CN107067320A - Sign method and system in loan face - Google Patents
Sign method and system in loan face Download PDFInfo
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- CN107067320A CN107067320A CN201710149824.9A CN201710149824A CN107067320A CN 107067320 A CN107067320 A CN 107067320A CN 201710149824 A CN201710149824 A CN 201710149824A CN 107067320 A CN107067320 A CN 107067320A
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- G—PHYSICS
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- 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
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Abstract
Method and system is signed the invention discloses a kind of loan face, the method comprising the steps of:When first terminal, which detects face label, asks, the face label information needed for during the label of acquisition face, and face label information is sent to the second terminal bound by preset interface with first terminal;When second terminal receives face label information, the identity information and face for obtaining user corresponding with face label information contract information required during signing;Attend a banquet examination & verification identity information and the contract information of prompting second terminal, to obtain auditing result;Auditing result and the loan application table prestored are sent to first terminal;First terminal is according to the loan application table and auditing result finished surface label flow received.The corresponding system of involved terminal that the present invention realizes during face is signed is connected, and is only needed user to carry the required data of face label into a designated terminal, it is possible to finished surface label, is improved face label efficiency.
Description
Technical field
The present invention relates to financial technology field, more particularly to a kind of loan face label method and system.
Background technology
When being borrowed or lent money to financial institution, creditor needs and financial institution carries out face label.Face label refer to creditor (together with altogether
With refund people or guarantor) carry legal perfect instrument original paper, private seal and credit society and cost use;Credit society is paid to lending bank
The formality for costing and being interviewed and being signed.Face label are to the necessary formality of bank's application loan.
, it is necessary to which user carries face label data handles corresponding industry to the shops of each associated mechanisms during being signed in existing face
Business.Such as, user is during housing loan is handled, it may be necessary to go to lending bank, realtor location and house prosperity transaction institute etc.
Handle corresponding service in ground.Face is caused to sign overlong time, inefficiency.
The content of the invention
It is a primary object of the present invention to provide a kind of loan face label method and system, it is intended to solve existing face label efficiency
Low technical problem.
To achieve the above object, the present invention provides a kind of loan face label method, and the loan face label method includes step:
When first terminal detects face label request, the face label information needed for during face is signed is obtained, and the face is signed
Information is sent to the second terminal bound by preset interface and the first terminal;
When the second terminal receives the face label information, the identity for obtaining user corresponding with face label information is believed
Contract information needed for during breath and face label;
Attend a banquet the examination & verification identity information and the contract information of the second terminal are pointed out, to obtain auditing result;
The auditing result and the loan application table prestored are sent to the first terminal;
First terminal is according to the loan application table and the auditing result finished surface label flow received.
Preferably, it is described when the second terminal receives the face label information, obtain corresponding with face label information
Include during the identity information of user and face label the step of required contract information:
When the second terminal receives the face label information, obtained by the video communication between the first terminal
Take the identity information of user corresponding with face label information;
Information is signed into the face and the identity information is sent to public security system, so that the public security system verifies the face
Sign information and the identity information, and back-checking result;
When determining that information is signed in the face and the identity information is verified after passing through according to the check results, send prompting and disappear
Cease to the first terminal;
First terminal contract information required during sending face label according to the prompting message is whole to described second
End;
The second terminal receives the contract information.
Preferably, the loan face label method also includes:
When the regulation that the first terminal and/or the second terminal receive regulation video image quality and/or resolution ratio refers to
When making, the video image quality and/or resolution ratio are adjusted according to regulating command correspondence.
Preferably, it is described to wrap the step of the auditing result and the loan application table that prestores are sent into the first terminal
Include:
The second terminal sends the loan application table prestored to the first terminal;
When the first terminal receives the loan application table, obtain creditor and signed in the loan application table
When signature picture, and by it is described signature picture be sent to the second terminal;
The second terminal is received and stores the signature picture, and the auditing result is sent into first terminal.
Preferably, it is described when first terminal detects face label request, the face label information needed for during face is signed is obtained, and
The step of face label information is sent into second terminal includes:
When the first terminal detects the face label request, by binding the first terminal and the second terminal
Preset interface obtain the number of attending a banquet that idle condition is in the second terminal;
Based on the number of attending a banquet, obtain corresponding with face label request in the second terminal by the preset interface
Loan order number;
Face label information needed for during the label of acquisition face, signs information by the face and is sent to the loan order number binding
The second terminal.
In addition, to achieve the above object, the present invention also provides a kind of loan face label system, the loan face label system includes
First terminal and second terminal;
The first terminal is used to, when detecting face label request, obtain the face label information needed for during face is signed, and will
The face label information is sent to the second terminal bound by preset interface and the first terminal;
The second terminal is used for when receiving the face label information, obtains the body of user corresponding with face label information
Contract information needed for during part information and face label;Point out attend a banquet the examination & verification identity information and the conjunction of the second terminal
Same information, to obtain auditing result;The auditing result and the loan application table prestored are sent to the first terminal;
The first terminal is additionally operable to according to the loan application table and the auditing result finished surface label stream received
Journey.
Preferably, the second terminal is additionally operable to when receiving face label information, by with the first terminal it
Between video communication obtain identity information with the corresponding user of face label information;Information and the identity information are signed into the face
Public security system is sent to, so that the public security system verifies the face label information and the identity information, and back-checking result;
When determining that information is signed in the face and the identity information is verified after passing through according to the check results, prompting message is sent to described
First terminal;
The first terminal is additionally operable to contract information required during sending face label according to the prompting message to described
Second terminal;
The second terminal is additionally operable to receive the contract information.
