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Method, device, apparatus and medium for risk assessment based on microexpression

A risk assessment and micro-expression technology, applied in the computer field, can solve the problems of high credit risk and low accuracy of credit risk assessment, and achieve the effect of avoiding low accuracy and improving accuracy.

Pending Publication Date: 2019-03-15
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present invention provides a micro-expression-based risk assessment method, device, equipment, and medium to solve the current problem of low credit risk assessment accuracy and high credit risk

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  • Method, device, apparatus and medium for risk assessment based on microexpression
  • Method, device, apparatus and medium for risk assessment based on microexpression
  • Method, device, apparatus and medium for risk assessment based on microexpression

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Embodiment Construction

[0030] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are some of the embodiments of the present invention, but not all of them. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of the present invention.

[0031] The micro-expression-based risk assessment method provided by this application can be applied in such figure 1 In the application environment shown, the application environment includes a server and a client, wherein the server and the client are connected through a network, the network can be a wired network or a wireless network, and the client specifically includes but is not limited to various For personal computers, laptops, smart phones, t...

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Abstract

The invention discloses a risk assessment method, a device, a device and a medium based on micro expression. The method comprises the following steps of: acquiring first video data of an object to beevaluated; Using a microexpression recognition model to perform microexpression recognition on the first video data to obtain the first microexpression data of the object to be evaluated; Establishingfacial microexpression baseline data of an object to be evaluated according to the first microexpression data; Acquiring second video data of the object to be evaluated; Using a microexpression recognition model to perform microexpression recognition on the second video data to obtain the second microexpression data of the object to be evaluated; Using the normal numerical range of each index feature in the facial microexpression baseline data, the risk assessment is performed on the feature data to be identified of each index feature in the second microexpression data, and the risk assessment result of the object to be evaluated is obtained. The technical proposal of the invention realizes automatic risk assessment, and can improve the accuracy rate of credit risk assessment and reduce credit risk.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a micro-expression-based risk assessment method, device, equipment and medium. Background technique [0002] With the gradual application of software systems in the financial field, especially in the field of loan finance, it has been widely used. Common loan financial systems, such as the credit system, can realize the electronization and automation of the loan form filling process, contract signing process, approval process, loan lending process, etc. [0003] However, at present, most of the risk control in the credit process is through face-to-face communication between the credit reviewer and the lender, and the credit reviewer subjectively judges and evaluates based on the content of the communication and the observation of the lender. In the case of inattention or lack of deep understanding of people's facial expressions, some subtle changes in the lender's expr...

Claims

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Application Information

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IPC IPC(8): G06K9/00G06Q20/40G06Q40/02
CPCG06Q20/4016G06V40/168G06V40/176G06Q40/03
Inventor 朱文和
Owner PING AN TECH (SHENZHEN) CO LTD
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