CN113743938A - Personal credit investigation information query method and device - Google Patents

Personal credit investigation information query method and device Download PDF

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Publication number
CN113743938A
CN113743938A CN202111080730.3A CN202111080730A CN113743938A CN 113743938 A CN113743938 A CN 113743938A CN 202111080730 A CN202111080730 A CN 202111080730A CN 113743938 A CN113743938 A CN 113743938A
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user
credit investigation
message
authentication
personal
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姜澜波
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Bank of China Ltd
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Bank of China Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F16/00—Information retrieval; Database structures therefor; File system structures therefor
    • G06F16/90—Details of database functions independent of the retrieved data types
    • G06F16/95—Retrieval from the web
    • G06F16/953—Querying, e.g. by the use of web search engines
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • 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; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04W—WIRELESS COMMUNICATION NETWORKS
    • H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
    • H04W4/12—Messaging; Mailboxes; Announcements
    • H04W4/14—Short messaging services, e.g. short message services [SMS] or unstructured supplementary service data [USSD]

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  • Business, Economics & Management (AREA)
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Abstract

The invention discloses a method and a device for inquiring personal credit investigation information, which relate to the technical field of mobile interconnection, wherein the method comprises the following steps: when a personal credit investigation request sent by a user through a 5G message is received, acquiring personal information of the user from an operator system to which the 5G message belongs; sending the personal information of the user to a credit investigation system so that the credit investigation system can verify the received personal information according to the reserved personal information of the user; when the personal verification passing notice fed back by the credit investigation system is received, carrying out identity authentication on the user through the 5G message; and if the identity authentication of the user passes, inquiring credit investigation information of the user from the credit investigation system, and forwarding the inquired credit investigation information to the user. The invention can simplify the inquiry steps of the personal credit investigation information and improve the business handling efficiency on the premise of ensuring safety and reliability.

