括：获取多种类型的受限操作的预设风险值，通过比较所述用户的可靠度值和每种类型的所述受限操作的所述预设风险值确定所述账户的第一操作权限，所述第一操作权限用于指示所述账户的操作类型范围；和/或，根据所述用户的可靠度值确定所述账户的第二操作权限，所述第二操作权限用于指示所述账户的操作额度范围。
一个示例中，假设图像识别结果对应的安全因子为A、生物识别结果对应的安全因子为B、身份认证结果对应的安全因子为C，其他识别结果的安全因子为D。该用户的可靠度值的初始值为N＝A+B+C+D，假设N＝100。可以预先根据需求设置多个类型的受限操作，比如取现交易操作、转账交易操作、跨境交易操作等，并对上述操作进行0-100的风险赋值，在为用户创建账户之后，如某一个操作的风险值高于上述计算得到的可靠度值，则不允许用户开通该项操作的权限。例如，如果创建的账户的可靠度值为75分，跨境交易操作的风险值为80分，则不允许该账户执行跨级交易操作。
操作额度范围是指账户的可支配额度范围，在为用户创建账户时，可以所支持额度＝最高额度*可靠度值/100，如果所支持额度为0，则不支持开户，否则按所得额度开户。
在一种可能的实施方式中，用户的可靠度值的初始值N为图像识别结果对应的第一安全因子A、生物识别结果对应的第二安全因子B、身份认证结果对应的第三安全因子C以及其他识别结果对应的第四安全因子D之和；其中，任意一种识别结果对应的安全因子随着任意一种识别结果的准确程度变化而相应调整。
例如，其中，N＝A+B+C+D，令A、B、C的值各自随着OCR识别技术、生物识别技术及身份认证技术的可靠程度变化进行调整，比如，当生物识别技术对不同国家、人种的识别能力加强时，则应适当增加B的值，并相应调整其他安全因子的值，使初始值N的值不变。
在一种可能的实施方式中，其中，第一安全因子A、第二安全因子B和第三安全因子C的三者之和相对于可靠度值的初始值的占比大于90％；以及，第一安全因子A相对于三者之和的占比为20％至25％；第二安全因子B相对于三者之和的占比为30％至35％；第三安全因子C相对于三者之和的占比为40％至45％。
例如，假设令N＝100，通过对风险交易的监控结果进行大数据分析，可以将A设置为(100-D)*24.5％、将B设置为(100-D)*32.1％、将C设置为(100-D)*43.4％，通常情况下D的值不大于10，目前仅能作为辅助性判断，这样风险水平较低，能够满足风险要求，有效控制欺诈、盗刷等情况的发生。
在一种可能的实施方式中，在获取用户的开通账户请求之后，所述方法还包括：根据所述用户的所述基本信息进行黑名单匹配，若匹配，则拒绝所述用户的开通账户请求。
根据本实施例的各个方面，允许用户灵活地通过线上方式提交开通账户请求，借助终端的生物识别、第三方认证、图片识别等技术，对用户可靠度进行全面验证，根据风险情况配置权限不同的账户。这样有效提升账户管理安全性，有利地提升金融机构对用户管理的效率、降低实际支出成本。
在一种可能的实施方式中，基于相同的技术构思，本发明实施例还提供一种数据处理装置，用于执行上述任一实施例所提供的数据处理方法。图2为本发明实施例提供的一种数据处理装置的结构示意图。
如图2所示，装置200包括：
获取单元201，用于获取用户的开通账户请求，所述开通账户请求包括所述用户提交的基本信息、身份图像信息和生物信息；
第一识别单元202，用于根据所述基本信息对所述身份图像信息进行图像识别匹配，得到图像识别结果；
第二识别单元203，用于根据所述图像识别结果对所述生物信息进行生物识别匹配，得到生物识别结果；
第三识别单元304，用于根据所述图像识别结果、所述生物识别结果以及所述基本信息进行身份认证，得到身份认证结果；
创建单元205，用于根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，并确定所述账户的操作权限。
在一种可能的实施方式中，所述第一识别单元202，还用于：利用OCR技术对所述身份图像信息进行所述图像识别，得到所述身份图像信息上的字符信息和照片信息；根据所述基本信息对所述身份图像信息上的所述字符信息进行匹配，得到所述图像识别结果。