Preferably, the first terminal is additionally operable to when receiving the regulating command of regulation video image quality and/or resolution ratio,
The video image quality and/or resolution ratio are adjusted according to regulating command correspondence;
The second terminal is additionally operable to when receiving the regulating command of regulation video image quality and/or resolution ratio, according to institute
State the regulating command correspondence regulation video image quality and/or resolution ratio.
Preferably, the second terminal is additionally operable to send the loan application table prestored to the first terminal;
The first terminal is additionally operable to when receiving the loan application table, obtains creditor in the loan application table
Signature picture during middle signature, and the signature picture is sent to the second terminal;
The first terminal is additionally operable to receive and stores the signature picture, and the auditing result is sent into first eventually
End.
Preferably, the first terminal is additionally operable to when detecting the face label request, by binding the first terminal
The number of attending a banquet that idle condition is in the second terminal is obtained with the preset interface of the second terminal;Attended a banquet based on described
Number, loan order number corresponding with face label request in the second terminal is obtained by the preset interface;Sign in acquisition face
During needed for face label information, by the face sign information with it is described loan order number binding be sent to the second terminal.
The present invention by when first terminal detect face label request when, obtain face label during needed for face label information, and
Face label information is sent to the second terminal bound by preset interface and the first terminal;When the second terminal connects
When receiving the face label information, the identity information and face for obtaining user corresponding with the face label information conjunction required during signing
Same information;Attend a banquet the examination & verification identity information and the contract information of the second terminal are pointed out, to obtain auditing result;Will be described
Auditing result and the loan application table prestored are sent to the first terminal;First terminal is according to the loan application received
Table and the auditing result finished surface label flow.The corresponding system of involved terminal during face is signed is realized to connect
Come, only need user to carry the required data of face label into a designated terminal, it is possible to finished surface label, improve face label efficiency.
Brief description of the drawings
Fig. 1 is the schematic flow sheet that method first embodiment is signed in loan face of the present invention;
Fig. 2 is, when the second terminal receives the face label information, acquisition is signed with the face in the embodiment of the present invention
A kind of schematic flow sheet of contract information needed for during the identity information and face label of information correspondence user;
Fig. 3 is the high-level schematic functional block diagram that system preferred embodiment is signed in loan face of the present invention.
The realization, functional characteristics and advantage of the object of the invention will be described further referring to the drawings in conjunction with the embodiments.
Embodiment
It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, it is not intended to limit the present invention.
The present invention provides a kind of loan face label method.
Reference picture 1, Fig. 1 is the schematic flow sheet that method first embodiment is signed in loan face of the present invention.
In the present embodiment there is provided the embodiment of loan face label method, it is necessary to which what is illustrated is, although show in flow charts
Go out logical order, but in some cases, can be with the step shown or described by being performed different from order herein.
The loan face label method of the application is applied to first terminal and second terminal, it is necessary to explanation, first terminal institute
System for house prosperity transaction institute where system, in embodiments of the present invention, house prosperity transaction institute where system be referred to as room hand over direct bearing
System, second terminal is system where the financial institution offered a loan, it can be understood as system where the label platform of face.It may be appreciated
It is that room hands over institute's system and face to sign platform in addition to it can be performed by terminal, can also be performed by server, can also be by
Terminal and server are performed jointly.Mentioned terminal includes but is not limited to PC, mobile phone, Yi Jiping in embodiments of the present invention
Plate computer etc..
The loan face label method includes:
Step S10, when first terminal detects face label request, obtains the face label information needed for during face is signed, and will
The face label information is sent to the second terminal bound by preset interface and the first terminal.
When first terminal detects face label request, the face label information needed for during face is signed is obtained, and will be acquired
Face label information is sent to the second terminal bound by preset interface and first terminal.Face label information includes but is not limited to main loan
Name, age and ID card No. of people, common creditor, main creditor spouse and common creditor spouse etc. etc..Sign in face
Request can be triggered by the corresponding staff of first terminal.
It should be noted that in order to ensure that the workflow of face label platform hands over the workflow of institute's system consistent with room, i.e.,
In order to ensure that the workflow of first terminal is consistent with the workflow of second terminal, by preset interface bind first terminal and
Second terminal.Redirecting for flow nodes has close relation with preset interface between first terminal and second terminal.Work as flow nodes
When the node arranged between first terminal and second terminal is consistent, it is same to show the flow between first terminal and second terminal
Step;When the node arranged between flow nodes and first terminal and second terminal is inconsistent, show first terminal and second eventually
Flow between end is not synchronous.In the present embodiment, preset interface is B2BI ((Business to Business
Integration) interface.It is understood that preset interface is virtual interface, the corresponding parameter of preset interface is set to often
Amount, so as to when changing preset interface parameter name, can directly change the constants that constant class is defined, reduces workload.
Further, before the corresponding staff's triggering face label request of first terminal, the corresponding work of first terminal
Personnel should first check whether creditor institute band data is complete.If creditor institute band data is not complete, should be defeated in first terminal
Enter corresponding information, so that the face label information that first terminal is subsequently obtained is complete face label information.
Further, the step S10 includes:
Step a, when the first terminal detects face label request, by binding the first terminal and described the
The preset interface of two terminals obtains the number of attending a banquet that idle condition is in the second terminal;
Step b, based on the number of attending a banquet, is obtained to sign with the face in the second terminal by the preset interface and asked
Corresponding loan order number;
Step c, obtains the face label information needed for during face is signed, and the face is signed into information and the order number binding of providing a loan
It is sent to the second terminal.
