Information Processing Method and Device for Home Decoration

Abstract

The disclosed embodiment discloses an information processing method and device for home improvement, including determining a preset portrait corresponding to the preset information based on the preset information after receiving the preset information sent by the user end; in response to receiving an installment payment request, sending the preset portrait to a third-party system so that the third-party system can review the preset portrait; after receiving the request that has passed the review, evaluating the preset risks in the home improvement process so that the third party can lend money for the home improvement expenses based on the evaluation results. By combining the installment business with marketing, digitizing the installment payment process, and providing risk warnings to home improvement companies, the conversion rate of the installment business in the home improvement industry is improved, the efficiency of the installment payment business is improved, and the financial security of the installment business is improved. This solves the technical problem that the implementation process of installments in related technologies is usually offline docking, resulting in low efficiency in installment handling.

Description

Technical Field

[0001] The present disclosure relates to the technical field of data processing, and particularly to an information processing method and device for home improvement. Background Art

[0002] When the funds for home improvement consumption are squeezed, home improvement consumption installment becomes a market demand.

[0003] In related technologies, the implementation process of installment is usually offline docking, resulting in low efficiency of installment handling. Summary of the Invention

[0004] The main purpose of the present disclosure is to provide an information processing method for home improvement.

[0005] To achieve the above object, according to the first aspect of the present disclosure, there is provided an information processing method for home improvement, including: after receiving preset information sent by a user terminal, determining a preset portrait corresponding to the preset information based on the preset information; in response to receiving an installment payment request, sending the preset portrait to a third-party system so that the third-party system audits the preset portrait; when receiving a request for successful audit, evaluating preset risks in the home improvement process so that the third party makes a loan for home improvement expenses based on the evaluation result.

[0006] Optionally, when receiving a request for successful audit, evaluating preset risks in the home improvement process so that the third party makes a loan for home improvement expenses based on the evaluation result includes: when receiving a request for successful audit, performing a risk assessment on the enterprises participating in the home improvement at different stages of the home improvement progress to obtain an evaluation report; sending the evaluation report to the third-party system so that the third-party system makes loans to the home improvement enterprises at different stages based on the evaluation report.

[0007] Optionally, after receiving preset information sent by a user terminal, determining a preset portrait corresponding to the preset information based on the preset information includes: after receiving preset information of a user to be home improved sent by the user terminal, inputting the preset information into a pre-established calculation model and outputting the credit limit of the current user to be home improved.

[0008] Optionally, the method further includes: determining a home improvement plan matching the credit limit from a database based on the preset portrait.

[0009] Optionally, performing a risk assessment on the enterprises participating in the home improvement at different stages of the home improvement progress to obtain an evaluation report includes: obtaining information of the enterprises participating in the home improvement in a preset dimension; inputting the information in the preset dimension into a pre-established risk assessment model and outputting a risk assessment score in the preset dimension.

[0010] Optionally, the method further includes: after receiving a request for passing the review, obtaining image information of the home improvement progress at different stages; after the authenticity of the image information is verified, sending the verification result and the evaluation report to the third-party system.

[0011] According to a second aspect of the present disclosure, there is provided an information processing apparatus for home improvement, including: a portrait determination unit configured to determine a preset portrait corresponding to the preset information based on the preset information after receiving the preset information sent by the user terminal; a review unit configured to, in response to receiving an installment payment request, send the preset portrait to a third-party system so that the third-party system reviews the preset portrait; an evaluation unit configured to, after receiving a request for passing the review, evaluate preset risks in the home improvement process so that the third party makes a loan for the home improvement cost based on the evaluation result.

[0012] Optionally, the evaluation unit is further configured to: after receiving a request for passing the review, perform a risk assessment on the enterprises participating in the home improvement at different stages of the home improvement progress to obtain an evaluation report; send the evaluation report to the third-party system so that the third-party system makes a loan to the home improvement enterprise at different stages based on the evaluation report.

[0013] According to a third aspect of the present disclosure, there is provided a computer-readable storage medium storing computer instructions for causing a computer to execute the information processing method for home improvement according to any one of the implementation manners of the first aspect.

[0014] According to a fourth aspect of the present disclosure, there is provided an electronic device, including: at least one processor; and a memory communicatively connected to the at least one processor; wherein, the memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor to cause the at least one processor to execute the information processing method for home improvement according to any one of the implementation manners of the first aspect.

