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Micro-expression loan control method and device, computer equipment and storage medium

A control method and micro-expression technology, applied in computer components, computing, speech analysis, etc., can solve problems such as troublesome programs, different abilities, and difficulty in accurate analysis and judgment, and achieve the effect of various methods and large amounts of data

Pending Publication Date: 2019-05-31
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

If it is necessary to carry out the interview procedure during the loan, it will be more troublesome, and different staff members have different abilities to recognize people's micro-expressions and conduct psychological analysis, so it is difficult to achieve accurate analysis and judgment

Method used

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  • Micro-expression loan control method and device, computer equipment and storage medium
  • Micro-expression loan control method and device, computer equipment and storage medium
  • Micro-expression loan control method and device, computer equipment and storage medium

Examples

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Embodiment Construction

[0077] Embodiments of the present invention are described in detail below, examples of which are shown in the drawings, wherein the same or similar reference numerals designate the same or similar elements or elements having the same or similar functions throughout. The embodiments described below by referring to the figures are exemplary only for explaining the present invention and should not be construed as limiting the present invention.

[0078] Those skilled in the art will understand that unless otherwise stated, the singular forms "a", "an", "said" and "the" used herein may also include plural forms. It should be further understood that the word "comprising" used in the description of the present invention refers to the presence of said features, integers, steps, operations, elements and / or components, but does not exclude the presence or addition of one or more other features, Integers, steps, operations, elements, components, and / or groups thereof. It will be unders...

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Abstract

The invention discloses a micro-expression loan control method and device, computer equipment and a storage medium, and the method comprises the steps: obtaining image information and voice information of a loan when the loan answers a preset question, the image information comprising a face image and a limb action image of the loan; Analyzing the integrity of the loan according to the image information and the voice information; Obtaining historical behavior data of the loan through the face image; And evaluating the credit investigation value of the loan according to the credit degree of theloan and the historical behavior data. According to the method, the truth degree of the loan when the loan answers a sensitive question is analyzed through the facial expressions, the limb actions and the sound, and the loan risk assessment is comprehensively carried out in combination with the historical behavior data of the loan, so that the risk assessment is more accurate. The historical behavior data is from a big data network in butt joint with the test system, and the acquired paths are diverse and large in data volume, so that the credit investigation value of a loan can be judged more accurately, and the working personnel can be assisted in making accurate loan judgment.

Description

technical field [0001] The present invention relates to the field of computer application technology, in particular, the present invention relates to a micro-expression loan control method, device, computer equipment and storage medium. Background technique [0002] In the bank's loan business, generally you only need to submit relevant certification materials and fill in the relevant information to apply for a loan. For some relatively hidden problems, it is not easy to be found. [0003] But when communicating with the lender face to face, through some micro-expressions of the lender, people can understand some psychological activities about the lender. For example, when the lender is lying or not confident, he will blush or avoid his eyes. It would be cumbersome to carry out the interview procedure when taking out a loan, and different staff members have different abilities to recognize people's micro-expressions and conduct psychological analysis, making accurate analys...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K9/00G10L25/63G06Q40/02
Inventor 丁玉斌
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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