CN115471228A

CN115471228A - Financial business certificate checking method, device, equipment and storage medium

Info

Publication number: CN115471228A
Application number: CN202211149627.4A
Authority: CN
Inventors: 刘维安
Original assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Current assignee: China Construction Bank Corp; CCB Finetech Co Ltd
Priority date: 2022-09-21
Filing date: 2022-09-21
Publication date: 2022-12-13

Abstract

The disclosure provides a financial service certificate checking method, device, equipment and storage medium, which can be applied to the technical fields of artificial intelligence and finance. The financial service certificate checking method comprises the following steps: before filing an electronic scanned part obtained by scanning a paper certificate, acquiring the electronic scanned part from a management system according to a first information table, wherein the first information table is generated according to associated information generated when the electronic scanned part is uploaded to the management system, the paper certificate is generated after a user transacts financial services, and the management system is used for caching the electronic scanned part; identifying the electronic scanning piece by using a preset identification technology to obtain an identification result; obtaining the certificate information in the electronic scanning piece under the condition that the identification result represents that the identification is successful; and determining a checking result according to the certificate information and the service information, wherein the checking result is used for representing whether the paper certificate is matched with the service information.

Description

Financial business certificate checking method, device, equipment and storage medium

Technical Field

The present disclosure relates to the field of artificial intelligence and financial technologies, and in particular, to a financial transaction credential checking method, apparatus, device, storage medium, and program product.

Background

With the economic development of society and the improvement of the living standard of people, financial services are continuously increased, the service flow is more complex, the service handling is gradually electronized, and the voucher still plays an important role as a basis for recording the occurrence of the financial services.

In the implementation process of the method, after financial business is transacted, the scanned certificate of the generated paper certificate can be directly filed, the real matching between the scanned certificate and business flow cannot be guaranteed, the consistency between the certificate and actual transaction cannot be guaranteed, the risk that the actual transaction is not matched with the corresponding certificate exists, and the risk that the certificate is not found after the content of the certificate is artificially tampered also exists.

Disclosure of Invention

In view of the above, the present disclosure provides a financial transaction credential checking method, apparatus, device, storage medium, and program product.

According to a first aspect of the present disclosure, there is provided a financial transaction certificate checking method, including:

before filing an electronic scanned part obtained by scanning a paper certificate, acquiring the electronic scanned part from a management system according to a first information table, wherein the first information table is generated according to associated information generated when the electronic scanned part is uploaded to the management system, the paper certificate is generated after a user transacts financial services, and the management system is used for caching the electronic scanned part;

identifying the electronic scanning piece by using a preset identification technology to obtain an identification result;

obtaining the certificate information in the electronic scanning piece under the condition that the identification result represents that the identification is successful; and

and determining a checking result according to the voucher information and the service information, wherein the checking result is used for representing whether the paper voucher is matched with the service information, and the service information is used for representing information generated when financial services are handled.

According to an embodiment of the present disclosure, before archiving an electronic scanned article obtained by scanning a paper voucher, the method for acquiring the electronic scanned article from a management system according to a first information table includes:

inquiring a scanning piece index information table according to a preset time interval;

screening records of which the states are unidentified in the scanning piece index information table; and acquiring the electronic scanning piece from the management system according to the first information table recorded in the record of which the state is unidentified.

According to an embodiment of the present disclosure, the first information table includes upload path information of the electronic scanning piece;

the electronic scanning unit is acquired from a management system based on a first information table described in a record whose status is unidentified, and the electronic scanning unit includes:

determining the storage position information of the electronic scanning piece by using the uploading path information of the electronic scanning piece; and

and obtaining the electronic scanning piece according to the storage position information.

According to an embodiment of the present disclosure, further comprising:

after receiving a request message from an external system, analyzing the request message to obtain transaction information corresponding to different fields respectively; and

and storing the transaction information respectively corresponding to different fields into a scanning piece index information table.

According to an embodiment of the present disclosure, the transaction information includes at least one of: transaction institution, teller, transaction date, scanning piece upload path, serial number.

According to an embodiment of the present disclosure, the preset recognition technique includes an intelligent character recognition technique;

under the condition that the identification result is determined to represent that the identification is successful, acquiring the certificate information in the electronic scanning piece, wherein the method comprises the following steps:

identifying the constituent elements in the electronic scanning part by using an intelligent character identification technology to obtain text information corresponding to the constituent elements; and

and determining the credential information according to the text information.

According to the embodiment of the disclosure, determining the checking result according to the credential information and the service information includes:

comparing the voucher information with the service information one by one to obtain N comparison results, wherein N is an integer greater than or equal to 1;

under the condition that the N comparison results are determined to be consistent with the representation information, determining that the checking result is that the paper certificate is matched with the service information; and

and under the condition that the characterization information is inconsistent in the N comparison results, determining that the checking result is that the paper certificate is not matched with the service information.