When first terminal detects face label request, start long-distance video face label function.It is understood that face label request
The label button triggering of long-distance video face can be clicked on by the corresponding user of first terminal.After function on is signed in long-distance video face, pass through
The preset interface for binding first terminal and second terminal obtains the number of attending a banquet that idle condition is in second terminal.Wherein, first
The number of attending a banquet in idle condition acquired in terminal is one or more.
First terminal obtains corresponding with face label request in second terminal based on the acquired number of attending a banquet by preset interface
Loan order number.It is understood that the corresponding creditor of face label request, and order number of providing a loan also correspond to creditor, therefore,
Need to obtain loan order number corresponding with face label request.
It should be noted that after the number of attending a banquet is got, the corresponding staff of first terminal by video communication with
Corresponding attend a banquet of the number of attending a banquet is communicated, to trigger the information exchange between first terminal and second terminal.Need explanation
It is that, when the number of attending a banquet acquired in first terminal is multiple, the corresponding staff of first terminal can be with appointing in multiple numbers of attending a banquet
Corresponding attend a banquet of the No. of attending a banquet one is communicated.
After first terminal gets loan order number, will provide a loan order number and acquired face label information binding, send
To second terminal.
Step S20, when the second terminal receives the face label information, obtains user corresponding with face label information
Identity information and face label during needed for contract information.
When information is signed in the face that second terminal is successfully received first terminal transmission, obtain user's corresponding with face label information
Contract information needed for during identity information and face label.Wherein, borrowed based on the identity information of user corresponding with face label information
Money people, main creditor spouse, the proof of identification material of common creditor and its spouse and personal guarantee people.During the label of face
Required contract information includes but is not limited to income testimonial material, guaranty material, house-purchase material, interview face label material, bank
Accounts information, Accumulation Fund Loan material etc..The display of the corresponding material of identity information and contract information acquired in second terminal
Form includes but is not limited to PDF (Portable Document Format, portable document format) and bmp (Bitmap, image
File format).
Step S30, points out attend a banquet the examination & verification identity information and the contract information of the second terminal, to obtain examination & verification knot
Really.
Step S40, the first terminal is sent to by the auditing result and the loan application table prestored.
When getting identity information and contract information, second terminal output prompt message points out examination & verification identity letter of attending a banquet
Breath and contract information, to obtain auditing result.It should be noted that examination & verification identity information and attending a banquet for contract information can be first
The number of attending a banquet acquired in terminal is corresponding to attend a banquet, or other are attended a banquet.Prompt message include but is not limited to information of voice prompt,
Text prompt information and indicator lamp prompt message.
After auditing result is obtained, second terminal obtains the loan application table prestored, by auditing result and loan application table
It is sent to first terminal.It should be noted that it can be to have filled in phase that second terminal, which is sent in the loan application table of first terminal,
The loan application table of information is closed, the name of loan application people, ID card No., telephone number information, the first end such as has been filled in
Creditor is pointed out in the corresponding of loan application table by the corresponding staff of first terminal after the loan application table is received in end
Region signature;Second terminal is sent in the loan application table of first terminal or not filled in the loan Shen of relevant information
Please table, first terminal fills in correlation after loan application table is received by the corresponding staff of first terminal, or creditor
Information, and signed by creditor in the respective regions of loan application table.
It should be noted that in the present embodiment, no matter the auditing result of attend a banquet examination & verification identity information and contract information is such as
What, second terminal can all send loan application table to first terminal.
Further, step S40 includes:
Step d, the second terminal sends the loan application table prestored to the first terminal;
Step e, when the first terminal receives the loan application table, obtains creditor in the loan application table
Signature picture during middle signature, and the signature picture is sent to the second terminal;
Step f, the second terminal receives and stored the signature picture, and the auditing result is sent into first eventually
End.
Further, second terminal obtains the loan application table prestored, and acquired loan application table is sent
To first terminal.When first terminal receives the loan application table of second terminal transmission, the loan application table is printed out, and
Exporting prompt message points out corresponding staff supervision creditor to be signed in the designated area of loan application table.When creditor exists
When being signed in loan application table, first terminal obtains signature picture when creditor signs in loan application table.First terminal
Can be by built-in camera, or connected camera obtains signature picture, also can by corresponding staff or
Person creditor uploads signature picture into first terminal.
Signature picture is sent to second terminal by first terminal.When second terminal receives signature picture, the label are stored
Name picture, and the auditing result of gained is sent to first terminal.
Step S50, first terminal is according to the loan application table and the auditing result finished surface label flow received.
When first terminal receives auditing result, according to auditing result and loan application table finished surface label flow.
Further, face sign during, first terminal and second terminal interaction information be all by encryption,
I.e. face label information, identity information, contract information and loan application table etc. are all by encryption.AES can be DES
(Data Encryption Standard, symmetry algorithm), 3DES (Triple DES, the symmetry algorithm based on DES), IDEA
(International Data Encryption Algorithm, IDEA) and rivest, shamir, adelman
RSA etc..In embodiments of the present invention, the letter of rivest, shamir, adelman encryption first terminal and second terminal interaction is preferably selected
Breath.It can such as use public key to needing the information for being sent to second terminal to encrypt by first terminal, second terminal is used and public key pair
The information that the private key decryption first terminal answered is sent.
Further, in other embodiments, it may be configured as when identity information and contract information all real informations, that is, examine
When core result passes through for examination & verification, the loan application table prestored is just sent to first terminal by second terminal.When identity information and/or
When there is deceptive information in contract information, i.e., auditing result for examination & verification not by when, second terminal is not by the loan application table prestored
It is sent to first terminal.
