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Loan auditing method, device and equipment based on artificial intelligence and medium

A technology of artificial intelligence and loans, applied in the fields of instruments, finance, computer parts, etc., can solve problems such as low audit efficiency, high labor cost, and inaccurate audit results, and achieve the effects of saving manpower, improving efficiency, and improving accuracy

Pending Publication Date: 2019-04-30
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] The embodiment of the present invention provides an artificial intelligence-based loan review method, device, equipment, and medium to solve the problem of low review efficiency, high labor costs and inaccurate review results in the process of manually reviewing the authenticity of loan data in the current loan review process. The problem

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  • Loan auditing method, device and equipment based on artificial intelligence and medium
  • Loan auditing method, device and equipment based on artificial intelligence and medium
  • Loan auditing method, device and equipment based on artificial intelligence and medium

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Embodiment Construction

[0032] The technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are part of the embodiments of the present invention, 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.

[0033] The artificial intelligence-based loan review method provided by the embodiment of the present invention can be applied to a loan platform to intelligently review the authenticity of the information provided by the lender without manual intervention, improve loan review efficiency, reduce review costs, and Improve the accuracy of audit results. This artificial intelligence-based loan review method can be applied in such as figure 1 An application env...

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Abstract

The invention discloses a loan auditing method and device based on artificial intelligence, equipment and a medium, and the method comprises the steps: obtaining a loan application request which comprises an identity card image and user personal information; carrying out identification verification on the identity card image by adopting an OCR identification technology to obtain user basic information; inquiring a third-party credit investigation platform based on the user basic information, and obtaining a user credit investigation score; forming a voice question based on the user personal information, broadcasting the voice question and starting a camera for recording to obtain a monitoring video; calling a pre-created micro-expression recognition model to detect the monitoring video, and obtaining a micro-expression detection result; and obtaining a loan auditing result based on the micro-expression detection result and the user credit score. The auditing process does not need manual intervention, can intelligently audit the authenticity of the loan information, and effectively improves the loan auditing efficiency.

Description

technical field [0001] The present invention relates to the field of artificial intelligence, in particular to an artificial intelligence-based loan review method, device, equipment and medium. Background technique [0002] The current loan review mainly involves the authenticity of the information provided by the lender through telephone interviews by credit review personnel, which specifically includes reviewing the authenticity of the basic information of the lender and the authenticity of other materials provided. This manual review method has low efficiency and high labor costs. Moreover, during the telephone review process, the emotional changes of the lender during the communication process are ignored, resulting in inaccurate results of manual review, that is, low credit. Contents of the invention [0003] The embodiment of the present invention provides an artificial intelligence-based loan review method, device, equipment, and medium to solve the problem of low r...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/00
CPCG06V40/161G06V40/174G06V40/45G06Q40/03
Inventor 付美蓉
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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