Description

Personal credit investigation information query method and device
Technical Field
The invention relates to the technical field of mobile interconnection, in particular to a method and a device for inquiring personal credit investigation information.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
With the improvement of living standard of people, when loan transaction and buying rooms are borrowed in daily life, personal credit investigation reports need to be inquired for a loan institution to check personal economic condition information. In recent years, various banks generally provide an online credit investigation report inquiry function, and users no longer need to go to a website to print a report. However, the on-line inquiry credit report needs to download the mobile banking APP of the bank first, and more personal information is filled in the mobile banking APP, and meanwhile, the short message verification security is low, and the short message is easily forged and stolen by others. In addition, on one hand, the existing credit investigation steps are complicated, a user is required to input multiple personal information such as an identification number, and then multiple steps such as mobile phone information verification and face recognition are required; on the other hand, the events of opening an account by falsifying information of other people and forging personal information occur frequently, and the bank faces higher and higher requirements for monitoring the opening of the related account. Meanwhile, the problem of crossing mechanisms and units still exists when the user identity is verified, the information authenticity processing difficulty is high, and therefore a personal credit investigation information inquiry system which can ensure reliability and safety and is simple and convenient is urgently needed.
Disclosure of Invention
The embodiment of the invention provides a method for inquiring personal credit investigation information, which is used for simplifying the inquiry steps of the personal credit investigation information and improving the business handling efficiency on the premise of ensuring safety and reliability, and comprises the following steps:
when a personal credit investigation request sent by a user through a 5G message is received, acquiring personal information of the user from an operator system to which the 5G message belongs;
sending the personal information of the user to a credit investigation system so that the credit investigation system can verify the received personal information according to the reserved personal information of the user;
when the personal verification passing notice fed back by the credit investigation system is received, carrying out identity authentication on the user through the 5G message;
and if the identity authentication of the user passes, inquiring credit investigation information of the user from the credit investigation system, and forwarding the inquired credit investigation information to the user.
The embodiment of the present invention further provides a device for inquiring personal credit investigation information, so as to simplify the inquiry procedure of personal credit investigation information and improve the efficiency of service handling on the premise of ensuring safety and reliability, the device comprising:
when the communication module receives a personal credit investigation request sent by a user through a 5G message, the acquisition module acquires personal information of the user from an operator system to which the 5G message belongs;
the communication module is also used for sending the personal information of the user to the credit investigation system so that the credit investigation system can verify the received personal information according to the reserved personal information of the user;
when the communication module receives the personal verification passing notice fed back by the credit investigation system, the authentication module is used for carrying out personal identity authentication on the user through the 5G message;
and the communication module is also used for inquiring credit investigation information of the user from the credit investigation system and forwarding the inquired credit investigation information to the user if the identity authentication of the user passes.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the personal credit investigation information inquiry method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the personal credit investigation information inquiry method.
In the embodiment of the invention, when a 5G message of a personal credit investigation request of a user is received, the user is not required to input personal information, the personal information is acquired from an operator system to which the 5G message belongs, the personal information is verified successfully by a credit investigation system, and after the identity authentication of the user passes, the personal credit investigation of the user is inquired from a credit investigation system, and then the personal credit investigation is sent to the user. In the whole process of inquiring the personal credit investigation information, the information interaction is carried out with the user based on the 5G information technology, the user does not need to download a mobile phone bank APP, and the 5G information is transmitted in an encryption mode, so that the safety and the reliability of the information interaction process are also ensured; meanwhile, as the user performs personal information registration in the operator system and acquires the personal information of the user from the operator system, the user does not need to manually fill the personal information, the efficiency of transacting the personal credit investigation service by the user is improved, the service transaction time is saved, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
fig. 1 is a flowchart of a method for querying personal credit investigation information according to an embodiment of the present invention;
fig. 2 is another flowchart of a method for inquiring personal credit investigation information according to an embodiment of the present invention;
fig. 3 is another flowchart of a method for inquiring personal credit investigation information according to an embodiment of the present invention;
fig. 4 is a schematic structural diagram of an apparatus for inquiring personal credit investigation information according to an embodiment of the present invention;
fig. 5 is a schematic structural diagram of a computer device according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
The embodiment of the invention provides a method for inquiring personal credit investigation information, which comprises the following steps 101 to 104:
step 101, when receiving a personal credit investigation request sent by a user through a 5G message, acquiring personal information of the user from an operator system to which the 5G message belongs.
The 5G message, also called RCS convergence Communications (Rich Communications Services), is a brand new short message delivery solution created based on the RCS international standard and the traditional short message channel, is an intelligent upgrade of the traditional short message service, realizes multimedia and lightweight of the message, and realizes the interaction of industry and personal information by introducing the MaaP (messaging as a Platform) technology.
The 5G message adopts an encryption transmission mode, so that telecommunication fraud risks such as pseudo base stations, short message hijacking and the like can be effectively prevented, and the privacy safety of users in the message is ensured.
In the operator system, the mobile phone number handled by the user is bound with the personal information, and the personal information of the user handling the mobile phone number can be inquired through the mobile phone number.