The present embodiment by when first terminal detect face label request when, obtain face label during needed for face label information,
And face label information is sent to the second terminal bound by preset interface and the first terminal;When the second terminal
When receiving the face label information, needed for during the identity information and face label of acquisition user corresponding with face label information
Contract information;Attend a banquet the examination & verification identity information and the contract information of the second terminal are pointed out, to obtain auditing result;By institute
The loan application table stated auditing result and prestored is sent to the first terminal;First terminal is according to the loan Shen received
Please table and the auditing result finished surface label flow.The corresponding system of involved terminal during face is signed is realized to connect
Come, only need user to carry the required data of face label into a designated terminal, it is possible to finished surface label, improve face label efficiency.
Further, label method second embodiment in loan face of the present invention is proposed.
Method second embodiment is signed in the loan face and the difference of loan face label method first embodiment is, reference
Fig. 2, the step S20 includes:
Step S21, when the second terminal receives the face label information, passes through regarding between the first terminal
Frequency communication obtains the identity information of user corresponding with face label information.
When information is signed in the face that second terminal receives first terminal transmission, pass through the video communication between first terminal
Obtain the identity information of user corresponding with face label information.Specifically, it can will be signed and believed with face by the corresponding staff of first terminal
The identity information scanning of breath correspondence user is uploaded in first terminal.First terminal is based on preset interface, will by video communication
Acquired identity information is sent to second terminal.
Further, the identity information of acquisition can be sent to specific image system by first terminal, be deposited by image system
Store up the identity information.Obtained when second terminal needs identity information, then into image system.It is understood that being
Guarantee second terminal gets identity information in time, and first terminal can be transmitted after identity information is uploaded into image system
Notification message is to second terminal, to point out second terminal that successfully identity information is uploaded in image system.
Step S22, signs information by the face and the identity information is sent to public security system, for the public security system school
Test the face label information and the identity information, and back-checking result.
After second terminal gets face label information and identity information, information is signed into face and identity information is sent to public security system
System, so that public security system verifies face label information and the authenticity of identity information.When public security system completes opposite label information and identity
After the verification of information authenticity, back-checking result is to second terminal.
Further, after information and identity information are signed in face by second terminal is sent to public security system, public security system can be by
Corresponding identity data is stored in its database and is sent to second terminal.When second terminal receives the identity of public security system transmission
During data, the identity data received and face are signed into information, and identity information is compared, checking face label information and identity letter
The authenticity of breath.
Step S23, when determining that information is signed in the face and the identity information is verified after passing through according to the check results, sends out
Prompting message is sent to the first terminal.
When second terminal receives check results, according to check results determine face label information and identity information it is true
Property.After second terminal determines that face label information and identity information verification pass through according to check results, i.e., face label information and identity are believed
Cease to be real, send prompting message to first terminal.In the present embodiment, public security system can add face label in check results
Information and identity information verification pass through and unsanctioned identification information, and second terminal can be true by the identification information in check results
Whether face label information and identity information are determined by verification.As face to face label information and identity information by verification, i.e., face label information and
When identity information is true, the addition mark 1 in check results;Label information and identity information are not validated face to face, i.e., face is signed
When information and identity information is falsenesses, the addition mark 0 in check results.
Step S24, contract information of the first terminal according to needed for sending during face is signed the prompting message is to institute
State second terminal;
Step S25, the second terminal receives the contract information.
After first terminal receives prompting message, the contract that first terminal sends during face is signed according to prompting message is believed
Cease to second terminal.The mode that first terminal sends contract information is similar to the mode for sending identity information, will not be repeated here.
Second terminal receives the contract information that first terminal is sent.
Further, the loan face label method also includes:
Step g, when the first terminal and/or the second terminal receive regulation video image quality and/or resolution ratio
During regulating command, the video image quality and/or resolution ratio are adjusted according to regulating command correspondence.
Further, when first terminal receives the regulating command of regulation video image quality and/or resolution ratio, according to regulation
Instruction regulation video image quality and/or resolution ratio.When second terminal receives the regulating command of regulation video image quality and/or resolution ratio
When, video image quality and/or resolution ratio are adjusted according to regulating command.So that between first terminal and second terminal video communication it is clear
Clear degree, which is met, to be required.
Further, the resolution needed for each flow nodes during first terminal and second terminal face label is pre-set
Rate.When the resolution ratio needed for some flow nodes is higher, the smoothness of video communication between reduction first terminal and second terminal
Property;When requirement of some flow nodes to fluency is higher, the resolution ratio of reduction first terminal and second terminal video communication.
Further, can be right in the staff of first terminal and the progress video communication of attending a banquet of second terminal
Video process carries out voice, and video recording, obtains corresponding Voice & Video, and store the Voice & Video of gained.It can manage
Solution, the Voice & Video stored can be identified by provide a loan order number and/or date etc..
The present embodiment allows public security system to verify face label information by the way that face label information and identity information are sent into public security system
With the authenticity of identity information, the security during the label of loan face is improved, the wind of the financial institution offered a loan is reduced
Danger.
System is signed the present invention further provides a kind of loan face.
Reference picture 3, Fig. 3 is the high-level schematic functional block diagram for the preferred embodiment that system is signed in loan face of the present invention.
The loan face label system 100 of the application includes first terminal 10 and second terminal 20, it is necessary to which explanation, first eventually
Hold 10 place systems by house prosperity transaction place system, in embodiments of the present invention, house prosperity transaction institute where system be referred to as room
Institute's system is handed over, second terminal 20 is system where the financial institution offered a loan, it can be understood as system where the label platform of face.Can
With understanding, room hands over institute's system and face to sign platform in addition to it can be performed by terminal, can also be performed by server,
Can also jointly it be performed by terminal and server.Mentioned terminal includes but is not limited to PC, hand in embodiments of the present invention
Machine and tablet personal computer etc..