In accordance with an embodiment of the present disclosure, the first table of information further includes time information generated by the paper voucher,

the method further comprises the following steps:

determining the scanning time of the electronic scanning piece according to the time information generated by the paper certificate; and

and acquiring the associated information in real time according to the scanning time.

According to an embodiment of the present disclosure, further comprising:

under the condition that the identification result representing identification is not successful, obtaining a matching result obtained by a third party, wherein the matching result is determined by directly matching the electronic scanning piece and the service information; and

and determining a checking result according to the matching result.

A second aspect of the present disclosure provides a financial transaction credential checking device, including:

the system comprises a first acquisition module, a management system and a second acquisition module, wherein the first acquisition module is used for acquiring an electronic scanning piece from the management system according to a first information table before filing the electronic scanning piece obtained by scanning a paper certificate, the first information table is generated according to associated information generated when the electronic scanning piece is uploaded to the management system, the paper certificate is generated after a user transacts financial services, and the management system is used for caching the electronic scanning piece;

the identification module is used for identifying the electronic scanning piece by utilizing a preset identification technology to obtain an identification result;

the second acquisition module is used for acquiring the certificate information in the electronic scanning piece under the condition that the identification result represents that the identification is successful; and

and the first determining module is used for determining a checking result according to the voucher information and the service information, wherein the checking result is used for representing whether the paper voucher is matched with the service information, and the service information is used for representing information generated when financial services are transacted.

A third aspect of the present disclosure provides an electronic device, comprising: one or more processors; a memory for storing one or more programs, wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the above financial transaction credential checking method.

A fourth aspect of the present disclosure also provides a computer-readable storage medium having executable instructions stored thereon, which when executed by a processor, cause the processor to perform the above financial transaction credential checking method.

A fifth aspect of the present disclosure also provides a computer program product comprising a computer program which, when executed by a processor, implements the above financial transaction credential checking method.

According to the financial transaction certificate checking method, device, equipment, medium and program product provided by the present disclosure, before archiving an electronic scanned article obtained by scanning a paper certificate, the electronic scanned article is acquired from a management system according to a first information table. And acquiring the certificate information in the electronic scanning piece under the condition that the electronic scanning piece is successfully identified. And determining a checking result for representing whether the paper certificate is matched with the business information or not according to the certificate information and the business information. The checking of the electronic scanning piece obtained by scanning the paper voucher is finished before the filing is not finished, and the real-time checking of whether the electronic scanning piece conforms to the actual transaction or not is realized, so that the risk that the electronic scanning piece is not found after the voucher content is artificially tampered is avoided, and the flow of auditing and checking efficiency after the electronic scanning piece is filed is optimized.

Drawings

The foregoing and other objects, features and advantages of the disclosure will be apparent from the following description of embodiments of the disclosure, which proceeds with reference to the accompanying drawings, in which:

FIG. 1 schematically illustrates an application scenario diagram of a financial transaction credential checking method, apparatus, device, storage medium and program product according to an embodiment of the disclosure;

FIG. 2 schematically illustrates a flow chart of a financial transaction credential checking method according to an embodiment of the present disclosure;

FIG. 3 schematically illustrates a flow chart of a method for obtaining an electronic scan from a management system according to a first table of information prior to archiving the electronic scan resulting from scanning a paper document in accordance with an embodiment of the present disclosure;

FIG. 4 schematically illustrates a flow chart of a method for obtaining an electronic scan from a management system according to a first table of information prior to archiving an electronic scan derived from a scanned paper voucher, in accordance with another embodiment of the present disclosure;

FIG. 5 is a block diagram schematically illustrating the structure of a financial transaction document checking device according to an embodiment of the disclosure; and

fig. 6 schematically shows a block diagram of an electronic device adapted to implement a financial transaction credential checking method according to an embodiment of the present disclosure.

Detailed Description

Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood that these descriptions are illustrative only and are not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Moreover, in the following description, descriptions of well-known structures and techniques are omitted so as to not unnecessarily obscure the concepts of the present disclosure.

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the disclosure. The terms "comprises," "comprising," and the like, as used herein, specify the presence of stated features, steps, operations, and/or components, but do not preclude the presence or addition of one or more other features, steps, operations, or components.

All terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art unless otherwise defined. It is noted that the terms used herein should be interpreted as having a meaning that is consistent with the context of this specification and should not be interpreted in an idealized or overly formal sense.

Where a convention analogous to "A, B and at least one of C, etc." is used, in general such a construction is intended in the sense one having skill in the art would understand the convention (e.g., "a system having at least one of A, B and C" would include, but not be limited to, systems that have a alone, B alone, C alone, a and B together, a and C together, B and C together, and/or A, B, C together, etc.).