[0015] The information processing method and device for home decoration in the embodiments of the present disclosure include: after receiving preset information sent by a user terminal, determining a preset portrait corresponding to the preset information based on the preset information; in response to receiving an installment payment request, sending the preset portrait to a third-party system so that the third-party system can review the preset portrait; when receiving a request for passing the review, evaluating preset risks during the home decoration process so that the third party can provide a loan for the home decoration cost based on the evaluation result. By combining the installment business with marketing, digitizing the installment payment process, and providing risk warnings for home decoration enterprises, the conversion rate of the installment business in the home decoration industry is improved, the handling efficiency of the installment payment business is improved, and the financial security of the installment business is improved. Furthermore, the technical problem in the related art that the implementation process of installment is usually offline docking, resulting in low efficiency of installment handling, is solved. Description of the Drawings

[0016] In order to more clearly illustrate the specific embodiments of the present disclosure or the technical solutions in the prior art, the following will briefly introduce the drawings required for use in the description of the specific embodiments or the prior art. Obviously, the drawings in the following description are some embodiments of the present disclosure. For those of ordinary skill in the art, other drawings can be obtained based on these drawings without creative efforts.

[0017] Figure 1 is a flowchart of the information processing method for home decoration according to the embodiments of the present disclosure;

[0018] Figure 2 is an application schematic diagram of the information processing method for home decoration according to the embodiments of the present disclosure;

[0019] Figure 3 is a schematic diagram of an electronic device according to the embodiments of the present disclosure. Detailed Embodiments

[0020] In order to enable those skilled in the art of this technology to better understand the solutions of the present disclosure, the following will clearly and completely describe the technical solutions in the embodiments of the present disclosure in conjunction with the drawings in the embodiments of the present disclosure. Obviously, the described embodiments are only some of the embodiments of the present disclosure, rather than all of the embodiments. Based on the embodiments in the present disclosure, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present disclosure.

[0021] It should be noted that the terms "first", "second", etc. in the specification, claims and above-mentioned drawings of the present disclosure are used to distinguish similar objects, and do not necessarily have to be used to describe a specific order or sequence. It should be understood that the data used in this way can be interchanged under appropriate circumstances, so as to implement the embodiments of the present disclosure described herein. In addition, the terms "comprising" and "having" and any variations thereof are intended to cover non-exclusive inclusion. For example, a process, method, system, product or device comprising a series of steps or units does not necessarily have to be limited to those steps or units clearly listed, but may include other steps or units not clearly listed or inherent to these processes, methods, products or devices.

[0022] It should be noted that, without conflict, the embodiments in the present disclosure and the features in the embodiments may be combined with each other. The present disclosure will be described in detail below with reference to the drawings and in combination with the embodiments.

[0023] According to an embodiment of the present disclosure, an information processing method for home decoration is provided, as Figure 1 shown, the method includes the following steps 101 to 103:

[0024] Step 101: After receiving the preset information sent by the user terminal, determine the preset portrait corresponding to the preset information based on the preset information.

[0025] In this embodiment, in the marketing stage, if the user to be decorated has a need for installment payment, each home decoration enterprise can trigger a request for installment payment through the page of the user terminal. Then, with the support of the server, the user terminal can present an interface for inputting preset information. After the preset information of the user to be decorated is input, the user terminal sends the preset information to the server. After the server receives the preset information, it can determine the user portrait corresponding to the preset information.

[0026] Furthermore, the user portrait may be the credit limit owned by the user to be decorated. The preset information may include information about the house to be decorated and basic family information of the user to be decorated. The information about the house to be decorated includes but is not limited to information such as the community information where the house to be decorated is located (such as name, location, etc.), the building area of the house to be decorated, and the monthly mortgage payment. The basic family information of the user to be decorated includes but is not limited to information such as whether there is an overdue (such as a loan repayment overdue) situation, the average monthly income information of the family, and the monthly debt amount information of the family.

[0027] By the user actively initiating an installment payment request, the installment payment service can be precisely matched with users who have installment needs. At the same time, by combining the installment payment service with the marketing stage, the in-store rate of home improvement enterprises can be increased, thereby increasing the installment scale in the entire home improvement market, overcoming the problem in related technologies where installment and sales are separated, and the value of installment cannot be reflected in the marketing stage, resulting in limited conversion rate of the installment business.