Considering that the personal information is the privacy information of the user, before receiving the personal credit investigation request sent by the user through the 5G message, as shown in fig. 2, the following steps 201 to 202 may also be performed:
step 201, sending a specified mobile phone number and credit investigation service notification content to the operator system, so that the operator system generates a 5G message according to the credit investigation service notification content, and sends the 5G message to the specified mobile phone number, wherein the credit investigation service notification content includes a content requesting to obtain a user authorization to investigate the personal information of the user in the operator system.
Step 202, receiving a personal credit investigation request sent by a user, wherein the personal credit investigation request comprises a confirmation authorization notification.
The designated mobile phone numbers are one or more mobile phone numbers, and the designated mobile phone numbers are obtained according to user behavior analysis, for example, how to inquire about the credit is consulted with a bank by telephone or the like within a period of time, or how to inquire about the credit is searched on the network recently, and when the user has a preset behavior related to credit inquiry, the user is indicated to have the intention of credit inquiry. In order to facilitate the users to handle credit investigation service, the bank can actively send credit investigation service notification content to the intended users through the operator system.
That is, the credit investigation service notification content is sent to the intended user group, and the user can determine whether to continue to handle the credit investigation service according to the self requirement. The user can ignore the 5G message if the user does not need to do so, and can establish a connection with the personal credit information inquiry apparatus through the 5G message if the user needs to do so.
The notification content of the credit investigation service is preset, wherein the notification content comprises a description for obtaining authorization for inquiring user and person information from an operator system for a user, if the user authorizes to inquire personal information from the operator system, the credit investigation is continued, and if the user does not authorize, the transaction of the credit investigation service is stopped, so that the privacy security of the user is guaranteed.
And 102, sending the personal information of the user to a credit investigation system so that the credit investigation system can verify the received personal information according to the reserved personal information of the user.
The personal information comprises information such as name, identification card number, mobile phone number, home address and/or home location, the personal information is compared with the personal information stored in the credit investigation system one by one, and if the comparison of all the information is the same, the verification is determined to be passed. If any person information is different in comparison, the verification is determined not to be passed.
And 103, when the personal verification passing notice fed back by the credit investigation system is received, carrying out identity authentication on the user through the 5G message.
The 5G message may be a multimedia message, and as shown in fig. 3, the identity authentication of the user through the 5G message may be performed as following steps 301 to 305, wherein steps 303 to 305 are performed in one or more steps depending on the authentication type.
Step 301, sending a 5G message for identity authentication to a user, where the 5G message for identity authentication includes an authentication type indicating the user to send, and the authentication type includes a short message verification code, a face image, or a face video for reading out specified content.
Step 302, receiving an authentication 5G message sent by the user according to the authentication type.
And 303, comparing the short message verification code in the authentication 5G message with the short message verification code sent to the user when the authentication type is the short message verification code, and if the comparison is successful, confirming that the identity authentication of the user passes.
And 304, when the authentication type is a face image, comparing the face image in the authentication 5G message with a face image reserved by the user, and if the comparison is successful, confirming that the identity authentication of the user is passed.
And 305, when the authentication type is the face video with the read-out appointed content, comparing the face image intercepted from the video in the authentication 5G message with the face image reserved by the user, comparing the mouth shape in the video with the mouth shape with the appointed content, and if the face image and the mouth shape are compared successfully, determining that the identity authentication of the user is passed.
It should be noted that the authentication type may be 1, or may be multiple types, for example, the identity authentication of the person is performed in two ways, that is, a short message verification code and a face image, or the identity authentication of the person may be performed in three ways, that is, a short message verification code, a face image, and a face video with specified contents being read out.
In addition to the authentication types, the authentication method can also adopt the modes such as fingerprint and iris to carry out identity authentication, and considering that some mobile phones do not have fingerprint and iris acquisition functions, various usable authentication types can be provided for users, and the users can select the usable authentication types from the usable authentication types.
In each authentication type, if the comparison fails, the identity authentication of the user is determined not to pass.
By means of identity authentication, protection of user information can be enhanced, and credit investigation information of the user can be prevented from being stolen by others.
And 104, if the identity authentication of the user passes, inquiring credit investigation information of the user from the credit investigation system, and forwarding the inquired credit investigation information to the user.
In another implementation mode, if the principal identity authentication fails, sending a principal identity authentication failure notification to the user, and prompting the user to resend an authentication 5G message corresponding to the authentication type. The personal identity authentication failure notification may further include a reason that the authentication fails, for example, a short message verification code input error, a face image blur shot, a face image video read content error, or the like, so as to be referred by the user, and the problems are avoided in subsequent authentication.
Because the operation amount of the personal credit investigation device is greatly increased by excessive attempts, the times of the user identity authentication failure can be recorded, and when the preset times are reached, the personal credit investigation request of the user is rejected. Therefore, the condition that an illegal user passes identity authentication in a repeated attempt mode can be avoided, and the safety of personal credit investigation information of the user is improved.