In the present embodiment, the loan face label system 100 includes first terminal 10 and second terminal 20.
The first terminal 10 is used for when detecting face label request, obtains the face label information needed for during face is signed, and
Information is signed into the face and is sent to the second terminal 20 bound by preset interface and the first terminal 10, wherein, described the
One terminal 10 binds the second terminal 20 by preset interface;
When first terminal 10 detects face label request, the face label information needed for during face is signed is obtained, and will be acquired
Face label information be sent to the second terminal 20 bound by preset interface and first terminal 10.Face label information includes but is not limited to
Name, age and the ID card No. of main creditor, common creditor, main creditor spouse and common creditor spouse etc.
Deng.Face label request can be triggered by the corresponding staff of first terminal 10.
It should be noted that in order to ensure that the workflow of face label platform hands over the workflow of institute's system consistent with room, i.e.,
In order to ensure that the workflow of first terminal 10 is consistent with the workflow of second terminal 20, by preset interface binding first eventually
End 10 and second terminal 20.Redirecting for flow nodes has close pass with preset interface between first terminal 10 and second terminal 20
System.When the node arranged between flow nodes and first terminal 10 and second terminal 20 is consistent, show first terminal 10 and
Flow between two terminals 20 is synchronous;When the node arranged between flow nodes and first terminal 10 and second terminal 20 differs
During cause, show that the flow between first terminal 10 and second terminal 20 is not synchronous.In the present embodiment, preset interface is B2BI
((Business to Business integration) interface.It is understood that preset interface is virtual interface, preset
The corresponding parameter of interface is set to constant, so as to when changing preset interface parameter name, can directly change the ginseng that constant class is defined
Number constant, reduces workload.
Further, before the label request of the corresponding staff of first terminal 10 triggering face, first terminal 10 is corresponding
Staff should first check whether creditor institute band data is complete.If creditor institute band data is not complete, should be in first terminal
Corresponding information is inputted in 10, so that the face label information that first terminal 10 is subsequently obtained is complete face label information.
Further, the first terminal 10 is additionally operable to when detecting the face label request, by binding described first
The preset interface of terminal and the second terminal obtains the number of attending a banquet that idle condition is in the second terminal 20;Based on described
The number of attending a banquet, loan order number corresponding with face label request in the second terminal 20 is obtained by the preset interface;Obtain
The face label information for taking face required during signing, signs information by the face and the loan order number is bound and is sent to described second eventually
End 20.
When first terminal 10 detects face label request, start long-distance video face label function.It is understood that face label please
The label button triggering of long-distance video face can be clicked on by the corresponding user of first terminal 10 by asking.After function on is signed in long-distance video face,
The number of attending a banquet in idle condition in second terminal 20 is obtained by binding the preset interface of first terminal 10 and second terminal 20.
Wherein, the number of attending a banquet in idle condition acquired in first terminal 10 is one or more.
First terminal 10 is based on the acquired number of attending a banquet, by signing request pair with face in preset interface acquisition second terminal 20
The loan order number answered.It is understood that the corresponding creditor of face label request, and order number of providing a loan also correspond to creditor,
Accordingly, it would be desirable to obtain loan order number corresponding with face label request.
It should be noted that after the number of attending a banquet is got, the corresponding staff of first terminal 10 passes through video communication
Attend a banquet corresponding with the number of attending a banquet is communicated, to trigger the information exchange between first terminal 10 and second terminal 20.Need
Illustrate, when the number of attending a banquet acquired in first terminal 10 for it is multiple when, the corresponding staff of first terminal 10 can with it is multiple
Corresponding attend a banquet of any number of attending a banquet is communicated in the number of attending a banquet.
After first terminal 10 gets loan order number, will provide a loan order number and acquired face label information binding, hair
Give second terminal 20.
The second terminal 20 is used for when receiving the face label information, obtains user's corresponding with face label information
Contract information needed for during identity information and face label.
When information is signed in the face that second terminal 20 is successfully received the transmission of first terminal 10, obtain and sign information to application with face
Contract information needed for during the identity information at family and face label.Wherein, the identity information of user corresponding with face label information is
Main creditor, main creditor spouse, the proof of identification material of common creditor and its spouse and personal guarantee people.Signed in face
Contract information needed for journey include but is not limited to income testimonial material, guaranty material, house-purchase material, interview face label material,
Bank account information, Accumulation Fund Loan material etc..The corresponding material of identity information and contract information acquired in second terminal 20
Display format include but is not limited to PDF (Portable Document Format, portable document format) and bmp
(Bitmap, image file format).
The second terminal 20 is additionally operable to point out attend a banquet the examination & verification identity information and the contract letter of the second terminal 20
Breath, to obtain auditing result;The auditing result and the loan application table prestored are sent to the first terminal 10.
When getting identity information and contract information, the output prompt message of second terminal 20 points out examination & verification identity of attending a banquet
Information and contract information, to obtain auditing result.It should be noted that examination & verification identity information and attending a banquet for contract information can be the
The number of attending a banquet acquired in one terminal 10 is corresponding to attend a banquet, or other are attended a banquet.Prompt message includes but is not limited to voice message
Information, text prompt information and indicator lamp prompt message.
After auditing result is obtained, second terminal 20 obtains the loan application table prestored, by auditing result and loan application
Table is sent to first terminal 10.It should be noted that second terminal 20 is sent in the loan application table of first terminal 10 to be
The loan application table of relevant information has been filled in, name, ID card No., the telephone number letter of loan application people has such as been filled in
Breath, first terminal 10 points out creditor borrowing after the loan application table is received by the corresponding staff of first terminal 10
The respective regions signature of money application form;Second terminal 20 is sent in the loan application table of first terminal 10 or not filled out
The loan application table of relevant information is write, first terminal 10 is after loan application table is received, by the corresponding work of first terminal 10
Personnel, or creditor fill in relevant information, and are signed by creditor in the respective regions of loan application table.