[0028] As an optional implementation manner of this embodiment, after receiving the preset information sent by the user terminal, determining the corresponding preset portrait based on the preset information includes: after receiving the preset information of the user to be home improved sent by the user terminal, inputting the preset information into a pre-established calculation model, and outputting the available credit limit of the current user to be home improved.

[0029] Through this optional implementation manner, by determining the credit limit that matches the user to be home improved, the best home improvement plan with the required amount for the user can be recommended, thereby meeting the home improvement needs of the user.

[0030] As an optional implementation manner of this embodiment, the method further includes: determining a home improvement plan that matches the credit limit from the database based on the preset portrait.

[0031] In this optional implementation manner, based on the predicted credit limit, the total amount available for home improvement corresponding to the credit limit can be determined through a pre-established mapping table, and then the home improvement plan under this total amount can be determined. Automatically matching the home improvement plan can precisely meet the home improvement needs of customers.

[0032] Step 102: In response to receiving the installment payment request, send the preset portrait to a third-party system so that the third-party system can review the preset portrait.

[0033] In this embodiment, when the installment payment requirement of the user to be home improved is confirmed, a contract agreement can be signed. After the signing is completed (by the home improvement enterprise), an installment payment request can be sent through the user terminal. After the server receives the installment payment request, the preset portrait of the user to be home improved is sent to a third-party system (for example, a bank system). The third-party system can review the preset portrait to determine whether the preset portrait meets the requirements for entering the loan approval stage.

[0034] The review of the preset portrait by the third-party system may include: the user terminal receives the pre-review information input through the interface, including but not limited to the three elements of the user to be decorated, the front and back photos of the ID card, and the credit inquiry authorization letter, etc.; then the server receives the pre-review information sent by the user terminal and forwards the pre-review information to the third-party system, and the third-party system determines whether the pre-review information meets the pre-review passing conditions. When the preset is passed, the user to be decorated can enter installment information and submit materials with the third-party system, and complete the face-to-face signing of the installment agreement through the operation at the offline counter. After the above stages are completed, the third-party system (such as a bank or other capital provider) can provide access conditions and credit policies that match the qualifications of the user to be decorated, or a corresponding interest rate; after the above stages are completed, the loan approval stage can be entered.

[0035] Through online installment payment and installment handling, it overcomes the problems in the related technology that the installment handling of home decoration is carried out through offline connection, the time of the installment process is uncertain, and the efficiency is low.

[0036] Step 103: When a request for passing the review is received, evaluate the preset risks in the home decoration process, so that the third party makes a loan for the home decoration cost based on the evaluation result.

[0037] In this embodiment, when entering the loan approval stage, risk assessment can be carried out at the start stage and the mid-stage of the home decoration process to achieve risk monitoring; and the evaluation result is sent to the third-party system, and the third-party system makes a loan based on the evaluation result. Through the monitoring and early warning of risks, the financial security of the installment loan process is improved, and the post-loan risk is reduced.

[0038] This embodiment improves the conversion rate of the installment business in the home decoration industry, the handling efficiency of the installment payment business, and the financial security of the installment business by realizing the combination of the installment business and marketing, the digitization of the installment payment process; and the risk early warning of the home decoration enterprise.

[0039] As an optional implementation manner of this embodiment, when a request for passing the review is received, evaluating the preset risks in the home decoration process so that the third party makes a loan for the home decoration cost based on the evaluation result includes: when a request for passing the review is received, performing risk assessment on the enterprises participating in the home decoration at different stages of the home decoration progress to obtain an evaluation report; sending the evaluation report to the third-party system, so that the third-party system makes a loan for the home decoration enterprise at different stages based on the evaluation report.

[0040] In this alternative implementation, risk assessment can be carried out during the start-up stage and the mid-term acceptance stage of home improvement. During the start-up stage or the mid-term acceptance stage, by inputting information on the user side interface, the user side sends the information of this stage to the server side. The server side calculates the risk based on this information and sends the calculation result to a third-party system. If the server side corresponding to the third-party system determines that the calculation result does not meet the loan release requirements, it will not release the loan to the home improvement enterprise; if it determines that the calculation result meets the loan release requirements, it will release the loan to the home improvement enterprise.

[0041] As an alternative implementation of this embodiment, obtaining an evaluation report by performing risk assessment on the enterprises participating in home improvement at different stages of the home improvement progress includes: obtaining information of the enterprises participating in home improvement under a preset dimension; inputting the information under the preset dimension into a pre-established risk assessment model, and outputting a risk assessment score under the preset dimension.

