arXiv:2412.12827cs.CV2024-12被引 5

精准识别银行对账单中的表格结构,提取交易信息用于信用评估。

TabSniper: Towards Accurate Table Detection & Structure Recognition for Bank Statements

  • 基于DETR架构,结合多银行数据微调,实现表格检测与分类。
  • 在复杂布局下仍能准确识别长表格中的全部交易条目。
  • 适合金融风控、自动化财务分析等需要高精度表格解析的场景。

从银行对账单中提取交易信息是评估个人财务状况、进行信用评级和承保决策的关键。与税表或财务报表等其他金融文档不同,从对账单中提取交易描述可全面反映现金流和消费模式。由于不同银行间版式和模板差异大,从各类表格中提取交易级信息是一项艰巨任务。现有表格结构识别方法在处理长而复杂的表格时表现不佳,难以准确捕捉所有交易。本文提出TabSniper,一种高效的方法,用于从银行对账单中进行表格检测、分类及结构识别。该流程首先检测并分类目标表格区域,随后通过表格结构识别模型和后处理模块,将交易数据转化为结构化标准格式。检测与结构识别架构基于DETR,利用多样化银行对账单进行微调,并引入额外特征增强。在挑战性数据集上的结果表明,TabSniper优于强基线模型,能在多种版式和模板下高质量提取银行及其他金融文档的交易信息。

原文摘要 · Abstract (English)

Extraction of transaction information from bank statements is required to assess one's financial well-being for credit rating and underwriting decisions. Unlike other financial documents such as tax forms or financial statements, extracting the transaction descriptions from bank statements can provide a comprehensive and recent view into the cash flows and spending patterns. With multiple variations in layout and templates across several banks, extracting transactional level information from different table categories is an arduous task. Existing table structure recognition approaches produce sub optimal results for long, complex tables and are unable to capture all transactions accurately. This paper proposes TabSniper, a novel approach for efficient table detection, categorization and structure recognition from bank statements. The pipeline starts with detecting and categorizing tables of interest from the bank statements. The extracted table regions are then processed by the table structure recognition model followed by a post-processing module to transform the transactional data into a structured and standardised format. The detection and structure recognition architectures are based on DETR, fine-tuned with diverse bank statements along with additional feature enhancements. Results on challenging datasets demonstrate that TabSniper outperforms strong baselines and produces high-quality extraction of transaction information from bank and other financial documents across multiple layouts and templates.

表格识别金融数据DETR信息提取

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