人行个人信用报告OCR解析-深源恒际科技有限公司

商品详情

• 准确率高：字段准确率高达99%以上
• 全字段结构化：支持人行征信版全字段结构化输出
• 极速响应：单页识别时间<3S
• 结构化信息、包含个人基本信息、信息概要、信贷交易信息明细、公共信息明细、查询记录

注意事项：
1代、2代征信报告接口上传的请求参数为：urlencode格式的PDF版征信报告的base64编码数据；
授信机构版征信报告接口上传的请求参数为：urlencode格式的HTML版征信报告的base64编码数据。
因商城限制，上传的请求数据大小不超过2M，如超过2M，可联系客服解决。
具体调试方式与编码转译，可下载参考使用指南。


简介：在处理借贷业务时，信贷机构会通过用户既往信用记录分析、判断用户还款意愿，以便预见性地规避风险、减小坏账率。然而，由于征信信息涉及个人隐私，央行征信中心不面向第三方机构开放征信数据，同时，在复杂的竞合关系下，各信贷平台也常常对打通信息孤岛共享数据持观望态度，导致信贷机构获取用户信用信息的门槛相对较高。目前，办理贷款业务时，信贷机构只能在获得用户授权的情况下从央行征信中心调用征信报告，以便获得用户信用信息。拿到报告后，需要通过人工方式把核心信息一一录入风控模型，用于分析、评估潜在风险，进而作出相应决策。
问题在于，人工录入作业量大、相对耗时，难免影响贷款审批效率，造成意向客户的流失；抑或为实现快速放款，业务部门处理征信数据时删繁就简，因疏漏或主观判断造成风险评估不够精准。
基于这一现状，深源恒际推出征信报告信息结构化提取解决方案，帮助借贷平台提升服务效率、降低人力成本。基于OCR识别技术，结合专项训练和自适应提取方法，深源恒际开发了征信报告专用识别模型，可自动识别、提取征信报告上的文字信息，并输出结构化文本，实现信息采录自动化。
在实际应用场景下，会出现诸多干扰识别效果的因素，如文本不清晰、旋转畸变等。测试数据显示，基于OCR完成整份征信报告的识别录入，用时约为20s-30s；而人工录入整份报告耗时约1-2小时，作业效率大幅提升。另外，在识别精度上，算法模型的字段准确率已达99%。
OCR技术在信贷业务中的应用，实现了征信报告识别录入自动化，优化业务流程的同时，也提升了业务处理效率，让信贷服务能够更加高效、便捷地触达用户。

• 征信报告人行明细版识别

http(s)://dfcreditpdf.apistore.huaweicloud.com/pdf_credit_report

POST

JSON

API调用方法

无参数

无参数

请求体输入：“image_base64=” + “urlencode格式的PDF版征信报告的base64编码数据” 【示例：image_base64=%2F9j%2F4AAQSkZJRgABAQEAYABgAAD%2F4RD0RXhpZgAATU0A······(很长）】【注意：PDF大小不超过2M】