在一种可能的实施方式中，所述用户的生物信息包括：虹膜信息、指纹信息以及面部特征信息，所述第二识别单元203还用于：根据所述虹膜信息、所述指纹信息和所述面部特征信息进行活体检测识别；根据所述身份图像信息上的照片信息对所述虹膜信息、所述面部特征信息进行人脸匹配。
在一种可能的实施方式中，所述第三识别单元204还用于：从第三方系统获取所述用户的认证信息，所述认证消息包括照片认证消息和文字认证消息；根据所述认证消息对所述基本信息、所述生物信息、所述身份图像信息上的字符信息和照片信息进行匹配。
在一种可能的实施方式中，所述创建单元205还用于：根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值；若所述用户的可靠度值满足预设条件，则根据所述用户提交的所述基本信息、所述身份图像信息和所述生物信息创建账户。
在一种可能的实施方式中，所述创建单元205还用于：获取多种类型的受限操作的预设风险值，通过比较所述用户的可靠度值和每种类型的所述受限操作的所述预设风险值确定所述账户的第一操作权限，所述第一操作权限用于指示所述账户的操作类型范围；和/或，根据所述用户的可靠度值确定所述账户的第二操作权限，所述第二操作权限用于指示所述账户的操作额度范围。
在一种可能的实施方式中，所述创建单元205还用于：若多种类型的识别结果的任意一种识别结果不满足对应的预设条件，则从所述用户的可靠度初始值中减去所述任意一种识别结果对应的安全因子，得到所述用户的可靠度值；其中，所述用户的可靠度值的初始值为所述多种类型的识别结果各自对应的所述安全因子之和，所述多种类型的识别结果至少包括所述图像识别结果、所述生物识别结果以及所述身份认证结果。
在一种可能的实施方式中，用户的可靠度值的初始值为图像识别结果对应的第一安全因子A、生物识别结果对应的第二安全因子B、身份认证结果对应的第三安全因子C以及其他识别结果对应的第四安全因子D之和；其中，任意一种识别结果对应的安全因子随着任意一种识别结果的准确程度变化而相应调整。
在一种可能的实施方式中，其中，第一安全因子A、第二安全因子B和第三安全因子C的三者之和相对于可靠度值的初始值的占比大于90％；以及，第一安全因子A相对于三者之和的占比为20％至25％；第二安全因子B相对于三者之和的占比为30％至35％；第三安全因子C相对于三者之和的占比为40％至45％。
在一种可能的实施方式中，所述装置还包括黑名单匹配单元，用于：根据所述用户的所述基本信息进行黑名单匹配，若匹配则拒绝所述开通账户请求。
图3为根据本申请一实施例的数据处理装置，用于执行图1所示出的数据处理方法，该装置包括：至少一个处理器；以及，与至少一个处理器通信连接的存储器；其中，存储器存储有可被至少一个处理器执行的指令，指令被至少一个处理器执行，以使至少一个处理器能够执行上述各实施例所示出的数据处理方法。
根据本申请的一些实施例，提供了数据处理方法的非易失性计算机存储介质，其上存储有计算机可执行指令，该计算机可执行指令设置为在由处理器运行时执行上述各实施例所示出的数据处理方法
本申请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，对于装置、设备和计算机可读存储介质实施例而言，由于其基本相似于方法实施例，所以其描述进行了简化，相关之处可参见方法实施例的部分说明即可。
本申请实施例提供的装置、设备和计算机可读存储介质与方法是一一对应的，因此，装置、设备和计算机可读存储介质也具有与其对应的方法类似的有益技术效果，由于上面已经对方法的有益技术效果进行了详细说明，因此，这里不再赘述装置、设备和计算机可读存储介质的有益技术效果。
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。

Claims (22)

  1. 一种数据处理方法，其特征在于，包括：
    获取用户的开通账户请求，所述开通账户请求包括所述用户提交的基本信息、身份图像信息和生物信息；
    根据所述基本信息对所述身份图像信息进行图像识别匹配，得到图像识别结果；
    根据所述图像识别结果对所述生物信息进行生物识别匹配，得到生物识别结果；
    根据所述图像识别结果、所述生物识别结果以及所述基本信息进行身份认证，得到身份认证结果；