In the technical scheme of the disclosure, the collection, storage, use, processing, transmission, provision, disclosure, application and other processing of the personal information of the related user are all in accordance with the regulations of related laws and regulations, necessary confidentiality measures are taken, and the customs of the public order is not violated.

In the technical scheme of the disclosure, the data acquisition, collection, storage, use, processing, transmission, provision, disclosure, application and other processing are all in accordance with the regulations of relevant laws and regulations, necessary security measures are taken, and the public order and good custom are not violated.

In the implementation process of the method, after financial business is transacted, the scanned certificate of the paper certificate can be directly filed, the certificate content is not checked in time, the real matching performance of the scanned certificate and business flow cannot be guaranteed, the consistency of the certificate and actual transaction cannot be guaranteed, the risk that the corresponding certificate is not matched in the actual transaction exists, and the risk that the certificate content is not found after being artificially tampered also exists. In addition, although related personnel can carry out post-production spot check on the documents in storage, the documents in storage are not subjected to full-coverage check, a check hole exists, and even if the documents are found out to be unmatched by spot check, certain adverse effects can be brought because of untimely finding.

The embodiment of the disclosure provides a financial service certificate checking method, which comprises the following steps: before filing an electronic scanned part obtained by scanning a paper certificate, acquiring the electronic scanned part from a management system according to a first information table, wherein the first information table is generated according to associated information generated when the electronic scanned part is uploaded to the management system, the paper certificate is generated after a user transacts financial services, and the management system is used for caching the electronic scanned part; identifying the electronic scanning piece by using a preset identification technology to obtain an identification result; obtaining the certificate information in the electronic scanning piece under the condition that the identification result represents that the identification is successful; and determining a checking result according to the voucher information and the service information, wherein the checking result is used for representing whether the paper voucher is matched with the service information, and the service information is used for representing information generated when financial services are handled.

Fig. 1 schematically illustrates an application scenario diagram of a financial transaction credential checking method, apparatus, device, medium, and program product according to an embodiment of the present disclosure.

As shown in fig. 1, the application scenario 100 according to this embodiment may include

terminal devices

101, 102, 103, a network 104, and a server 105. The network 104 serves as a medium for providing communication links between the

terminal devices

101, 102, 103 and the server 105. Network 104 may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The user may use the

terminal devices

101, 102, 103 to interact with the server 105 via the network 104 to receive or send messages or the like. The

terminal devices

101, 102, 103 may have installed thereon various communication client applications, such as financial applications, shopping applications, web browser applications, search applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only).

The

terminal devices

101, 102, 103 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop portable computers, desktop computers, and the like.

The server 105 may be a server providing various services, such as a background management server (for example only) providing support for websites browsed by users using the

terminal devices

101, 102, 103. The background management server may analyze and perform other processing on the received data such as the user request, and feed back a processing result (e.g., a webpage, information, or data obtained or generated according to the user request) to the terminal device.

It should be noted that the financial transaction credential checking method provided by the embodiment of the present disclosure may be generally executed by the server 105. Accordingly, the financial transaction credential checking device provided by the embodiments of the present disclosure may be generally disposed in the server 105. The financial transaction certificate checking method provided by the embodiment of the present disclosure may also be executed by a server or a server cluster which is different from the server 105 and can communicate with the

terminal devices

101, 102, 103 and/or the server 105. Accordingly, the financial transaction credential checking device provided by the embodiment of the present disclosure may also be disposed in a server or a server cluster different from the server 105 and capable of communicating with the

terminal devices

101, 102, 103 and/or the server 105.

The financial service certificate checking method provided by the embodiment of the disclosure can also be executed by the

terminal devices

101, 102, 103. Accordingly, the financial transaction certificate checking apparatus provided by the embodiments of the present disclosure may also be generally disposed in the

terminal devices

101, 102, and 103. The financial service certificate checking method provided by the embodiment of the present disclosure may also be executed by other terminals different from the

terminal devices

101, 102, and 103. Accordingly, the financial transaction certificate checking apparatus provided by the embodiment of the present disclosure may also be disposed in other terminals different from the

terminal devices

101, 102, and 103.

It should be understood that the number of terminal devices, networks, and servers in fig. 1 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for an implementation.

The financial transaction certificate checking method of the disclosed embodiment will be described in detail below with reference to fig. 2 to 4 based on the scenario described in fig. 1.

Fig. 2 schematically shows a flowchart of a financial transaction document checking method according to an embodiment of the present disclosure.

As shown in fig. 2, the financial transaction certificate checking method 200 of this embodiment includes operations S201 to S204.

In operation S201, before archiving an electronic scanned object obtained by scanning a paper certificate, the electronic scanned object is obtained from a management system according to a first information table, where the first information table is generated according to associated information generated when the electronic scanned object is uploaded to the management system, the paper certificate is generated after a user transacts financial services, and the management system is used to cache the electronic scanned object.

