{"id":72891,"date":"2026-02-08T06:04:20","date_gmt":"2026-02-07T22:04:20","guid":{"rendered":"https:\/\/www.xyka.net\/?p=72891"},"modified":"2026-02-08T06:00:12","modified_gmt":"2026-02-07T22:00:12","slug":"mw57595","status":"publish","type":"post","link":"https:\/\/www.xyka.net\/know\/mw57595.html","title":{"rendered":"\u4ece\u4fe1\u7528\u8bc4\u5206\u5256\u6790\u6d88\u8d39\u4fe1\u8d37\u667a\u80fd\u98ce\u63a7\u201c\u53cc\u5203\u5251\u201d"},"content":{"rendered":"<p>\u6d88\u8d39\u4fe1\u8d37\u89c4\u6a21\u7684\u6269\u5f20\uff0c\u53c8\u4e0e\u667a\u80fd\u98ce\u63a7\u7684\u53d1\u5c55\u606f\u606f\u76f8\u5173\u3002\u4f46\u7531\u4e8e\u98ce\u63a7\u6280\u672f\u91cd\u5b9e\u64cd\uff0c\u5404\u5bb6\u6240\u8fd0\u7528\u7684\u6280\u672f\u53c8\u4e0d\u5c3d\u76f8\u540c\uff0c\u56e0\u6b64\u76f8\u5173\u7684\u6c47\u603b\u7c7b\u7814\u7a76\u8f83\u4e3a\u532e\u4e4f\u3002<\/p>\n<p>\u672c\u6587\u8bd5\u56fe\u4ece\u6d88\u8d39\u4fe1\u8d37\u4e1a\u667a\u80fd\u98ce\u63a7\u7684\u53d1\u5c55\u8fd1\u51b5\u5207\u5165\uff0c\u91cd\u70b9\u89e3\u6790\u4fe1\u7528\u8bc4\u5206\u4ea7\u54c1\u5728\u667a\u80fd\u98ce\u63a7\u8d37\u524d\u7ba1\u7406\u4e2d\u7684\u5e94\u7528\uff0c\u5e76\u63ed\u793a\u4f5c\u4e3a\u53cc\u5203\u5251\u7684\u667a\u80fd\u98ce\u63a7\u6240\u5177\u6709\u7684\u82e5\u5e72\u7f3a\u9677\u3002<\/p>\n<p><strong>\u4e00\u3001\u667a\u80fd\u98ce\u63a7\u7684\u5174\u8d77\u4e0e\u53d1\u5c55<\/strong><\/p>\n<p>\u79d1\u5b66\u6280\u672f\u7684\u53d1\u5c55\u65e5\u65b0\u6708\u5f02\uff0c\u667a\u80fd\u6280\u672f\u5728\u91d1\u878d\u9886\u57df\u6b63\u5b9e\u73b0\u6301\u7eed\u6027\u7684\u6e17\u900f\u3002\u8fd1\u5e74\u6765\uff0c\u667a\u80fd\u6280\u672f\u5148\u540e\u5728\u8425\u9500\u3001\u98ce\u63a7\u3001\u5ba1\u8ba1\u3001\u6295\u987e\u3001\u6295\u7814\u7b49\u9886\u57df\u5f97\u5230\u8fd0\u7528\uff0c\u5982\u4e0b\u56fe\u6240\u793a\uff1a<\/p>\n<p>\u5176\u4e2d\uff0c\u5728\u6d88\u8d39\u4fe1\u8d37\u9886\u57df\u5b9e\u73b0\u5e7f\u6cdb\u8fd0\u7528\u7684\u6709\u667a\u80fd\u8425\u9500\u53ca\u667a\u80fd\u98ce\u63a7\u3002\u667a\u80fd\u98ce\u63a7\uff0c\u662f\u6307\u5728\u4f20\u7edf\u98ce\u63a7\u4e0a\u878d\u5165\u667a\u80fd\u56e0\u7d20\uff