[0042] In this alternative implementation, the information of the preset dimension may include, but is not limited to, the dimension information of the operation of the home improvement enterprise (for example, enterprise industrial and commercial / operation information), the information of the business dimension of the home improvement enterprise (for example, business fraud: business order scale / transaction authenticity, business quality: business order performance / start confirmation / mid-term acceptance situation), and the information of the business quality dimension (for example, business order performance / start confirmation / mid-term acceptance situation, etc.), credit risk (information such as being executed / dishonest / limited height / social public opinion, etc.).

[0043] After obtaining the information under the preset dimension, the risk scores under each preset dimension can be calculated respectively.

[0044] As an alternative implementation of this embodiment, the method further includes: when receiving a request for passing the review, obtaining image information of different stages of the home improvement progress; after verifying the authenticity of the image information, sending the verification result and the evaluation report to the third-party system.

[0045] In this alternative implementation method, during the start-up stage and the mid-term acceptance stage of the home improvement progress, while assessing risks, authenticity verification also needs to be carried out, thereby further enhancing the financial security during the loan release stage. By generating a final report through transaction authenticity verification and the risk monitoring and early warning results of the home improvement enterprise, and then, at different stages, sending the obtained final report to the third-party system, and the third-party system makes a fiduciary payment to the home improvement enterprise when the transaction is real and the risk of the home improvement enterprise is controllable.

[0046] Furthermore, the user can upload photos of the start-up stage and the mid-term acceptance stage through the user side interface and conduct online review of the photos to complete the authenticity verification.

[0047] Exemplarily, refer toFigure 2 , Figure 2 shows the authenticity review during the start confirmation stage and the mid-term acceptance stage of the home improvement process, as well as the risk review of home improvement enterprises. After the start of construction, the first loan application is initiated. In the start confirmation link, the authenticity of the transaction is verified through on-site investigation, and the home improvement enterprises are monitored and warned from multiple dimensions of business risk, operation risk, and credit risk. The results of the transaction authenticity verification and the enterprise risk monitoring results are generated into a report and sent to a third-party system to ensure the authenticity of the transaction. When the enterprise is at low risk, the entrusted payment is released to the account of the home improvement enterprise. The mid-term acceptance link is the same as the start stage and will not be elaborated here.

[0048] This embodiment can also adjust and optimize the service plan from the following dimensions after the business is implemented to better serve home improvement enterprises and homeowners. The objects of optimization include but are not limited to optimizing the accuracy rate of the preset portrait. The rules for calculating the preset portrait can be adjusted through historical data, thereby improving the accuracy rate of the preset portrait. Specifically, the calculation rules of the credit limit can be adjusted based on the credit limit calculated from historical data and the credit limit finally set by the third-party system, so as to make the credit limit match the credit limit finally set by the third-party system (for example, the difference is less than the preset value), to ensure that the credit limit given to the user by the budget portrait is the final amount that can be obtained from the bank.

[0049] Exemplarily, the budget portrait pre-sets the bank's access credit policy for initial user screening and gives a credit limit based on the income-debt ratio filled in by the user. After the business is implemented, through data analysis of the credit results of the budget portrait and the final loan results of the bank, guidance is provided for filling in the income-debt ratio to ensure that the credit limit given to the user by the budget portrait is the final amount that can be obtained from the bank.

[0050] Furthermore, the application time limit of installment payments can also be optimized. An installment payment needs to go through access pre-approval, installment information entry, face-to-face signing of the installment agreement, installment approval, and activation of the loan approval card in the third-party system. After the business is implemented, by analyzing the approval time limits of each node in the third-party system, for nodes with longer time limits, the method of this embodiment can be optimized (it can also be optimized from the system and business aspects) to enable users to operate online and have faster approval and loan release.

[0051] Furthermore, the optimization of risk control-related indicator monitoring can also be carried out. Risk control optimization can include two parts. One part is the verification of transaction authenticity. The automated verification strategy is optimized through business data to reduce the proportion of manual intervention, improve the user experience, and save business operation costs. The other part is the risk monitoring and warning of home improvement enterprises. Corresponding indicator strategies are developed for the business data module of installment applications to achieve more-dimensional monitoring and warning of home improvement enterprises, and better experiences and more cost-effective products are provided to home improvement enterprises and users at the business front end through risk management.