{ "serialNo": "报告编号", "askAt": "查询请求时间", "createAt": "报告时间", "whoWasChecked": "被查询者姓名", "idType": "被查询者证件类型", "idNum": "被查询者证件号码", "organization": "查询操作机构", "operator": "查询操作人", "reason": "查询原因", "profile": { "gender": "性别", "genderOrganization": "性别数据发生机构名称", "birthday": "出生日期", "birthdayOrganization": "出生日期数据发生机构名称", "isMarried": "婚姻状况", "isMarriedOrganization": "婚姻状况数据发生机构名称", "mobile": "手机号码", "mobileOrganization": "手机号码数据发生机构名称", "officeTel": "单位电话", "officeTelOrganization": "单位电话数据发生机构名称", "homeTel": "住宅电话", "homeTelOrganization": "住宅电话数据发生机构名称", "education": "学历", "educationOrganization": "学历数据发生机构名称", "qualification": "学位", "qualificationOrganization": "学位数据发生机构名称", "postAddr": "通讯地址", "postAddrOrganization": "通讯地址数据发生机构名称", "registerAddr": "户籍地址", "registerAddrOrganization": "户籍地址数据发生机构名称", "connubialInfo": { "name": "姓名", "idType": "证件类型", "idNum": "证件号码", "compony": "工作单位", "tel": "联系电话", "connubialInfoOrganization": "配偶信息数据发生机构名称" }, "livedInfos": [{ "address": "居住地址", "status": "居住状况", "updateAt": "信息更新日期", "livedInfosOrganization": "居住信息数据发生机构名称" }], "experiences": [{ "no": "编号", "company": "工作单位", "address": "单位地址", "jobNature": "职业", "industry": "行业", "title": "职务", "level": "职称", "startedAt": "进入本单位年份", "updateAt": "信息更新日期", "experiencesOrganization": "职业信息数据机构名称" }] }, "creditInfo": { "houseLoansNum": "个人住房贷款笔数", "commercialHouseLoansNum": "个人商用房(包括商住两用)贷款笔数", "otherLoansNum": "其他贷款笔数", "firstLoanGotAt": "首笔贷款发放月份", "creditCardsNum": "贷记卡账户数", "firstCreditCardGotAt": "首张贷记卡发卡月份", "quasiCardsNum": "准贷记卡账户数", "firstQuasiCardGotAt": "首张准贷记卡发卡月份", "selfDeclaredNum": "本人声明数目", "objectionLabelNum": "异议标注数目" }, "overdueBreachOutline": { "badDebtsNumber": "呆账信息汇总笔数", "badDebtsBalance": "呆账信息汇总余额", "assetsDisposalNumber": "资产处置信息汇总笔数", "assetsDisposalBalance": "资产处置信息汇总余额", "guarantorCompensationNumber": "保证人代偿信息汇总笔数", "guarantorCompensationBalance": "保证人代偿信息汇总余额" }, "overDueInfoCollection": { "loanNum": "贷款逾期笔数", "loanMonth": "贷款逾期月份数", "loanMaxAmount": "贷款逾期单月最高逾期总额", "loanMaxMonths": "贷款逾期最长逾期月数", "crdCardAccounts": "贷记卡逾期账户数", "crdCardMonth": "贷记卡逾期月份数", "crdCardMaxAmount": "贷记卡逾期单月最高逾期总额", "crdCardMaxMonths": "贷记卡逾期最长逾期月数", "qcCardAccounts": "准贷记卡60天以上透支账户数", "qcCardMonth": "准贷记卡60天以上透支月份数", "qcCardMaxAmount": "准贷记卡60天以上透支单月最高透支余额", "qcCardMaxMonths": "准贷记卡60天以上透支最长透支月数" }, "noPayedInfoCollection": { "companys": "贷款法人机构数", "organizations": "贷款机构数", "num": "笔数", "amount": "合同总额", "surplusAmount": "余额", "avg6monthPay": "最近6个月平均应还款" }, "destroyedCrtCardCollection": { "companys": "发卡法人机构数", "organizations": "发卡机构数", "accounts": "账户数", "amount": "授信总额", "maxAmount": "单家行最高授信额", "leastAmount": "单家行最低授信额", "usedAmount": "已用额度", "avg6monthPay": "最近6个月平均使用额度" }, "noDestroyedQuasiCrtCardCollection": { "companys": "发卡法人机构数", "organizations": "发卡机构数", "accounts": "账户数", "amount": "授信总额", "maxAmount": "单家行最高授信额", "leastAmount": "单家行最低授信额", "surplusAmount": "透支余额", "avg6monthOverdraft": "最近6个月平均透支余额" }, "guaranteeCollection": { "count": "担保笔数", "amount": "担保金额", "balance": "担保本金余额" }, "assetsDisposal":[{ "no": "编号", "assetsCompany": "资产管理公司", "debtReceiveDate": "债务接收日期", "debtAmount": "接收的债权金额", "latestRepayDate": "最近一次还款日期", "balance": "余额" }], "assurerRepayInfos": [{ "no": "编号", "organName": "代偿机构", "latestAssurerRepayDate": "最近一次代偿日期", "money": "累计代偿金额", "latestRepayDate": "最近一次还款日期", "balance": "余额" }], "loans": [{ "serialNo": "编号", "businessNo": "业务号", "organization": "贷款发放机构", "amount": "贷款金额", "currency": "币种", "periods": "贷款期数", "rate": "还款频率", "type": "贷款类型", "guarantee": "担保方式", "startAt": "发放日期", "endAt": "到期日期", "finAt": "截至日期", "startRt": "开始还款日期", "endRt": "结束还款日期", "status": "账户状态", "category": "五级分类", "balance": "本金余额", "surplusPaymentNum": "剩余还款期数", "scheduledPayment": "本月应还款", "scheduledPayAt": "应还款日", "currPayed": "本月实还款", "lastPayedAt": "最近一次还款日期", "currOverduePeriods": "当前逾期期数", "currOverdue": "当前逾期金额", "overdue31Tp60": "逾期31-60天未还本金", "overdue61Tp90": "逾期61－90天未还本金", "overdue91Tp180": "逾期91－180天未还本金", "overdue180": "逾期180天以上未还本金", "last24Status": "最近24个月还款记录", "overdueRecordSummary": { "startAt": "开始日期", "endAt": "结束日期", "records ": [{ "overdueMonth": "逾期月份", "overdueMonthsNum": "逾期持续月数", "amount": "逾期金额" }] }, "speBusinesses": [{ "type": "特殊交易类型", "startAt": "发生日期", "changeMonths": "变更月数", "amount": "发生金额", "detail": "明细记录" }] }], "creditCards": [{ "serialNo": "编号", "businessNo": "业务号", "organization": "发卡机构", "amount": "授信额度金额", "amountType": "授信额度", "sharedAmount": "共享授信额度金额", "sharedAmountType": "共享授信额度", "accountCategory": "账户类型", "guarantee": "担保方式", "startAt": "发卡日期", "finAt": "截至日期", "status": "账户状态", "used": "已用额度", "avgUsed6Months": "最近6个月平均使用额度", "maxAmount": "最大使用额度", "scheduledPayed": "本月应还款", "payAt": "账单日", "payed": "本月实还款", "lastPayedAt": "最近一次还款日期", "currOverduePeriods": "当前逾期期数", "currOverdue": "当前逾期金额", "balance": "当前余额", "last24Status": "最近24个月还款记录", "overdueRecordSummary": { "startAt": "开始日期", "endAt": "结束日期", "records ": [{ "overdueMonth": "逾期月份", "overdueMonthsNum": "逾期持续月数", "amount": "逾期金额" }] }, "speBusinesses": [{ "type": "特殊交易类型", "startAt": "发生日期", "changeMonths": "变更月数", "amount": "发生金额", "detail": "明细记录" }] }], "quasiCreditCards": [{ "serialNo": "编号", "businessNo": "业务号", "organization": "发卡机构", "amount": "授信额度金额", "amountType": "授信额度", "sharedAmount": "共享授信额度金额", "sharedAmountType": "共享授信额度", "accountCategory": "账号种类", "startAt": "发卡日期", "finAt": "截至日期", "status": "账户状态", "surplusOverdraft": "透支余额", "avgSurOver6Months": "最近6个月平均透支余额", "maxSurplusOverdraft": "最大透支余额", "payAt": "账单日", "payed": "本月实还款", "lastPayedAt": "最近一次还款日期", "noPayedOver180": "透支180天以上未付余额", "last24Status": "最近24个月还款记录", "overdraftRecordSummary": { "startAt": "开始日期", "endAt": "结束日期", "records": [{ "month": "透支月份", "keepMonths": "透支持续月数", "amount": "透支金额" }] } }], "loanGuaranteeInfos": [{ "id": "编号", "organization": "担保贷款发放机构", "amount": "担保贷款合同金额", "gotAt": "担保贷款发放日期", "expireAt": "担保贷款到期日期", "guaranteeAmount": "担保金额", "balance": "担保贷款本金余额", "category": "担保贷款五级分类", "payAt": "应还款日"， "guarantorName": "被担保人姓名", "guarantorIdType": "被担保人证件类型", "guarantorId": "被担保人证件号码" }], "creditCardGuaranteeInfos": [{ "id": "编号", "organization": "担保信用卡发放机构", "amount": "担保信用卡授信额度", "gotAt": "担保信用卡发卡日期", "guaranteeAmount": "担保金额", "used": "担保信用卡已用额度", "payAt": "账单日" }], "owedTaxesRecord": [{ "no": "编号", "competentTaxAuthorities": "主管税务机关", "taxesTotal": "欠税总额", "taxRegistrationDate": "欠税统计日期" }], "civilJudgmentRecord": [{ "no": "编号", "court": "立案法院", "caseReason": "案由", "registerDate": "立案日期", "closedType": "结案方式", "sentenceResult": "判决/调解结果", "sentenceResultDate": "判决/调解生效日期", "actionObject": "诉讼标的", "actionObjectMoney": "诉讼标的金额" }], "forceExecutions": [{ "no": "编号", "court": "执行法院", "caseReason": "执行案由", "registerDate": "立案日期", "closedType": "结案方式", "caseState": "案件状态", "closedDate": "结案日期", "enforceObject": "申请执行标的", "enforceObjectMoney": "申请执行标的价值", "alreadyEnforceObject": "已执行标的", "alreadyEnforceObjectMoney": "已执行标的金额" }], "administrativePenaltyRecord": [{ "no": "编号", "punishmentOrganization": "处罚机构", "punishmentContent": "处罚内容", "punishmentAmount": "处罚金额", "effectDate": "生效日期", "closeDate": "截止日期", "administrationReviewOrg": "行政复议结果" }], "houseFundPayedRecord": [{ "no": "编号", "address": "参缴地", "payAt": "参缴日期", "firstPayedAt": "初缴月份", "lastPayedAt": "缴至月份", "status": "缴费状态", "amount": "月缴存额", "personalPercent": "个人缴存比例", "componyPercent": "单位缴存比例", "compony": "缴费单位", "updateAt": "信息更新日期" }], "socialSecuritys": [{ "no": "编号", "ginsengto": "参保地", "insuredDate": "参保日期", "countMonth": "累计缴费月数", "jobMonth": "参加工作月份", "status": "缴费状态", "personageCostNumber": "个人缴费基数", "monthAmount": "本月缴费金额", "messageUpdateDate": "信息更新日期", "unit": "缴费单位", "cause": "中断或终止缴费原因" }], "subsistenceAllowanceRecord": [{ "no": "编号", "personType": "人员类别", "location": "所在地", "company": "工作单位", "familyMonthlyIncome": "家庭月收入", "applicationDate": "申请日期", "approvalDate": "批准日期", "updateDate": "信息更新日期" }], "competenceRecordInfos": [{ "no": "编号", "competencyname": "执业资格名称", "grade": "等级", "awarddate": "获得日期", "enddate": "到期日期", "revokedate": "吊销日期", "organname": "颁发机构", "area": "机构所在地" }], "administrativeRewardRecord": [{ "no": "编号", "rewardOrganization": "奖励机构", "rewardContent": "奖励内容", "effectDate": "生效日期", "closeDate": "截止日期" }], "carTradeOrPledges": [{ "no": "编号", "licensecode": "车牌号码", "enginecode": "发动机号", "brand": "品牌", "cartype": "车辆类型", "usecharacter": "使用性质", "state": "车辆状态", "pledgeflag": "抵押标记", "gettime": "信息更新日期" }], "telRecord": [{ "no": "编号", "companyNo": "电信运营商", "busiType": "业务类型", "openDate": "业务开通日期", "status": "当前缴费状态", "oweMoney": "当前欠费金额", "oweNum": "当前欠费月数", "acctDate": "记账年月", "pay24Months": "最近24个月缴费记录" }], "checkedRecord": { "lastMonthLoanCheckOrgs": "最近1个月内的贷款审批查询机构数", "lastMonthCardCheckOrgs": "最近1个月内的信用卡审批查询机构数", "lastMonthLoanCheck": "最近1个月内的贷款审批查询次数", "lastMonthCardCheck": "最近1个月内的信用卡审批查询次数", "lastMonthCheckBySelf": "最近1个月内的本人查询次数", "last2YearsAfterLoaned": "最近2年内的贷后管理查询次数", "last2YearsQualificationCheck": "最近2年内的担保资格审查查询次数", "last2YearsVIPNameCheck": "最近2年内的特约商户实名审查查询次数" }, "checkDetails": [{ "no": "编号", "checkedAt": "查询日期", "operator": "查询操作员", "reason": "查询原因" }], "querySelfRecordDetail": [{ "no": "编号", "queryDate": "查询日期", "queryOperator": "查询操作员", "queryReason": "查询原因" }] }