0c\u7ed3\u5408\u5927\u6570\u636e\u3001\u4eba\u5de5\u667a\u80fd\u3001\u533a\u5757\u94fe\u7b49\u65b0\u578b\u6280\u672f\uff0c\u5bf9\u4fe1\u8d37\u7533\u8bf7\u8fdb\u884c\u98ce\u9669\u63a7\u5236\u7684\u4e00\u9879\u6280\u672f\u3002\u667a\u80fd\u98ce\u63a7\u8fd9\u4e00\u6982\u5ff5\u5728\u6211\u56fd\u666e\u53ca\u7684\u65f6\u95f4\u5e76\u4e0d\u957f\uff0c2017\u5e74\u540e\u624d\u9010\u6e10\u70ed\u95e8\u8d77\u6765\u3002<\/p>\n<p><strong>\u4e8c\u3001\u4e2a\u4f53\u5b9a\u4f4d\u2014\u2014\u8eab\u4efd\u8bc6\u522b\u4e0e\u53cd\u6b3a\u8bc8<\/strong><\/p>\n<p>\u4fe1\u8d37\u673a\u6784\u4e0e\u501f\u6b3e\u7528\u6237\u63a5\u89e6\u7684\u7b2c\u4e00\u6b65\uff0c\u662f\u5bf9\u5176\u7684\u4e2a\u4f53\u5b9a\u4f4d\uff0c\u5177\u4f53\u5982\u4e0b\uff1a<\/p>\n<p><strong>1.  \u8eab\u4efd\u8bc6\u522b<\/strong><\/p>\n<p>\u8eab\u4efd\u8bc6\u522b\u662f\u5224\u65ad\u501f\u6b3e\u4eba\u8eab\u4efd\u7684\u9996\u8981\u6b65\u9aa4\uff0c\u4e00\u822c\u4ee5\u7528\u6237\u8bc1\u7167\u4fe1\u606f\u4e3a\u57fa\u7840\uff0c\u6240\u4f7f\u7528\u5230\u7684\u6280\u672f\u4e3b\u8981\u6709\u751f\u7269\u8bc6\u522b\u4ee5\u53caOCR\u6280\u672f\u3002<\/p>\n<p>\u751f\u7269\u8bc6\u522b\uff0c\u662f\u5c06\u8ba1\u7b97\u673a\u4e0e\u5149\u5b66\u3001\u58f0\u5b66\u3001\u751f\u7269\u4f20\u611f\u5668\u548c\u751f\u7269\u7edf\u8ba1\u5b66\u539f\u7406\u7b49\u9ad8\u79d1\u6280\u624b\u6bb5\u76f8\u7ed3\u5408\uff0c\u5229\u7528\u8eab\u4f53\u7279\u5f81\u6765\u9274\u522b\u4e2a\u4eba\u8eab\u4efd\u7684\u6280\u672f\u3002\u5176\u4e2d\u8f83\u4e3a\u6210\u719f\u7684\u662f\u6307\u7eb9\u53ca\u4eba\u8138\u8bc6\u522b\u6280\u672f\u3002\u6d88\u8d39\u4fe1\u8d37\u9886\u57df\u4e2d\uff0c\u6307\u7eb9\u8ba4\u8bc1\u901a\u5e38\u88ab\u7528\u4e8e\u624b\u673aAPP\u767b\u5f55\u9a8c\u8bc1\u7b49\uff0c\u800c\u4eba\u8138\u8bc6\u522b\u6280\u672f\u5219\u66f4\u4e3a\u666e\u53ca\uff0c\u8fd1\u5e74\u6765\u5e7f\u6cdb\u4ee3\u66ff\u4e86\u4f20\u7edf\u624b\u6301\u8eab\u4efd\u8bc1\u7167\u7247\u7684\u9a8c\u8bc1\u65b9\u5f0f\uff0c\u4f8b\u5982\u5237\u8138\u8ba4\u8bc1\u5728\u501f\u6b3e\u7528\u6237\u7533\u8bf7\u9636\u6bb5\u5e7f\u4e3a\u8fd0\u7528\u3002<\/p>\n<p>OCR\u6280\u672f\uff08Optical Character