Risk assessment method and device

Abstract

The invention provides a risk assessment method and device, and the method comprises the steps: carrying out the segmentation of visible light video data, and obtaining picture data arranged accordingto a time sequence; according to the picture data, extracting a color change feature sequence of a face region in each segment of visible light video data, and determining heart rate change data of the user; according to the visible light video data, performing micro-expression recognition on the face of the user, and determining facial expression change data of the user; according to the infrared video data, determining face temperature distribution data of the user arranged according to a time sequence; and determining a risk assessment result according to the heart rate change data of theuser, the facial expression change data of the user and the face temperature distribution data of the user arranged according to the time sequence. Manual judgment is not needed, and the error rate ofrisk assessment is reduced; and face-to-face business handling is not needed, the working efficiency of bank workers is improved, a user does not need to go to a bank outlet, and the user experienceis also improved.

Description

technical field [0001] The present invention relates to the technical field of data processing, in particular to a risk assessment method and device. Background technique [0002] When a bank handles business, such as applying for a credit card, applying for a loan, etc., in order to ensure the safety of bank funds, it must conduct a risk assessment on the business it handles. Existing risk assessment methods mainly rely on the bank's staff's own experience, combined with the application materials provided by the user, ask the user questions, and perform risk assessment on this business application according to the attitude of the user when answering. [0003] However, only relying on the staff to conduct manual risk assessment on business applications has a high probability of error and low work efficiency; and due to the need to rely on staff to perform manual risk assessment, users can only go to bank outlets for business processing. Areas with low coverage of bank outle...

AI Technical Summary

Problems solved by technology

[0003] However, only relying on the staff to conduct manual risk assessment on business applications has a high probability of error and low work efficiency; and due to the need to rely on staff to perform manual risk assessment, users can only go to bank outlets for business processing. Areas where the coverage of bank outlets is not high, which seriously affects the business handling of users

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