According to an embodiment of the present disclosure, a user generates a paper voucher after transacting a financial transaction. The agent scans the paper certificate to obtain an electronic scanning piece. Wherein the electronic scanning element may be an electronic image of the paper document. The agent may be understood to be a teller at a financial services network having the ability to assist the user in transacting financial services. The teller may generate the association information when uploading the electronic scan to the management system. The association information may include at least one of: uploading path information, teller information, uploading time information, financial service attribute information and the like.

For example, the financial transaction website may be a bank and the teller may be a front desk teller. The paper voucher may be a bank accounting voucher. The bank front counter generates a bank accounting certificate when assisting a user to handle business, scans the certificate to obtain an electronic scanning piece, and can click and upload the electronic scanning piece to a management system on a business system page. The electronic scanned item may be obtained from the management system before filing the electronic scanned item according to information in the first information table, such as the upload path information, or such as the upload time information and the teller information.

It should be noted that the bank accounting document can be understood as a written certificate which records the bank economic business, defines the bank economic responsibility and is used as the basis for keeping accounts in the bank accounting process, and is usually the document generated in the business process of the bank.

In operation S202, the electronic scanning component is identified by using a preset identification technology, so as to obtain an identification result.

According to an embodiment of the present disclosure, the preset recognition technology may include a smart character recognition technology. The recognition result can represent the recognition success and the recognition failure. Wherein, if the electronic scanning piece is identified, all characters in the electronic scanning piece can be identified, and then the successful identification can be represented. If the electronic scan is recognized, there are instances where the characters in the electronic scan are not recognized, then the recognition failure can be characterized.

In operation S203, in a case where it is determined that the recognition result represents that the recognition is successful, credential information in the electronic scanning piece is acquired.

According to the embodiment of the disclosure, the recognized characters in the electronic scanning piece can be converted into text information according to a preset recognition technology, and the text information is used as the certificate information in the electronic scanning piece.

In operation S204, a checking result is determined according to the credential information and the service information, where the checking result is used to represent whether the paper credential matches the service information, and the service information is used to represent information generated during handling of the financial service.

According to the embodiment of the disclosure, when a user transacts a financial transaction, service information such as running information, transaction account information and the like is generated. The certificate information acquired in operation S203 may be matched with the service information, and if the certificate information is completely matched with the service information, it may indicate that the paper certificate is consistent with the service information; if the matching is not complete, the paper voucher and the business information are not completely matched.

According to an embodiment of the present disclosure, the electronic scanned item obtained by scanning the paper certificate is acquired from the management system according to the first information table before filing the electronic scanned item. And acquiring the certificate information in the electronic scanning piece under the condition that the electronic scanning piece is successfully identified. And determining a checking result for representing whether the paper certificate is matched with the business information or not according to the certificate information and the business information. The checking of the electronic scanning piece obtained by scanning the paper voucher is finished before the filing is not finished, and whether the electronic scanning piece conforms to the actual transaction is checked in real time, so that the risk that the electronic scanning piece is not found after the voucher content is artificially tampered is avoided, and the flow and the checking efficiency of the electronic scanning piece after the filing are optimized.

Fig. 3 schematically illustrates a flow chart of a method for obtaining an electronic scan from a management system according to a first table of information before archiving an electronic scan derived from a scanned paper voucher, in accordance with an embodiment of the present disclosure.

As shown in fig. 3, the method 300 of acquiring an electronic scanned article from a management system according to the first information table before archiving the electronic scanned article obtained by scanning the paper-based voucher of this embodiment may include operations S301 to S303.

In operation S301, the scan element index information table is queried at preset time intervals.

According to an embodiment of the present disclosure, the preset time interval may be determined according to the efficiency of checking actually required. The scanned article index information table may be a scanned article index information table generated from index information of electronic scanned articles that have been checked and uploaded to the management system.

For example, the preset time interval may be an interval time in seconds. The scanning member index information table can comprise financial service institutions, tellers, financial service transaction dates, electronic scanning member uploading paths, serial numbers and the like.

According to the embodiment of the disclosure, the scanning member index information table can be identified by using the identification service of the identification technology, and the identification result is recorded. And inquiring the scanning member index information table according to a preset time interval, wherein the record with the unrecognized state and the record with the recognized state can be inquired.

In operation S302, records in the scan element index information table whose status is unidentified are sorted out.

According to the embodiment of the present disclosure, the records with the unidentified state and the records with the identified state, which are inquired in the scan index information table, may be inquired according to operation S301, and the records with the unidentified state are screened out.

In operation S303, the electronic scanning member is acquired from the management system based on the first information table described in the record whose status is unidentified.

According to an embodiment of the present disclosure, a first information table is described in a record whose status is unidentified. The first information table may include, for example, upload path information, teller information, upload time information, financial transaction attribute information, and the like. The electronic scanning member may be acquired from a management system based on the information in the first information table.