In the embodiment of the invention, when a 5G message of a personal credit investigation request of a user is received, the user is not required to input personal information, the personal information is acquired from an operator system to which the 5G message belongs, the personal information is verified successfully by a credit investigation system, and after the identity authentication of the user passes, the personal credit investigation of the user is inquired from a credit investigation system, and then the personal credit investigation is sent to the user. In the whole process of inquiring the personal credit investigation information, the information interaction is carried out with the user based on the 5G information technology, the user does not need to download a mobile phone bank APP, and the 5G information is transmitted in an encryption mode, so that the safety and the reliability of the information interaction process are also ensured; meanwhile, as the user performs personal information registration in the operator system and acquires the personal information of the user from the operator system, the user does not need to manually fill the personal information, the efficiency of transacting the personal credit investigation service by the user is improved, the service transaction time is saved, and the user experience is improved.
The embodiment of the invention also provides a personal credit investigation device, which is described in the following embodiment. Because the principle of the device for solving the problems is similar to the personal credit investigation method, the implementation of the device can refer to the implementation of the personal credit investigation method, and repeated parts are not described again.
As shown in fig. 4, the apparatus 400 includes a communication module 401, an acquisition module 402, and an authentication module 403.
When the communication module 401 receives a personal credit investigation request sent by a user through a 5G message, the obtaining module 402 obtains personal information of the user from an operator system to which the 5G message belongs;
the communication module 401 is further configured to send personal information of the user to the credit investigation system, so that the credit investigation system verifies the received personal information according to the reserved personal information of the user;
when the communication module 401 receives the personal verification passing notification fed back by the credit investigation system, the authentication module 403 is used for performing identity authentication on the user through a 5G message;
the communication module 401 is further configured to query credit investigation information of the user from the credit investigation system and forward the queried credit investigation information to the user if the identity authentication of the principal passes.
In an implementation manner of the embodiment of the present invention, the communication module is further configured to:
sending a specified mobile phone number and credit investigation service notification content to an operator system so that the operator system generates a 5G message according to the credit investigation service notification content and sends the 5G message to the specified mobile phone number, wherein the credit investigation service notification content comprises the content of requesting to acquire the personal information of a user authorized to investigate the user in the operator system;
and receiving a personal credit investigation request sent by a user, wherein the personal credit investigation request comprises a confirmation authorization notice.
In an implementation manner of the embodiment of the present invention, the authentication module is configured to:
sending a 5G message for identity authentication of the user to the user, wherein the 5G message for identity authentication of the user comprises an authentication type indicating the sending of the user, and the authentication type comprises a short message verification code, a face image or a face video reading designated content;
receiving authentication 5G information sent by a user according to the authentication type;
when the authentication type is a short message verification code, comparing the short message verification code in the authentication 5G message with the short message verification code sent to the user, and if the comparison is successful, confirming that the identity authentication of the user is passed;
when the authentication type is a face image, comparing the face image in the authentication 5G message with a face image reserved by the user, and if the comparison is successful, confirming that the identity authentication of the user passes;
and when the authentication type is a face video with the read-out appointed content, comparing a face image intercepted from the video in the authentication 5G message with a face image reserved by the user, comparing the mouth shape in the video with the mouth shape of the appointed content, and if the face image and the mouth shape are compared successfully, determining that the identity authentication of the user is passed.
In one implementation of an embodiment of the present invention,
the communication module is also used for sending a personal identity authentication failure notice to the user and prompting the user to resend an authentication 5G message corresponding to the authentication type when the personal identity authentication fails;
and the recording module is used for recording the times of the identity authentication failure of the user, and refusing the personal credit investigation request of the user when the preset times are reached.
In the embodiment of the invention, when a 5G message of a personal credit investigation request of a user is received, the user is not required to input personal information, the personal information is acquired from an operator system to which the 5G message belongs, the personal information is verified successfully by a credit investigation system, and after the identity authentication of the user passes, the personal credit investigation of the user is inquired from a credit investigation system, and then the personal credit investigation is sent to the user. In the whole process of inquiring the personal credit investigation information, the information interaction is carried out with the user based on the 5G information technology, the user does not need to download a mobile phone bank APP, and the 5G information is transmitted in an encryption mode, so that the safety and the reliability of the information interaction process are also ensured; meanwhile, as the user performs personal information registration in the operator system and acquires the personal information of the user from the operator system, the user does not need to manually fill the personal information, the efficiency of transacting the personal credit investigation service by the user is improved, the service transaction time is saved, and the user experience is improved.
An embodiment of the present invention further provides a computer device, and fig. 5 is a schematic diagram of the computer device in the embodiment of the present invention, where the computer device is capable of implementing all steps in the personal credit investigation method in the embodiment of the present invention, and the computer device specifically includes the following contents:
a processor (processor)501, a memory (memory)502, a communication Interface (Communications Interface)503, and a communication bus 504;
the processor 501, the memory 502 and the communication interface 503 complete mutual communication through the communication bus 504; the communication interface 503 is used for implementing information transmission between related devices;
the processor 501 is configured to call the computer program in the memory 502, and when the processor executes the computer program, the processor implements the personal credit investigation method in the above embodiments.
The embodiment of the invention also provides a computer readable storage medium, and the computer readable storage medium stores a computer program for executing the personal credit investigation information inquiry method.
As will be appreciated by one skilled in the art, 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, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.