[0052] In this embodiment, installment payment is added during the marketing stage. Through the bank approval nodes after digital transformation and the risk management during the pre-loan and in-loan periods, a digital installment payment system is built to improve the store visit rate, conversion rate, and customer unit price of home improvement enterprises, achieving the purpose of driving banks and empowering home improvement enterprises.

[0053] It should be noted that the steps shown in the flowchart of the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. And although the logical order is shown in the flowchart, in some cases, the steps shown or described can be executed in a different order than here.

[0054] According to an embodiment of the present disclosure, there is also provided a device for implementing the above-mentioned information processing method for home improvement. The device includes: a portrait determination unit configured to, after receiving preset information sent by a user terminal, determine a preset portrait corresponding to the preset information based on the preset information; an audit unit configured to, in response to receiving an installment payment request, send the preset portrait to a third-party system so that the third-party system audits the preset portrait; an evaluation unit configured to, when receiving a request for passing the audit, evaluate preset risks during the home improvement process so that the third party makes a loan for the home improvement cost based on the evaluation result.

[0055] As an optional implementation manner of this embodiment, the evaluation unit is further configured to: when receiving a request for passing the audit, perform a risk assessment on the enterprises participating in the home improvement at different stages of the home improvement progress to obtain an evaluation report; send the evaluation report to the third-party system so that the third-party system makes loans to the home improvement enterprises at different stages based on the evaluation report.

[0056] An embodiment of the present disclosure provides an electronic device, as Figure 3 shown. The electronic device includes one or more processors 31 and a memory 32. Figure 3 Here, one processor 31 is taken as an example.

[0057] The controller may further include: an input device 33 and an output device 34.

[0058] The processor 31, the memory 32, the input device 33, and the output device 34 may be connected through a bus or other means. Figure 3 Here, connection through a bus is taken as an example.

[0059] The processor 31 may be a Central Processing Unit (CPU). The processor 31 may also be other general-purpose processors, Digital Signal Processors (DSPs), Application Specific Integrated Circuits (ASICs), Field-Programmable Gate Arrays (FPGAs), or other programmable logic devices, discrete gate or transistor logic devices, discrete hardware components, etc. chips, or combinations of the above types of chips. The general-purpose processor may be a microprocessor or the processor may also be any conventional processor, etc.

[0060] The memory 32, as a non-transitory computer-readable storage medium, can be used to store non-transitory software programs, non-transitory computer-executable programs, and modules, such as the program instructions / modules corresponding to the control method in the embodiments of the present disclosure. The processor 31 executes various functional applications and data processing of the server by running the non-transitory software programs, instructions, and modules stored in the memory 32, that is, implements the methods in the above method embodiments.

[0061] The memory 32 may include a program storage area and a data storage area. Among them, the program storage area can store an operating system and application programs required for at least one function; the data storage area can store data created according to the use of the processing device of the server operation, etc. In addition, the memory 32 may include high-speed random access memory, and may also include non-transitory memory, such as at least one magnetic disk storage device, flash memory device, or other non-transitory solid-state storage devices. In some embodiments, the memory 32 may optionally include a memory remotely set relative to the processor 31, and these remote memories can be connected to the network connection device through a network. Examples of the above networks include but are not limited to the Internet, enterprise intranets, local area networks, mobile communication networks, and combinations thereof.

[0062] The input device 33 can receive input digital or character information, and generate key signal inputs related to the user settings and function controls of the processing device of the server. The output device 34 may include display devices such as a display screen.

[0063] One or more modules are stored in the memory 32, and when executed by one or more processors 31, execute as Figure 1 shown in the method.

[0064] Those skilled in the art can understand that to implement all or part of the processes in the above-described embodiment methods, it can be completed by instructing relevant hardware through a computer program. The program can be stored in a computer-readable storage medium. When the program is executed, it can include the processes of the above-described embodiments of each motor control method. Among them, the storage medium can be a magnetic disk, an optical disk, a read-only memory (ROM), a random access memory (RAM), a flash memory, a hard disk drive (HDD), or a solid-state drive (SSD), etc.; the storage medium can also include a combination of the above-mentioned types of memories.

[0065] Although the embodiments of the present disclosure have been described in conjunction with the accompanying drawings, those skilled in the art can make various modifications and variations without departing from the spirit and scope of the present disclosure. Such modifications and variations all fall within the scope defined by the appended claims.