According to the embodiment of the disclosure, the scanning piece index information is inquired according to the preset time interval, the records with unidentified states are screened, and the electronic scanning piece is obtained according to the recorded first information table, so that the identified records are prevented from being processed again and checked subsequently, and the electronic scanning piece which is not checked is guaranteed to be checked effectively.

According to an embodiment of the present disclosure, the first information table may include upload path information of the electronic scanning part.

Wherein acquiring the electronic scanning unit from the management system based on the first information table recorded in the record whose status is unidentified may include: determining the storage position information of the electronic scanning piece by using the uploading path information of the electronic scanning piece; and obtaining the electronic scanning piece according to the storage position information.

According to the embodiment of the disclosure, the electronic scanning piece is called according to the determined storage position information. The consistency of the obtained electronic scanning piece and the electronic scanning piece uploaded to the management system is ensured, and the quality of checking is improved.

Fig. 4 schematically illustrates a flow chart of a method for obtaining an electronic scan from a management system according to a first table of information before archiving the electronic scan obtained from a scanned paper voucher, in accordance with another embodiment of the present disclosure.

As shown in fig. 4, the method of acquiring an electronic scanned material from a management system according to the first information table before archiving the electronic scanned material obtained by scanning the paper-based certificate in this embodiment may include operations S401 to S402 in addition to operations S301 to S303 described above.

In operation S401, after receiving a request message from an external system, the request message is analyzed to obtain transaction information corresponding to different fields.

According to an embodiment of the present disclosure, the external system may include a financial transaction system. The request message may be generated based on a request for archiving the electronic scan after the electronic scan is checked.

According to embodiments of the present disclosure, the transaction information may include at least one of: the system comprises a transaction mechanism, a teller, a transaction date, a scanning piece uploading path and a serial number.

In operation S402, transaction information corresponding to different fields is stored in the scan element index information table.

According to the embodiment of the present disclosure, the transaction information respectively corresponding to the different fields obtained in operation S401 may be stored in the scan piece index information table.

According to the embodiment of the disclosure, the obtained transaction information is stored in the scanning piece index information table by analyzing the request message from the external system, so that the scanning piece index information can be inquired, the records with unidentified states can be screened, and the electronic scanning piece can be obtained according to the recorded first information table.

According to an embodiment of the present disclosure, the preset recognition technology may include a smart character recognition technology.

In a case that it is determined that the identification result represents that the identification is successful, obtaining credential information in the electronic scanning component may include: identifying the constituent elements in the electronic scanning part by using an intelligent character identification technology to obtain text information corresponding to the constituent elements; and determining credential information based on the text information.

According to the embodiment of the disclosure, the paper voucher may include component element information such as a transaction account number, a transaction amount, a transaction number, a serial number, and a transaction date, and after the paper voucher is scanned into an electronic scanning piece, the component element information needs to be identified and extracted to be acquired.

According to the embodiment of the disclosure, under the condition that the electronic scanning piece can be identified, an intelligent character identification technology is introduced, the corresponding text information is extracted after the component elements in the electronic scanning piece are identified, the certificate information determined in this way is used for comparing and checking with the business information generated when the financial business is handled, the in-business checking of the electronic scanning piece is completed, the electronic scanning piece is ensured to be consistent with the actual business information, and the risk that the certificate content is not found after being artificially tampered is avoided.

According to the embodiment of the present disclosure, determining the checking result according to the credential information and the service information may include: comparing the certificate information with the service information one by one to obtain N comparison results, wherein N is an integer greater than or equal to 1; under the condition that the N comparison results are determined to be consistent with the representation information, determining that the checking result is that the paper certificate is matched with the service information; and under the condition that the characterization information is determined to be inconsistent in the N comparison results, determining that the checking result is that the paper certificate is not matched with the service information.

According to an embodiment of the present disclosure, the business information may be information generated when transacting a financial business. After receiving a request for transacting the business by the financial business system, the information message can be generated, and the business information can be obtained by analyzing the information message. The business information may include a transaction account number, transaction amount, transaction number, serial number, transaction date, etc.

According to the embodiment of the disclosure, the certificate information and the service information are compared one by one, and the fact that the paper certificate and the actual service information are in real conformity can be proved only under the condition that the certificate information is completely consistent with the service information, so that the risk that the certificate content is not found after being artificially tampered is avoided.

According to an embodiment of the present disclosure, the first information table may further include time information of paper voucher generation.

The financial service certificate checking method can further comprise the following steps: determining the scanning time of the electronic scanning piece according to the time information generated by the paper certificate; and acquiring the associated information in real time according to the scanning time.

