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Business processing method, model training method, equipment and storage medium

A business processing and model technology, applied in the field of data processing, can solve problems such as inability to understand customers and high loan risk

Inactive Publication Date: 2019-08-09
PEOPLE'S INSURANCE COMPANY OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the online loan business cannot fully understand customers, and the loan risk is relatively high

Method used

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  • Business processing method, model training method, equipment and storage medium
  • Business processing method, model training method, equipment and storage medium
  • Business processing method, model training method, equipment and storage medium

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Embodiment Construction

[0044] In order to make the purpose, technical solution and advantages of the present application clearer, the technical solution of the present application will be clearly and completely described below in conjunction with specific embodiments of the present application and corresponding drawings. Apparently, the described embodiments are only some of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0045] In view of the problem that the current online loan business cannot fully understand customers and the loan risk is high, in some exemplary embodiments of this application, the server device pre-trains a credit risk prediction model, and the computing device collects the facial image of the target user, based on Face recognition technology extr...

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Abstract

The embodiment of the invention provides a service processing method, a model training method, equipment and a storage medium. In some exemplary embodiments of the present application, a server devicepre-trains a credit risk prediction model, a computing device collects a face image of a target user, and extracts face features of the target user from the face image of the target user based on a face recognition technology; inputting the face features of the target user into a pre-trained credit risk prediction model to obtain a credit risk value of the target user; and performing service processing on the target user according to the credit risk value of the target user to reduce the service risk.

Description

technical field [0001] The present application relates to the technical field of data processing, and in particular to a business processing method, a model training method, equipment, and a storage medium. Background technique [0002] With the development of the Internet and information technology, various business fields are becoming more and more electronic. For example, in the insurance business field, online insurance can be purchased, online claims settlement, online recommendation of insurance products, etc., and online loan business can also be carried out. However, the online loan business cannot fully understand customers, and the loan risk is relatively high. Contents of the invention [0003] Various aspects of the present application provide a business processing method, model training method, equipment, and storage medium, perform model training based on facial images of historical credit users, find potential connections between facial features and repaymen...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K9/00G06Q40/02
CPCG06V40/168G06V40/172G06Q40/03
Inventor 谭建斌邵利铎奎志钢帅玉廷杨亚刚张楠
Owner PEOPLE'S INSURANCE COMPANY OF CHINA
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