Claims

1. An information processing method for home decoration, characterized in that, Including: After receiving the preset information sent by the client, determining the preset portrait corresponding to the preset information based on the preset information, including after receiving the preset information of the user to be decorated, inputting the preset information into a pre-established calculation model, and outputting the credit limit of the current user to be decorated. Based on the preset portrait, determining a home decoration plan that matches the credit limit from the database. Among them, the user portrait is the credit limit owned by the user to be decorated, and the preset information includes the information of the house to be decorated and the basic family information of the user to be decorated. The information of the house to be decorated includes the community information where the house to be decorated is located, the building area of the house to be decorated, and the monthly mortgage payment. The basic family information of the user to be decorated includes the information of whether there is an overdue, the average monthly income information of the family, and the monthly debt amount information of the family; In response to receiving the installment payment request, sending the preset portrait to the third-party system so that the third-party system can review the preset portrait; After receiving the request for successful review, evaluating the preset risks during the home decoration process so that the third party can release the home decoration expenses based on the evaluation results, including: after receiving the request for successful review, conducting a risk assessment on the enterprises participating in the home decoration at different stages of the home decoration progress to obtain an evaluation report; sending the evaluation report to the third-party system so that the third-party system can release the funds to the enterprises participating in the home decoration at different stages based on the evaluation report. Among them, conducting a risk assessment on the enterprises participating in the home decoration at different stages of the home decoration progress to obtain an evaluation report includes: obtaining the information of the enterprises participating in the home decoration under the preset dimension; inputting the information under the preset dimension into a pre-established risk assessment model, and outputting the risk assessment score under the preset dimension; Among them, conducting a risk assessment on the enterprises participating in the home decoration at different stages of the home decoration progress includes conducting a risk assessment at the start stage and the mid-term acceptance stage of the home decoration.

2. The information processing method for home decoration according to claim 1, characterized in that, The method further includes: After receiving the request for successful review, obtaining the image information at different stages of the home decoration progress; After verifying the authenticity of the image information, sending the verification result and the evaluation report to the third-party system.

3. An information processing device for home decoration, characterized in that, Including: A portrait determination unit, configured to determine the preset portrait corresponding to the preset information based on the preset information after receiving the preset information sent by the client, including after receiving the preset information of the user to be decorated, inputting the preset information into a pre-established calculation model, and outputting the credit limit of the current user to be decorated. Based on the preset portrait, determining a home decoration plan that matches the credit limit from the database. Among them, the user portrait is the credit limit owned by the user to be decorated, and the preset information includes the information of the house to be decorated and the basic family information of the user to be decorated. The information of the house to be decorated includes the community information where the house to be decorated is located, the building area of the house to be decorated, and the monthly mortgage payment. The basic family information of the user to be decorated includes the information of whether there is an overdue, the average monthly income information of the family, and the monthly debt amount information of the family; An auditing unit, configured to send the preset portrait to a third-party system in response to receiving an installment payment request, so that the third-party system audits the preset portrait; An evaluation unit, configured to evaluate preset risks in the home improvement process when receiving a request for passing the audit, so that a third party makes a loan for the home improvement cost based on the evaluation result, including: when receiving a request for passing the audit, performing a risk assessment on the enterprises participating in the home improvement at different stages of the home improvement progress to obtain an evaluation report; sending the evaluation report to the third-party system, so that the third-party system makes loans to the enterprises participating in the home improvement at different stages based on the evaluation report, wherein performing a risk assessment on the enterprises participating in the home improvement at different stages of the home improvement progress to obtain an evaluation report includes: obtaining information of the enterprises participating in the home improvement under a preset dimension; inputting the information under the preset dimension into a pre-established risk assessment model, and outputting a risk assessment score under the preset dimension; Wherein, performing a risk assessment on the enterprises participating in the home improvement at different stages of the home improvement progress includes performing risk assessments at the start stage and the mid-term acceptance stage of the home improvement.

4. A computer-readable storage medium, characterized in that, The computer-readable storage medium stores computer instructions for causing the computer to execute the information processing method for home improvement according to any one of claims 1-2.

5. An electronic device, characterized in that, Including: At least one processor; And a memory communicatively connected to the at least one processor; wherein, the memory stores a computer program executable by the at least one processor, and the computer program is executed by the at least one processor to cause the at least one processor to execute the information processing method for home improvement according to any one of claims 1-2.

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