According to the embodiment of the disclosure, after the user transacts financial business, the paper certificate is generated, and the teller can scan the paper certificate in real time to obtain the electronic scanning piece, so that the scanning time of the electronic scanning piece can be determined according to the time of the paper certificate. And acquiring the associated information in real time according to the scanning time for generating a first information table.

According to the embodiment of the disclosure, before the electronic scanning piece obtained by scanning the paper certificate is filed, the electronic scanning piece is obtained from the management system in real time according to the first information table, all the electronic scanning pieces can be checked by using the financial business certificate checking method, the flow of auditing check after the electronic scanning piece is filed and the efficiency of auditing check are optimized, manpower and material resources for auditing check are saved, and the problem that even though the certificate is found out to be unmatched by spot check in the auditing check, certain adverse effects are possibly caused because the certificate is not found out in time is avoided.

According to an embodiment of the present disclosure, the financial service credential checking method may further include: under the condition that the identification result representing identification is not successful, obtaining a matching result obtained by a third party, wherein the matching result is determined by directly matching the electronic scanning piece and the service information; and determining a checking result according to the matching result.

According to the embodiment of the disclosure, the electronic scanning piece can be identified, and if the characters in the electronic scanning piece are not identified, the unsuccessful identification can be represented. The third party can be a person in charge of manual checking, and can carry out one-to-one comparison and matching according to the acquired electronic scanning piece and the service information, and if the electronic scanning piece and the service information are completely matched, a matching result with consistent matching is obtained; and if the matching is not complete, obtaining a matching result with inconsistent matching. And obtaining a checking result for representing the matching of the paper certificate and the service information according to the matching result which is consistent in matching. And obtaining a checking result used for representing that the paper voucher is not matched with the service information according to the matching result with inconsistent matching.

According to the embodiment of the disclosure, the checking result is determined by means of the matching result obtained by the third party, so that the electronic scanning piece which is not identified is also checked, and the problem of successful non-identification caused by the influence of objective factors when the paper certificate is scanned is avoided.

According to the embodiment of the disclosure, the financial service certificate checking method can be utilized, and under the condition that the checking result used for representing that the paper certificate is not matched with the service information is obtained, the electronic scanning piece corresponding to the paper certificate can be marked without warehousing treatment, so that the subsequent further treatment of the paper certificate which is not checked to pass is facilitated.

Based on the financial service certificate checking method, the disclosure also provides a financial service certificate checking device. The apparatus will be described in detail below with reference to fig. 5.

Fig. 5 schematically shows a block diagram of a financial transaction certificate checking apparatus according to an embodiment of the present disclosure.

As shown in fig. 5, the financial transaction certificate checking apparatus 500 of this embodiment includes a first obtaining module 510, an identifying module 520, a second obtaining module 530, and a first determining module 540.

The first obtaining module 510 is configured to, before filing the electronic scanned part obtained by scanning the paper voucher, obtain the electronic scanned part from the management system according to a first information table, where the first information table is generated according to associated information generated when the electronic scanned part is uploaded to the management system, the paper voucher is generated after the user transacts financial services, and the management system is configured to cache the electronic scanned part. In an embodiment, the first obtaining module 510 may be configured to perform the operation S201 described above, which is not described herein again.

The identification module 520 is configured to identify the electronic scanning component by using a preset identification technology to obtain an identification result. In an embodiment, the identifying module 520 may be configured to perform the operation S202 described above, which is not described herein again.

The second obtaining module 530 is configured to obtain the credential information in the electronic scanning component if it is determined that the identification result represents that the identification is successful. In an embodiment, the second obtaining module 530 may be configured to perform the operation S203 described above, which is not described herein again.

The first determining module 540 is configured to determine a checking result according to the credential information and the service information, where the checking result is used to represent whether the paper credential matches the service information, and the service information is used to represent information generated during handling of the financial service. In an embodiment, the first determining module 540 may be configured to perform the operation S204 described above, and is not described herein again.

According to an embodiment of the present disclosure, the financial transaction credential checking device 500 may further include a third obtaining module and a second determining module.

And the third acquisition module is used for acquiring a matching result obtained by a third party under the condition that the characterization and identification of the identification result are not successful, wherein the matching result is determined by directly matching the electronic scanning piece and the service information.

And the second determining module is used for determining the checking result according to the matching result.

According to an embodiment of the present disclosure, the financial transaction credential checking device 500 may further include a third determining module and a fourth obtaining module.

And the third determining module is used for determining the scanning time of the electronic scanning piece according to the time information generated by the paper voucher.

And the fourth acquisition module is used for acquiring the associated information in real time according to the scanning time.