It should be noted that in the present embodiment, no matter the auditing result of attend a banquet examination & verification identity information and contract information is such as
What, second terminal 20 can all send loan application table to first terminal 10.
Further, the second terminal 20 is additionally operable to send the loan application table prestored to the first terminal 10;
The first terminal 10 is additionally operable to when receiving the loan application table, obtains creditor in the loan application
Signature picture when being signed in table, and the signature picture is sent to the second terminal 20;
The first terminal 10 is additionally operable to receive and stores the signature picture, and the auditing result is sent into first
Terminal 10.
Further, second terminal 20 obtains the loan application table prestored, and acquired loan application table is sent out
Give first terminal 10.When first terminal 10 receives the loan application table of the transmission of second terminal 20, the loan is printed out
Application form, and export the designated area signature that prompt message points out corresponding staff supervision creditor in loan application table.
When creditor signs in loan application table, first terminal 10 obtains signature map when creditor signs in loan application table
Piece.First terminal 10 can obtain signature picture by built-in camera, or connected camera, can also pass through correspondence
Staff or creditor upload signature picture into first terminal 10.
Signature picture is sent to second terminal 20 by first terminal 10.When second terminal 20 receives signature picture, deposit
The signature picture is stored up, and the auditing result of gained is sent to first terminal 10.
The first terminal 10 is additionally operable to according to the loan application table and the auditing result finished surface label received
Flow.
When first terminal 10 receives auditing result, according to auditing result and loan application table finished surface label flow.
Further, during being signed in face, the information that first terminal 10 and second terminal 20 are interacted all is by encryption
Reason, i.e., face label information, identity information, contract information and loan application table etc. are all by encryption.AES can
For DES (Data Encryption Standard, symmetry algorithm), 3DES (Triple DES, the symmetry algorithm based on DES),
IDEA (International Data Encryption Algorithm, IDEA) and asymmetric encryption
Algorithm RSA etc..In embodiments of the present invention, preferably select rivest, shamir, adelman encryption first terminal 10 and second terminal 20 is handed over
Mutual information.Public key can be such as used by first terminal 10 to needing the information for being sent to second terminal 20 to encrypt, second terminal 20
The information that first terminal 10 is sent is decrypted using private key corresponding with public key.
Further, in other embodiments, it may be configured as when identity information and contract information all real informations, that is, examine
When core result passes through for examination & verification, the loan application table prestored is sent to first terminal 10 by the ability of second terminal 20.Work as identity information
And/or when there is deceptive information in contract information, i.e., auditing result for examination & verification not by when, second terminal 20 is not by the loan prestored
Application form is sent to first terminal 10.
The present embodiment is by when first terminal 10 detects face label request, obtaining the face label letter needed for during face is signed
Breath, and face label information is sent to second terminal 20, wherein, the first terminal 10 binds described the by preset interface
Two terminals 20;When the second terminal 20 receives the face label information, the body of user corresponding with face label information is obtained
Contract information needed for during part information and face label;Point out the second terminal 20 attend a banquet the examination & verification identity information and
Contract information, to obtain auditing result;The auditing result and the loan application table prestored are sent to the first terminal 10;
First terminal 10 is according to the loan application table and the auditing result finished surface label flow received.Realize and signed face
The corresponding system of involved terminal in journey is connected, and only needs user to carry the required data of face label into a designated terminal,
Face label efficiency just can be improved with finished surface label.
Further, the label second embodiment of system 100 in loan face of the present invention is proposed.
The difference that the loan face label second embodiment of system 100 signs the first embodiment of system 100 with the loan face exists
In the second terminal 20 is additionally operable to, when receiving the face label information, pass through the video between the first terminal 10
Communication obtains the identity information of user corresponding with face label information.
When information is signed in the face that second terminal 20 receives the transmission of first terminal 10, pass through regarding between first terminal 10
Frequency communication obtains the identity information of user corresponding with face label information.Specifically, it can be incited somebody to action by the corresponding staff of first terminal 10
The identity information scanning of user corresponding with face label information is uploaded in first terminal 10.First terminal 10 is based on preset interface, leads to
Cross video communication and acquired identity information is sent to second terminal 20.
Further, the identity information of acquisition can be sent to specific image system by first terminal 10, by image system
Store the identity information.Obtained when second terminal 20 needs identity information, then into image system.It may be appreciated
It is that, in order to ensure that second terminal 20 gets identity information in time, identity information is being uploaded to image system by first terminal 10
Afterwards, notification message can be transmitted to second terminal 20, to point out second terminal 20 that identity information successfully is uploaded into image system
In.
The second terminal 20 is additionally operable to the face signing information and the identity information is sent to public security system, for institute
State public security system and verify the face label information and the identity information, and back-checking result.
After second terminal 20 gets face label information and identity information, information is signed into face and identity information is sent to public security
System, so that public security system verifies face label information and the authenticity of identity information.When public security system completes opposite label information and body
After the verification of part information authenticity, back-checking result is to second terminal 20.
Further, after face label information and identity information are sent to public security system by second terminal 20, public security system can
Second terminal 20 is sent to by corresponding identity data is stored in its database.Sent when second terminal 20 receives public security system
Identity data when, information is signed into the identity data received and face, and identity information is compared, checking face label information and
The authenticity of identity information.