    根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，并确定所述账户的操作权限。
  2. 根据权利要求1所述的方法，其特征在于，根据所述基本信息对所述身份图像信息进行图像识别匹配，包括：
    利用OCR技术对所述身份图像信息进行所述图像识别，得到所述身份图像信息上的字符信息和照片信息；
    根据所述基本信息对所述身份图像信息上的所述字符信息进行匹配，得到所述图像识别结果。
  3. 根据权利要求2所述的方法，其特征在于，所述用户的生物信息包括：虹膜信息、指纹信息以及面部特征信息，根据所述图像识别结果对所述生物信息进行生物识别匹配，包括：
    根据所述虹膜信息、所述指纹信息和所述面部特征信息进行活体检测识别；
    根据所述身份图像信息上的照片信息对所述虹膜信息、所述面部特征信息进行人脸匹配。
  4. 根据权利要求1-3中任一项所述的方法，其特征在于，根据所述图像识别结果、所述生物识别结果以及所述基本信息进行身份认证，包括：
    从第三方系统获取所述用户的认证信息，所述认证消息包括照片认证消息和文字认证消息；
    根据所述认证消息对所述基本信息、所述生物信息、所述身份图像信息上的字符信息和照片信息进行匹配。
  5. 根据权利要求1-4中任一项所述的方法，其特征在于，根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，包括：
    根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值；
    若所述用户的可靠度值满足预设条件，则根据所述用户提交的所述基本信息、所述身份图像信息和所述生物信息创建账户。
  6. 根据权利要求5所述的方法，其特征在于，确定所述账户的操作权限，包括：
    获取多种类型的受限操作的预设风险值，通过比较所述用户的可靠度值和每种类型的所述受限操作的所述预设风险值确定所述账户的第一操作权限，所述第一操作权限用于指示所述账户的操作类型范围；和/或
    根据所述用户的可靠度值确定所述账户的第二操作权限，所述第二操作权限用于指示所述账户的操作额度范围。
  7. 根据权利要求5或6所述的方法，其特征在于，根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值，包括：
    若多种类型的识别结果的任意一种识别结果不满足对应的预设条件，则从所述用户的可靠度初始值中减去所述任意一种识别结果对应的安全因子，得到所述用户的可靠度值；
    其中，所述用户的可靠度值的初始值为所述多种类型的识别结果各自对应的所述安全因子之和，所述多种类型的识别结果至少包括所述图像识别结果、所述生物识别结果以及所述身份认证结果。
  8. 根据权利要求7所述的方法，其特征在于，所述用户的可靠度值的初始值为所述图像识别结果对应的第一安全因子A、所述生物识别结果对应的第二安全因子B、所述身份认证结果对应的第三安全因子C以及其他识别结果对应的第四安全因子D之和；
    其中，所述任意一种识别结果对应的安全因子随着所述任意一种识别结果的准确程度变化而相应调整。
  9. 根据权利要求8所述的方法，其中，所述第一安全因子A、所述第二安全因子B和所述第三安全因子C的三者之和相对于所述可靠度值的初始值的占比大于90％；
    以及，所述第一安全因子A相对于所述三者之和的占比为20％至25％；所述第二安全因子B相对于所述三者之和的占比为30％至35％；所述第三安全因子C相对于所述三者之和的占比为40％至45％。
  10. 根据权利要求1-9中任一项所述的方法，其特征在于，所述方法还包括：
    根据所述用户的所述基本信息进行黑名单匹配，若匹配则拒绝所述开通账户请求。
  11. 一种数据处理装置，其特征在于，包括：
    获取单元，用于获取用户的开通账户请求，所述开通账户请求包括所述用户提交的基本信息、身份图像信息和生物信息；
    第一识别单元，用于根据所述基本信息对所述身份图像信息进行图像识别匹配，得到图像识别结果；
    第二识别单元，用于根据所述图像识别结果对所述生物信息进行生物识别匹配，得到生物识别结果；