Claims (10)

1. A personal credit investigation method is characterized in that the method comprises the following steps:
when a personal credit investigation request sent by a user through a 5G message is received, acquiring personal information of the user from an operator system to which the 5G message belongs;
sending the personal information of the user to a credit investigation system so that the credit investigation system can verify the received personal information according to the reserved personal information of the user;
when the personal verification passing notice fed back by the credit investigation system is received, carrying out identity authentication on the user through the 5G message;
and if the identity authentication of the user passes, inquiring credit investigation information of the user from the credit investigation system, and forwarding the inquired credit investigation information to the user.
2. The method of claim 1, wherein before receiving the personal credit investigation request sent by the user through the 5G message, the method further comprises:
sending a specified mobile phone number and credit investigation service notification content to an operator system so that the operator system generates a 5G message according to the credit investigation service notification content and sends the 5G message to the specified mobile phone number, wherein the credit investigation service notification content comprises the content of requesting to acquire the personal information of a user in the user investigation operator system authorized by the user;
and receiving a personal credit investigation request sent by a user, wherein the personal credit investigation request comprises a confirmation authorization notice.
3. The method of claim 1, wherein authenticating the user identity via a 5G message comprises:
sending a 5G message for identity authentication of a user to the user, wherein the 5G message for identity authentication of the user comprises an authentication type which indicates the user to send, and the authentication type comprises a short message verification code, a face image or a face video for reading specified content;
receiving authentication 5G information sent by a user according to the authentication type;
when the authentication type is a short message verification code, comparing the short message verification code in the authentication 5G message with the short message verification code sent to the user, and if the comparison is successful, confirming that the identity authentication of the user is passed;
when the authentication type is a face image, comparing the face image in the authentication 5G message with a face image reserved by the user, and if the comparison is successful, confirming that the identity authentication of the user passes;
and when the authentication type is a face video with the read-out appointed content, comparing a face image intercepted from the video in the authentication 5G message with a face image reserved by the user, comparing the mouth shape in the video with the mouth shape of the appointed content, and if the face image and the mouth shape are compared successfully, determining that the identity authentication of the user is passed.
4. The method according to any one of claims 1 to 3, wherein after authenticating the user by a 5G message, the method further comprises:
if the identity authentication of the user is not passed, sending a notification that the identity authentication of the user is not passed to the user, and prompting the user to resend an authentication 5G message corresponding to the authentication type;
recording the times of the user identity authentication failure, and refusing the personal credit investigation request of the user when the preset times are reached.
5. An apparatus for inquiring personal credit information, the apparatus comprising:
when the communication module receives a personal credit investigation request sent by a user through a 5G message, the acquisition module acquires personal information of the user from an operator system to which the 5G message belongs;
the communication module is also used for sending the personal information of the user to the credit investigation system so that the credit investigation system can verify the received personal information according to the reserved personal information of the user;
when the communication module receives the personal verification passing notice fed back by the credit investigation system, the authentication module is used for carrying out personal identity authentication on the user through the 5G message;
and the communication module is also used for inquiring credit investigation information of the user from the credit investigation system and forwarding the inquired credit investigation information to the user if the identity authentication of the user passes.
6. The apparatus of claim 5, wherein the communication module is further configured to:
sending a specified mobile phone number and credit investigation service notification content to an operator system so that the operator system generates a 5G message according to the credit investigation service notification content and sends the 5G message to the specified mobile phone number, wherein the credit investigation service notification content comprises the content of requesting to acquire the personal information of a user in the user investigation operator system authorized by the user;
and receiving a personal credit investigation request sent by a user, wherein the personal credit investigation request comprises a confirmation authorization notice.
7. The apparatus of claim 5, wherein the authentication module is configured to:
sending a 5G message for identity authentication of a user to the user, wherein the 5G message for identity authentication of the user comprises an authentication type which indicates the user to send, and the authentication type comprises a short message verification code, a face image or a face video for reading specified content;
receiving authentication 5G information sent by a user according to the authentication type;
when the authentication type is a short message verification code, comparing the short message verification code in the authentication 5G message with the short message verification code sent to the user, and if the comparison is successful, confirming that the identity authentication of the user is passed;
when the authentication type is a face image, comparing the face image in the authentication 5G message with a face image reserved by the user, and if the comparison is successful, confirming that the identity authentication of the user passes;
and when the authentication type is a face video with the read-out appointed content, comparing a face image intercepted from the video in the authentication 5G message with a face image reserved by the user, comparing the mouth shape in the video with the mouth shape of the appointed content, and if the face image and the mouth shape are compared successfully, determining that the identity authentication of the user is passed.
8. The apparatus according to any one of claims 5 to 7,
the communication module is also used for sending a personal identity authentication failure notice to the user and prompting the user to resend an authentication 5G message corresponding to the authentication type when the personal identity authentication fails;
and the recording module is used for recording the times of the identity authentication failure of the user, and refusing the personal credit investigation request of the user when the preset times are reached.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor implements the method of any one of claims 1 to 4 when executing the computer program.
10. A computer-readable storage medium, characterized in that the computer-readable storage medium stores a computer program for executing the method of any one of claims 1 to 4.
CN202111080730.3A 2021-09-15 2021-09-15 Personal credit investigation information query method and device Pending CN113743938A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114449520A (en) * 2022-03-18 2022-05-06 中国工商银行股份有限公司 Remote acquisition method and device for bank flow

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN114449520A (en) * 2022-03-18 2022-05-06 中国工商银行股份有限公司 Remote acquisition method and device for bank flow

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