The second terminal 20 is additionally operable to work as determines that information and the identity information are signed in the face according to the check results
After verification passes through, prompting message is sent to the first terminal 10.
When second terminal 20 receives check results, according to check results determine face label information and identity information it is true
Property.After second terminal 20 determines that face label information and identity information verification pass through according to check results, i.e., information and identity are signed in face
Information is real, sends prompting message to first terminal 10.In the present embodiment, public security system can be added in check results
Information is signed in face and identity information verification passes through and unsanctioned identification information, and second terminal 20 can pass through the mark in check results
Whether information determines face label information and identity information by verification.As label information and identity information are signed by verification, i.e. face face to face
Information and identity information for it is true when, the addition mark 1 in check results;Label information and identity information are not validated face to face,
When i.e. face label information and identity information is falsenesses, the addition mark 0 in check results.
The first terminal 10 is additionally operable to contract information required during sending face label according to the prompting message to institute
State second terminal 20;
The second terminal 20 is additionally operable to receive the contract information.
After first terminal 10 receives prompting message, first terminal 10 sends the conjunction during face is signed according to prompting message
With information to second terminal 20.The mode that first terminal 10 sends contract information is similar to the mode for sending identity information, herein
Repeat no more.
Second terminal 20 receives the contract information that first terminal 10 is sent.
Further, the first terminal 10 is additionally operable to when the regulation for receiving regulation video image quality and/or resolution ratio refers to
When making, the video image quality and/or resolution ratio are adjusted according to regulating command correspondence;
The second terminal 20 is additionally operable to when receiving the regulating command of regulation video image quality and/or resolution ratio, according to
The regulating command correspondence regulation video image quality and/or resolution ratio.
Further, when first terminal 10 receives the regulating command of regulation video image quality and/or resolution ratio, according to tune
Section instruction regulation video image quality and/or resolution ratio.When second terminal 20 receives the regulation of regulation video image quality and/or resolution ratio
During instruction, video image quality and/or resolution ratio are adjusted according to regulating command.So that video between first terminal 10 and second terminal 20
The definition of communication, which is met, to be required.
Further, point needed for each flow nodes during first terminal 10 and the face of second terminal 20 label is pre-set
Resolution.When the resolution ratio needed for some flow nodes is higher, video communication between reduction first terminal 10 and second terminal 20
Fluency;When requirement of some flow nodes to fluency is higher, reduction first terminal 10 and the video of second terminal 20 are logical
The resolution ratio of letter.
Further, in the staff of first terminal 10 and the progress video communication of attending a banquet of second terminal 20,
Voice, and video recording can be carried out to video process, corresponding Voice & Video is obtained, and store the Voice & Video of gained.Can
With understanding, the Voice & Video stored can be identified by provide a loan order number and/or date etc..
The present embodiment allows public security system to verify face label information by the way that face label information and identity information are sent into public security system
With the authenticity of identity information, the security during the label of loan face is improved, the wind of the financial institution offered a loan is reduced
Danger.
It should be noted that herein, term " comprising ", "comprising" or its any other variant are intended to non-row
His property is included, so that process, method, article or system including a series of key elements not only include those key elements, and
And also including other key elements being not expressly set out, or also include for this process, method, article or system institute inherently
Key element.In the absence of more restrictions, the key element limited by sentence "including a ...", it is not excluded that including this
Also there is other identical element in process, method, article or the system of key element.
The embodiments of the present invention are for illustration only, and the quality of embodiment is not represented.
Through the above description of the embodiments, those skilled in the art can be understood that above-described embodiment side
Method can add the mode of required general hardware platform to realize by software, naturally it is also possible to by hardware, but in many cases
The former is more preferably embodiment.Understood based on such, technical scheme is substantially done to prior art in other words
Going out the part of contribution can be embodied in the form of software product, and the computer software product is stored in a storage medium
In (such as ROM/RAM, magnetic disc, CD), including some instructions are to cause a station terminal equipment (can be mobile phone, computer, clothes
It is engaged in device, air conditioner, or network equipment etc.) perform method described in each embodiment of the invention.
The preferred embodiments of the present invention are these are only, are not intended to limit the scope of the invention, it is every to utilize this hair
Equivalent structure or equivalent flow conversion that bright specification and accompanying drawing content are made, or directly or indirectly it is used in other related skills
Art field, is included within the scope of the present invention.
Claims (10)
1. method is signed in a kind of loan face, it is characterised in that the loan face label method comprises the following steps:
When first terminal detects face label request, the face label information needed for during face is signed is obtained, and information is signed into the face
It is sent to the second terminal bound by preset interface and the first terminal;
When the second terminal receives face label information, obtain the identity information of user corresponding with face label information with
And the contract information needed for during the label of face;
Attend a banquet the examination & verification identity information and the contract information of the second terminal are pointed out, to obtain auditing result;
The auditing result and the loan application table prestored are sent to the first terminal;
First terminal is according to the loan application table and the auditing result finished surface label flow received.
2. method is signed in loan face as claimed in claim 1, it is characterised in that described when the second terminal receives the face
When signing information, the step of the identity information and face for obtaining user corresponding with the face label information contract information required during signing
Suddenly include:
When the second terminal receives face label information, by the video communication between the first terminal obtain with
The identity information of the face label information correspondence user;
Information is signed into the face and the identity information is sent to public security system, so that the public security system verifies the face label letter
Breath and the identity information, and back-checking result;
After determining that information is signed in the face and identity information verification passes through according to the check results, send prompting message to
The first terminal;
First terminal contract information required during sending face label according to the prompting message is to the second terminal;
The second terminal receives the contract information.