Recognition\uff09\uff0c\u5168\u79f0\u5149\u5b66\u5b57\u7b26\u8bc6\u522b\u6280\u672f\uff0c\u5176\u539f\u7406\u662f\u5229\u7528\u626b\u63cf\u7b49\u5149\u5b66\u5f55\u5165\u65b9\u5f0f\u5c06\u5404\u7c7b\u8bc1\u4ef6\u3001\u8d44\u6599\u3001\u5370\u5237\u54c1\u4e0a\u7684\u6587\u5b57\u8f6c\u5316\u4e3a\u56fe\u50cf\u4fe1\u606f\uff0c\u518d\u901a\u8fc7\u6587\u5b57\u8bc6\u522b\u6280\u672f\u5c06\u5176\u8f6c\u5316\u6210\u8ba1\u7b97\u673a\u8f93\u5165\u6280\u672f\u3002<\/p>\n<p>\u8eab\u4efd\u8bc1\u8bc6\u522b\u548c\u94f6\u884c\u5361\u7ed1\u5b9a\u662fOCR\u6280\u672f\u5728\u6d88\u8d39\u4fe1\u8d37\u4e2d\u8fd0\u7528\u6700\u5e7f\u7684\u4e24\u9879\u3002\u4e00\u65b9\u9762\uff0c\u901a\u8fc7OCR\u63d0\u53d6\u8eab\u4efd\u8bc1\u5934\u50cf\uff0c\u80fd\u591f\u53d6\u5f97\u5feb\u901f\u83b7\u53d6\u8eab\u4efd\u8bc6\u522b\u7684\u76ee\u6807\uff0c\u8fbe\u5230\u4eba\u8bc1\u5408\u4e00\uff1b\u53e6\u4e00\u65b9\u9762\uff0cOCR\u80fd\u591f\u5feb\u901f\u8bc6\u522b\u94f6\u884c\u5361\u53f7\u3001\u6301\u5361\u4eba\u3001\u53d1\u5361\u884c\u7b49\u5173\u952e\u680f\u4f4d\u5e76\u81ea\u52a8\u586b\u5165\u8bc6\u522b\u5230\u7684\u4fe1\u606f\u5185\u5bb9\uff0c\u4e0d\u4ec5\u5728\u4fe1\u8d37\u5e73\u53f0\uff0c\u5728\u7535\u5546\u5e73\u53f0\u7684\u4ea4\u6613\u652f\u4ed8\u4e2d\u4ea6\u5f97\u5230\u5927\u91cf\u4f7f\u7528\u3002<\/p>\n<p><strong>2.  \u7528\u6237\u753b\u50cf<\/strong><\/p>\n<p>\u8eab\u4efd\u8bc6\u522b\u662f\u5bf9\u7533\u8bf7\u7528\u6237\u7684\u57fa\u672c\u4fe1\u606f\u8fdb\u884c\u4e86\u5e95\u5c42\u63cf\u7ed8\uff0c\u800c\u7528\u6237\u753b\u50cf\u5219\u8fdb\u4e00\u6b65\u901a\u8fc7\u7528\u6237\u6388\u6743\uff0c\u67e5\u8be2\u5176\u592e\u884c\u5f81\u4fe1\u3001\u7b2c\u4e09\u65b9\u5f81\u4fe1\u3001\u7f51\u7edc\u4ea4\u6613\u884c\u4e3a\u7b49\u591a\u91cd\u7ef4\u5ea6\u3002<\/p>\n<p>\u5f81\u4fe1\u4fe1\u606f\u662f\u5224\u65ad\u501f\u6b3e\u4eba\u4fe1\u7528\u6700\u4e3a\u76f4\u63a5\uff0c\u4e5f\u6700\u4e3a\u9ad8\u6548\u7684\u9014\u5f84\u3002\u4ece\u6570\u636e\u6765\u770b\uff0c\u622a\u81f3\u5230\u4eca\u5e746\u6708\uff0c\u592e\u884c\u5f81\u4fe1\u7cfb\u7edf\u7d2f\u8ba1\u6536\u5f559.9\u4ebf\u81ea\u7136\u4eba\uff0c\u4e2a\u4eba\u65e5\u5747\u67e5\u8be