    第三识别单元，用于根据所述图像识别结果、所述生物识别结果以及所述基本信息进行身份认证，得到身份认证结果；
    创建单元，用于根据所述图像识别结果、所述生物识别结果以及所述身份认证结果创建账户，并确定所述账户的操作权限。
  12. 根据权利要求11所述的装置，其特征在于，所述第一识别单元，还用于：
    利用OCR技术对所述身份图像信息进行所述图像识别，得到所述身份图像信息上的字符信息和照片信息；
    根据所述基本信息对所述身份图像信息上的所述字符信息进行匹配，得到所述图像识别结果。
  13. 根据权利要求12所述的装置，其特征在于，所述用户的生物信息包括：虹膜信息、指纹信息以及面部特征信息，所述第二识别单元还用于：
    根据所述虹膜信息、所述指纹信息和所述面部特征信息进行活体检测识别；
    根据所述身份图像信息上的照片信息对所述虹膜信息、所述面部特征信息进行人脸匹配。
  14. 根据权利要求11-13中任一项所述的装置，其特征在于，所述第三识别单元还用于：
    从第三方系统获取所述用户的认证信息，所述认证消息包括照片认证消息和文字认证消息；
    根据所述认证消息对所述基本信息、所述生物信息、所述身份图像信息上的字符信息和照片信息进行匹配。
  15. 根据权利要求11-14中任一项所述的装置，其特征在于，所述创建单元还用于：
    根据所述图像识别结果、所述生物识别结果以及所述身份认证结果，确定所述用户的可靠度值；
    若所述用户的可靠度值满足预设条件，则根据所述用户提交的所述基本信息、所述身份图像信息和所述生物信息创建账户。
  16. 根据权利要求15所述的装置，其特征在于，所述创建单元还用于：
    获取多种类型的受限操作的预设风险值，通过比较所述用户的可靠度值和每种类型的所述受限操作的所述预设风险值确定所述账户的第一操作权限，所述第一操作权限用于指示所述账户的操作类型范围；和/或
    根据所述用户的可靠度值确定所述账户的第二操作权限，所述第二操作权限用于指示所述账户的操作额度范围。
  17. 根据权利要求15或16所述的装置，其特征在于，所述创建单元还用于：
    若多种类型的识别结果的任意一种识别结果不满足对应的预设条件，则从所述用户的可靠度初始值中减去所述任意一种识别结果对应的安全因子，得到所述用户的可靠度值；
    其中，所述用户的可靠度值的初始值为所述多种类型的识别结果各自对应的所述安全因子之和，所述多种类型的识别结果至少包括所述图像识别结果、所述生物识别结果以及所述身份认证结果。
  18. 根据权利要求17所述的装置，其特征在于，所述用户的可靠度值的初始值为所述图像识别结果对应的第一安全因子A、所述生物识别结果对应的第二安全因子B、所述身份认证结果对应的第三安全因子C以及其他识别结果对应的第四安全因子D之和；
    其中，所述任意一种识别结果对应的安全因子随着所述任意一种识别结果的准确程度变化而相应调整。
  19. 根据权利要求18所述的装置，其中，所述第一安全因子A、所述第二安全因子B和所述第三安全因子C的三者之和相对于所述可靠度值的初始值的占比大于90％；
    以及，所述第一安全因子A相对于所述三者之和的占比为20％至25％；所述第二安全因子B相对于所述三者之和的占比为30％至35％；所述第三安全因子C相对于所述三者之和的占比为40％至45％。
  20. 根据权利要求11-19中任一项所述的装置，其特征在于，所述装置还包括黑名单匹配单元，用于：
    根据所述用户的所述基本信息进行黑名单匹配，若匹配则拒绝所述开通账户请求。
  21. 一种数据处理装置，其特征在于，包括：
    至少一个处理器；以及，与至少一个处理器通信连接的存储器；其中，存储器存储有可被至少一个处理器执行的指令，指令被至少一个处理器执行，以使至少一个处理器能够执行：如权利要求1-10中任一项所述的方法。
  22. 一种计算机可读存储介质，所述计算机可读存储介质存储有程序，当所述程序被多核处理器执行时，使得所述多核处理器执行如权利要求1-10中任一项所述的方法。
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