3. method is signed in loan face as claimed in claim 2, it is characterised in that the loan face label method also includes:
When the first terminal and/or the second terminal receive the regulating command of regulation video image quality and/or resolution ratio,
The video image quality and/or resolution ratio are adjusted according to regulating command correspondence.
4. method is signed in loan face as claimed in claim 1, it is characterised in that described by the auditing result and the loan prestored
The step of application form is sent to the first terminal includes:
The second terminal sends the loan application table prestored to the first terminal;
When the first terminal receives the loan application table, obtain when creditor signs in the loan application table
Signature picture, and the signature picture is sent to the second terminal;
The second terminal is received and stores the signature picture, and the auditing result is sent into first terminal.
5. the loan face label method as described in any one of Claims 1-4, it is characterised in that described when first terminal is detected
Face label request when, obtain face label during needed for face label information, and by the face label information be sent to by preset interface with
The step of second terminal of the first terminal binding, includes:
When the first terminal detects face label request, by binding the pre- of the first terminal and the second terminal
If interface obtains the number of attending a banquet that idle condition is in the second terminal;
Based on the number of attending a banquet, loan corresponding with face label request in the second terminal is obtained by the preset interface
Order number;
Face label information needed for during the label of acquisition face, face label information and the loan order number binding is sent to described
Second terminal.
6. system is signed in a kind of loan face, it is characterised in that the loan face label system includes first terminal and second terminal;
The first terminal is used to, when detecting face label request, obtain the face label information needed for during face is signed, and will be described
Face label information is sent to the second terminal bound by preset interface and the first terminal;
The second terminal is used for when receiving the face label information, and the identity for obtaining user corresponding with face label information is believed
Contract information needed for during breath and face label;Point out attend a banquet the examination & verification identity information and the contract letter of the second terminal
Breath, to obtain auditing result;The auditing result and the loan application table prestored are sent to the first terminal;
The first terminal is additionally operable to according to the loan application table and the auditing result finished surface label flow received.
7. system is signed in loan face as claimed in claim 6, it is characterised in that the second terminal is additionally operable to described when receiving
When information is signed in face, the identity for obtaining the corresponding user with face label information by the video communication between the first terminal is believed
Breath;Information is signed into the face and the identity information is sent to public security system, so that the public security system verifies the face label letter
Breath and the identity information, and back-checking result;When determining that information and the identity are signed in the face according to the check results
Information checking sends prompting message to the first terminal by rear;
The first terminal is additionally operable to contract information required during sending face label according to the prompting message to described second
Terminal;
The second terminal is additionally operable to receive the contract information.
8. system is signed in loan face as claimed in claim 7, it is characterised in that the first terminal, which is additionally operable to work as, receives regulation
During the regulating command of video image quality and/or resolution ratio, the video image quality and/or resolution are adjusted according to regulating command correspondence
Rate;
The second terminal is additionally operable to, when receiving the regulating command of regulation video image quality and/or resolution ratio, be adjusted according to described
The section instruction correspondence regulation video image quality and/or resolution ratio.
9. system is signed in loan face as claimed in claim 6, it is characterised in that the second terminal is additionally operable to send the loan prestored
Money application form gives the first terminal;
The first terminal is additionally operable to when receiving the loan application table, is obtained creditor and is signed in the loan application table
Signature picture during name, and the signature picture is sent to the second terminal;
The first terminal is additionally operable to receive and stores the signature picture, and the auditing result is sent into first terminal.
10. the loan face label system as described in any one of claim 6 to 9, it is characterised in that the first terminal is additionally operable to work as
When detecting the face label request, described second is obtained by the preset interface for binding the first terminal and the second terminal
The number of attending a banquet of idle condition is in terminal;Based on the number of attending a banquet, obtained by the preset interface in the second terminal
Loan order number corresponding with face label request;Acquisition face label during needed for face label information, by the face sign information with
The loan order number binding is sent to the second terminal.
Priority Applications (2)
Application Number | Priority Date | Filing Date | Title |
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CN201710149824.9A CN107067320A (en) | 2017-03-13 | 2017-03-13 | Sign method and system in loan face |
PCT/CN2017/089474 WO2018166091A1 (en) | 2017-03-13 | 2017-06-22 | Method, system, and terminal for face-to-face loan signing, and computer-readable storage medium |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
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CN201710149824.9A CN107067320A (en) | 2017-03-13 | 2017-03-13 | Sign method and system in loan face |
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CN107067320A true CN107067320A (en) | 2017-08-18 |
Family
ID=59621686
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CN201710149824.9A Pending CN107067320A (en) | 2017-03-13 | 2017-03-13 | Sign method and system in loan face |
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WO (1) | WO2018166091A1 (en) |
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CN107895239A (en) * | 2017-12-08 | 2018-04-10 | 平安科技(深圳)有限公司 | Video face dispatch work method, apparatus, equipment and readable storage medium storing program for executing |
CN108038779A (en) * | 2017-12-08 | 2018-05-15 | 平安科技(深圳)有限公司 | Video face label identity checking method, device, equipment and readable storage medium storing program for executing |
CN108306876A (en) * | 2018-01-30 | 2018-07-20 | 平安普惠企业管理有限公司 | Client identity verification method, device, computer equipment and storage medium |
CN108389126A (en) * | 2018-03-07 | 2018-08-10 | 深圳前海大数金融服务有限公司 | Mobile face label method, mobile face label system, terminal server and storage medium |
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WO2019104892A1 (en) * | 2017-12-01 | 2019-06-06 | 平安科技(深圳)有限公司 | Remote face-to-face signing agent matching method, electronic device, and computer-readable storage medium |
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