2\u91cf\u8fbe550\u4e07\u6b21\u3002\u8fd1\u4e24\u5e74\u6c11\u8425\u5f81\u4fe1\u5de8\u5934\u2014\u2014\u767e\u884c\u5f81\u4fe1\u4ea6\u5728\u6d88\u8d39\u4fe1\u8d37\u7684\u8fd0\u7528\u4e2d\u53d1\u6325\u4e86\u8f83\u5927\u4f5c\u7528\u3002\u9664\u6b64\u4e4b\u5916\uff0c\u8fd8\u6709\u5176\u4ed6\u7b2c\u4e09\u65b9\u5f81\u4fe1\u4fe1\u606f\u3001\u5171\u4eab\u5f81\u4fe1\u7cfb\u7edf\u7b49\u5728\u4fe1\u8d37\u5ba1\u6279\u673a\u6784\u7684\u7528\u6237\u753b\u50cf\u3001\u5171\u503a\u98ce\u9669\u8bc6\u522b\u7b49\u65b9\u9762\u63d0\u4f9b\u4e86\u52a9\u529b\u3002<\/p>\n<p>\u516c\u5171\u7f34\u8d39\u3001\u7f51\u7edc\u6d88\u8d39\u3001\u8fd0\u8425\u5546\u6570\u636e\u7b49\u9700\u83b7\u53d6\u7528\u6237\u6388\u6743\uff0c\u4ece\u6d88\u8d39\u9891\u7387\u3001\u91d1\u989d\u7b49\u7ef4\u5ea6\u5bf9\u7528\u6237\u8fdb\u884c\u5224\u65ad\uff0c\u7ed3\u5408\u540e\u7eed\u501f\u6b3e\u4eba\u8bc4\u5206\u6b65\u9aa4\u8d4b\u4e88\u5176\u8bc4\u5206\u4e0e\u6388\u4fe1\u3002\u6b64\u5916\u8fd8\u5305\u542b\u5176\u4ed6\u4fe1\u606f\uff0c\u4f8b\u5982\u4f7f\u7528\u8bbe\u5907\uff08ID\u3001\u8bbe\u5907\u578b\u53f7\u7b49\uff09\u3001\u6237\u53e3\u8ba4\u8bc1\u3001\u5b66\u5386\u8ba4\u8bc1\u7b49\u3002<\/p>\n<p><strong>3.  \u53cd\u6b3a\u8bc8\u6a21\u578b\u6784\u5efa<\/strong><\/p>\n<p>\u4e92\u8054\u7f51\u91d1\u878d\u84ec\u52c3\u53d1\u5c55\u7684\u540c\u65f6\uff0c\u6d88\u8d39\u4fe1\u8d37\u9886\u57df\u56e0\u6b3a\u8bc8\u6240\u81f4\u7684\u574f\u8d26\u95ee\u9898\u4e5f\u65e5\u76ca\u51f8\u663e\u3002\u516c\u5f00\u6570\u636e\u663e\u793a\uff0c\u622a\u81f32018\u5e74\uff0c\u7f51\u7edc\u9ed1\u4ea7\u5bfc\u81f4\u7684\u4fe1\u606f\u6cc4\u6f0f\u9884\u4f30\u5728\u51e0\u5341\u4ebf\u6761\u7ea7\u522b\uff0c\u6d89\u53ca\u6b3a\u8bc8\u56e2\u4f19\u8d853\u4e07\u4e2a\u3002<\/p>\n<p>\u6d88\u8d39\u4fe1\u8d37\u9886\u57df\u7684\u9a97\u8d37\u5df2\u6210\u4e3a\u975e\u6cd5\u9ed1\u4ea7\u4e2d\u4e0d\u5bb9\u5ffd\u89c6\u7684\u91cd\u707e\u533a\uff0c\u751a\u81f3\u5b58\u5728\u4e13\u4e1a\u5316\u7684\u7ec4\u7ec7\u4ee5\u56e2\u4f53\u5f62\u5f0f\u201c\u64b8\u8d37\u201d\u3001\u201c\u64b8\u53e3\u5b50\u201d\u3002\u56e0\u6b64\uff0c\u5efa\u7acb\u4ee5\u53cd\u6b3a\u8bc8\u4e3a\u6838\u5fc3\u7684\u9632\u706b\u5899\u5df2\u523b\u4e0d\u5bb9\u7f13\u3002<\/p>\n<p>\u6839\u636e\u5de5\u4f5c\u539f\u7406\uff0c\u53cd\u6b3a\u8bc8\u6a21\u578b\u53ef\u5206\u4e3a\u201c\u57fa\u4e8e\u89c4\u5219\u7684\u53cd\u6b3a\u8bc8\u6a21\u578b\u201d (Rule Based system)\u548c\u201c\u57fa\u4e8e\u5ba2\u6237\u884c\u4e3a(Behavior Based system)\u7684\u53cd\u6b3a\u8bc8\u6a21\u578b\u201d\u3002<\/p>\n<p>\u4ece\u6838\u5fc3\u67b6\u6784\u6765\u770b\uff0c\u57fa\u4e8e\u89c4\u5219\u7684\u53cd\u6b3a\u8bc8\u6a21\u578b\u4e3b\u8981\u662f\u5efa\u7acb\u89c4\u5219\u5e93\uff0c\u5176\u89c4\u5219\u5185\u5bb9\u5305\u62ec\u5ba2\u6237\u57fa\u672c\u5c5e\u6027\u3001\u8d26\u6237\u57fa\u672c\u5c5e\u6027\u7b49\u3002\u800c\u57fa\u4e8e\u7528\u6237\u884c\u4e3a\u7684\u53cd\u6b3a\u8bc8\u6a21\u578b\u5219\u9700\u8981\u6839\u636e\u8fc7\u5f80\u7528\u6237\u6570\u636e\u7684\u6536\u96c6\u5efa\u7acb\u8d77\u7528\u6237\u884c\u4e3a\u5e93\uff0c\u56e0\u6b64\u5176\u52a3\u52bf\u4e5f\u663e\u800c\u6613\u89c1\uff1a\u5bf9\u7528\u6237\u6570\u636e\u7684\u89c4\u6a21\u3001\u79ef\u7d2f\u65f6\u95f4\u5747\u6709\u4e00\u5b9a\u8981\u6c42\u3002<\/p>\n<p>\u5b9e\u52a1\u4e2d\uff0c\u4e00\u4e9b\u4f01\u4e1a\u5c06\u4e24\u7c7b\u6a21\u578b\u5145\u5206\u7ed3\u5408\uff0c\u901a\u8fc7\u8bbe\u5b9a\u89c4\u5219\u5e93\u5bf9\u53ef\u7591\u7528\u6237\u8fdb\u884c\u8bc6\u522b\uff0c\u518d\u901a\u8fc7\u6536\u96c6\u5230\u7684\u7528\u6237\u884c\u4e3a\u4e0d\u65ad\u5bf9\u89c4\u5219\u5e93\u8fdb\u884c\u66f4\u65b0\uff0c\u540c\u65f6\u878d\u5165\u4e13\u5bb6\u7ecf\u9a8c\u5bf9\u6a21\u578b\u4fee\u6b63\u3002\u76ee\u524d\uff0c\u6d88\u8d39\u4fe1\u8d37\u9886\u57df\u5c31\u53cd\u6b3a\u8bc8\u6a21\u578b\u6784\u5efa\u6240\u6d89\u7814\u7a76\u65b9\u6cd5\u5305\u62ec\u4f46\u4e0d\u4ec5\u9650\u4e8e\u795e\u7ecf\u7f51\u7edc\u3001\u51b3\u7b56\u6811\u3001\u673a\u5668\u5b66\u4e60\u3001\u968f\u673a\u68ee\u6797\u7b49\u3002<\/p>\n<p>\u4ee5\u67d0\u8d74\u7f8e\u4e0a\u5e02\u7684\u91d1\u878d\u79d1\u6280\u4f01\u4e1a\u4e3a\u4f8b\uff0c\u5176\u5df2\u79ef\u7d2f\u4e86\u5343\u4e07\u7ea7\u522b\u7684\u9ed1\u540d\u5355\u548c\u6570\u4ebf\u767d\u540d\u5355\u5e93\uff0c\u8fd0\u884c\u7cfb\u7edf\u5185\u62e5\u6709\u8d85\u8fc7