According to an embodiment of the present disclosure, any plurality of the first obtaining module 510, the identifying module 520, the second obtaining module 530, and the first determining module 540 may be combined and implemented in one module, or any one of them may be split into a plurality of modules. Alternatively, at least part of the functionality of one or more of these modules may be combined with at least part of the functionality of the other modules and implemented in one module. According to an embodiment of the present disclosure, at least one of the first obtaining module 510, the identifying module 520, the second obtaining module 530, and the first determining module 540 may be implemented at least partially as a hardware circuit, such as a Field Programmable Gate Array (FPGA), a Programmable Logic Array (PLA), a system on a chip, a system on a substrate, a system on a package, an Application Specific Integrated Circuit (ASIC), or may be implemented in hardware or firmware in any other reasonable manner of integrating or packaging a circuit, or may be implemented in any one of three implementations of software, hardware, and firmware, or in a suitable combination of any of them. Alternatively, at least one of the first obtaining module 510, the identifying module 520, the second obtaining module 530 and the first determining module 540 may be at least partially implemented as a computer program module, which when executed, may perform a corresponding function.

According to the financial business certificate checking device provided by the disclosure, before the electronic scanned part obtained by scanning the paper certificate is filed, the electronic scanned part is obtained from the management system according to the first information table. And acquiring the certificate information in the electronic scanning piece under the condition that the electronic scanning piece is successfully identified. And determining a checking result for representing whether the paper certificate is matched with the business information or not according to the certificate information and the business information. The checking of the electronic scanning piece obtained by scanning the paper voucher is finished before the filing is not finished, and whether the electronic scanning piece conforms to the actual transaction is checked in real time, so that the risk that the electronic scanning piece is not found after the voucher content is artificially tampered is avoided, and the flow and the checking efficiency of the electronic scanning piece after the filing are optimized.

As shown in fig. 6, an electronic device 600 according to an embodiment of the present disclosure includes a processor 601, which can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 602 or a program loaded from a storage section 608 into a Random Access Memory (RAM) 603. Processor 601 may include, for example, a general purpose microprocessor (e.g., a CPU), an instruction set processor and/or associated chipset, and/or a special purpose microprocessor (e.g., an Application Specific Integrated Circuit (ASIC)), among others. The processor 601 may also include onboard memory for caching purposes. Processor 601 may include a single processing unit or multiple processing units for performing different actions of a method flow according to embodiments of the disclosure.

In the RAM 603, various programs and data necessary for the operation of the electronic apparatus 600 are stored. The processor 601, the ROM602, and the RAM 603 are connected to each other via a bus 604. The processor 601 performs various operations of the method flows according to the embodiments of the present disclosure by executing programs in the ROM602 and/or RAM 603. It is to be noted that the programs may also be stored in one or more memories other than the ROM602 and RAM 603. The processor 601 may also perform various operations of the method flows according to embodiments of the present disclosure by executing programs stored in the one or more memories.

Electronic device 600 may also include input/output (I/O) interface 605, input/output (I/O) interface 605 also connected to bus 604, according to an embodiment of the present disclosure. The electronic device 600 may also include one or more of the following components connected to the I/O interface 605: an input portion 606 including a keyboard, a mouse, and the like; an output portion 607 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, and a speaker; a storage section 608 including a hard disk and the like; and a communication section 609 including a network interface card such as a LAN card, a modem, or the like. The communication section 609 performs communication processing via a network such as the internet. A driver 610 is also connected to the I/O interface 605 as needed. A removable medium 611 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 610 as necessary, so that a computer program read out therefrom is mounted in the storage section 608 as necessary.

The present disclosure also provides a computer-readable storage medium, which may be contained in the apparatus/device/system described in the above embodiments; or may exist separately and not be assembled into the device/apparatus/system. The computer-readable storage medium carries one or more programs which, when executed, implement the method according to an embodiment of the disclosure.

According to embodiments of the present disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, which may include, for example but is not limited to: a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. For example, according to embodiments of the present disclosure, a computer-readable storage medium may include the ROM602 and/or RAM 603 described above and/or one or more memories other than the ROM602 and RAM 603.

Embodiments of the present disclosure also include a computer program product comprising a computer program containing program code for performing the method illustrated in the flow chart. When the computer program product runs in a computer system, the program code is used for causing the computer system to realize the method provided by the embodiment of the disclosure.

The computer program performs the above-described functions defined in the system/apparatus of the embodiments of the present disclosure when executed by the processor 601. The above described systems, devices, modules, units, etc. may be implemented by computer program modules according to embodiments of the present disclosure.

In one embodiment, the computer program may be hosted on a tangible storage medium such as an optical storage device, a magnetic storage device, or the like. In another embodiment, the computer program may also be transmitted, distributed in the form of a signal on a network medium, downloaded and installed through the communication section 609, and/or installed from the removable medium 611. The computer program containing program code may be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination of the foregoing.

In such an embodiment, the computer program may be downloaded and installed from a network through the communication section 609, and/or installed from the removable medium 611. The computer program, when executed by the processor 601, performs the above-described functions defined in the system of the embodiments of the present disclosure. The systems, devices, apparatuses, modules, units, etc. described above may be implemented by computer program modules according to embodiments of the present disclosure.