{ "status": "INVALID_ARGUMENT", "reason": "base64 file can't be empty", "request_id": "TID8bf47ab6eda64476973cc5f5b6ebf57e" }

商品定价

用户案例

客户公司简介：济南曜派信息科技有限公司于2017年底在泉城济南成立，简称“曜派科技”。是一家致力于大数据、云计算、人工智能、机器学习、区块链等前沿技术在金融领域创新和应用的科技服务型企业、双软认证企业。公司核心系统产品以“五曜”古称命名，目前已研发上线的有：“启明”智能信贷系统、“重华”智能金融综合服务平台、“安周”智能决策引擎、以及“镇星”金融风险智能监管平台。

客户声音：一份20页左右的征信报告一般包括2000个左右的字段，人工录入成本为 0.5人天/份报告，按照北京地区的人力成本约130元/份，但机器的录入成本是人力的1/10，此外人工录入一份报告的时间需要3~5个小时，机器只需要1~2分钟。一台机器可以不眠不休，一天可以处理1440份报告，相当于720个人的工作量。

客户企业规模：50-100人

服务故事（简化版）：以个人信用报告为例，个人信用报告分为本人版与授信机构版。其中，本人版是指用户本人通过征信中心临柜申请或通过互联网在线申请等途径查询到个人信用报告，提供给授信机构的文档形式多为纸质版扫描件或电子文档；针对本人版个人信用报告的智能解析，主要是基于OCR技术对所识别、提取的文字信息进行结构化输出的过程，最终返回JSON格式的结构化文本，向智能风控系统输入有效信息，为风险把控提供重要参考。

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