\u4e24\u767e\u4e2a\u98ce\u63a7\u5b50\u6a21\u578b\uff0c\u4e14\u5177\u5907\u5b9e\u65f6\u81ea\u52a8\u66f4\u65b0\u6a21\u578b\u7684\u80fd\u529b\uff0c\u90e8\u5206\u98ce\u9669\u6a21\u578b\u7684\u8fed\u4ee3\u65f6\u95f4\u4ee5\u5468\u4e3a\u9891\u6b21\u3002<\/p>\n<p><strong>\u4e09\u3001\u8d44\u8d28\u8861\u91cf\u2014\u2014\u4fe1\u7528\u8bc4\u5206\u4e0e\u98ce\u9669\u5b9a\u4ef7<\/strong><\/p>\n<p>\u5728\u5b8c\u6210\u8eab\u4efd\u8bc6\u522b\u3001\u7528\u6237\u753b\u50cf\u53ca\u53cd\u6b3a\u8bc8\u5de5\u4f5c\u540e\uff0c\u5408\u683c\u7528\u6237\u4f1a\u8fdb\u5165\u5230\u4fe1\u7528\u8bc4\u5206\u53ca\u6388\u4fe1\u73af\u8282\uff0c\u6d41\u7a0b\u56fe\u5982\u4e0b\u6240\u793a\uff1a<\/p>\n<p><strong>1. 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 \u7528\u6237\u6388\u6743\u4e0e\u9690\u79c1\u4fe1\u606f\u7ba1\u7406<\/strong><\/p>\n<p>\u6d88\u8d39\u4fe1\u8d37\u7684\u667a\u80fd\u98ce\u63a7\u662f\u57fa\u4e8e\u5927\u6570\u636e\u4f5c\u51fa\u7684\u51b3\u7b56\uff0c\u5728\u5e95\u5c42\u6570\u636e\u7684\u83b7\u53d6\u6765\u6e90\u65b9\u9762\u5b58\u5728\u4e89\u8bae\u3002\u67d0\u4e9b\u4fe1\u8d37APP\u7ed5\u8fc7\u7528\u6237\u6388\u6743\uff0c\u76f4\u63a5\u6293\u53d6\u751a\u81f3\u76d1\u63a7\u7528\u6237\u4e2a\u4eba\u6570\u636e\uff0c\u4f8b\u5982\u4eca\u5e74315\u665a\u4f1a\u6240\u66dd\u5149\u7684\u201c\u63a2\u9488\u76d2\u5b50\u201d\uff0c\u4ee5\u53ca\u4eac\u4e1c\u91d1\u878d\u56e0\u7559\u5b58\u7528\u6237\u624b\u673a\u622a\u56fe\u88ab\u70b9\u540d\u7b49\u3002APP\u4e13\u9879\u6cbb\u7406\u5de5\u4f5c\u7ec4\u591a\u6b21\u516c\u793a\u70b9\u540d\u4e86\u5728\u4e2a\u4eba\u4fe1\u606f\u4fdd\u62a4\u65b9\u9762\u5de5\u4f5c\u4e0d\u529b\u7684\u4e3b\u4f53\u673a\u6784\uff0c\u7406\u8d22\u3001\u4fe1\u8d37\u7c7bAPP\u6210\u4e3a\u91cd\u707e\u533a\u3002<\/p>\n<p><strong>2.  \u201c\u4fe1\u7528\u5206\u201d\u5b64\u5c9b<\/strong><\/p>\n<p>2013\u5e74\uff0c\u4e1a\u5185\u66fe\u6709\u4e24\u4f4d\u5b66\u8005\u901a\u8fc7\u5bf9\u7f8e\u56fdLending Club \u5e73\u53f0\u5e95\u5c42\u6570\u636e\u7684\u7814\u7a76\uff0c\u5c06 FICO\u4e0e\u8fdd\u7ea6\u7387\u8fdb\u884c\u56de\u5f52\uff0c\u5f97\u5230 FICO 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