In accordance with embodiments of the present disclosure, program code for executing computer programs provided by embodiments of the present disclosure may be written in any combination of one or more programming languages, and in particular, these computer programs may be implemented using high level procedural and/or object oriented programming languages, and/or assembly/machine languages. The programming language includes, but is not limited to, programming languages such as Java, C + +, python, the "C" language, or the like. The program code may execute entirely on the user computing device, partly on the user device, partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

Those skilled in the art will appreciate that various combinations and/or combinations of features recited in the various embodiments and/or claims of the present disclosure can be made, even if such combinations or combinations are not expressly recited in the present disclosure. In particular, various combinations and/or combinations of the features recited in the various embodiments of the present disclosure and/or the claims may be made without departing from the spirit and teachings of the present disclosure. All such combinations and/or associations are within the scope of the present disclosure.

The embodiments of the present disclosure have been described above. However, these examples are for illustrative purposes only and are not intended to limit the scope of the present disclosure. Although the embodiments are described separately above, this does not mean that the measures in the embodiments cannot be used in advantageous combination. The scope of the disclosure is defined by the appended claims and equivalents thereof. Various alternatives and modifications can be devised by those skilled in the art without departing from the scope of the disclosure, and these alternatives and modifications are intended to fall within the scope of the disclosure.

Claims

1. A financial service certificate checking method comprises the following steps:

and determining a checking result according to the certificate information and the service information, wherein the checking result is used for representing whether the paper certificate is matched with the service information, and the service information is used for representing information generated when the financial service is transacted.

2. The method of claim 1, wherein said obtaining an electronic scan from a management system prior to archiving the electronic scan derived from the scanned paper voucher based on the first table of information comprises:

screening records of which the states are unidentified in the scanning piece index information table; and

and acquiring the electronic scanning piece from the management system according to the first information table recorded in the record of which the state is unidentified.

3. The method of claim 2, wherein the first information table includes upload path information of the electronic scanning part;

acquiring the electronic scanning component from the management system according to the first information table recorded in the record of which the state is unidentified, the method comprising:

determining storage position information of the electronic scanning piece by using the uploading path information of the electronic scanning piece; and

4. The method of claim 2, further comprising:

and storing the transaction information respectively corresponding to the different fields into the scanning piece index information table.

5. The method of claim 4, wherein the transaction information comprises at least one of: transaction institution, teller, transaction date, scanning piece upload path, serial number.

6. The method according to any one of claims 1 to 5, wherein the predetermined recognition technique comprises a smart character recognition technique;

the obtaining of the credential information in the electronic scanning component in the case that it is determined that the identification result represents that the identification is successful includes:

identifying the component elements in the electronic scanning part by using the intelligent character identification technology to obtain text information corresponding to the component elements; and

and determining the credential information according to the text information.

7. The method of claim 1, wherein the determining a check result according to the credential information and the service information comprises:

comparing the certificate information with the service information one by one to obtain N comparison results, wherein N is an integer greater than or equal to 1;

under the condition that the characterization information of all the N comparison results is consistent, determining that the checking result is that the paper certificate is matched with the business information; and

and under the condition that the characterization information in the N comparison results is determined to be inconsistent, determining that the checking result is that the paper certificate is not matched with the service information.

8. The method of claim 3, wherein the first information table further includes time information of the paper voucher generation,

the method further comprises the following steps:

determining the scanning time of the electronic scanning piece according to the time information generated by the paper voucher; and

9. The method of claim 1 or 8, further comprising:

under the condition that the identification result is determined to represent that the identification is not successful, obtaining a matching result obtained by a third party, wherein the matching result is determined by directly matching the electronic scanning piece and the service information; and

and determining the checking result according to the matching result.

10. A financial transaction credential checking device comprising:

the system comprises a first acquisition module, a first management module and a second acquisition module, wherein the first acquisition module is used for acquiring an electronic scanning piece from a management system according to a first information table before filing the electronic scanning piece obtained by scanning a paper certificate, the first information table is generated according to associated information generated when the electronic scanning piece is uploaded to the management system, the paper certificate is generated after a user transacts financial services, and the management system is used for caching the electronic scanning piece;

and the first determining module is used for determining a checking result according to the certificate information and the service information, wherein the checking result is used for representing whether the paper certificate is matched with the service information, and the service information is used for representing information generated when the financial service is transacted.

11. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

wherein the one or more programs, when executed by the one or more processors, cause the one or more processors to perform the method of any of claims 1-9.

12. A computer readable storage medium having stored thereon executable instructions which, when executed by a processor, cause the processor to perform the method according to any one of claims 1 to 9.

13. A computer program product comprising a computer program which, when executed by a processor, implements the method according to any one of claims 1 to 9.