Home decoration credit business auditing method and device and electronic equipment

Abstract

The invention discloses a home decoration credit business auditing method and device and electronic equipment, and the method comprises the steps: carrying out the recognition of a home decoration scene of a target user based on a video image in a video call, and obtaining a recognition result; and determining an auditing result of the home decoration credit service based on the identification result and user application information in the home decoration credit service initiated by the target user. The problem that time and labor are consumed when the home decoration scene of the user needs to be evaluated in an on-site exploration mode in the prior art is solved, and the effects that the home decoration scene of the user can be explored through the remote video, exploration efficiency is improved, manpower is saved, and the handling experience of the user in the aspect of home decoration credit business is provided are achieved.

Description

Technical Field

[0001] The present invention relates to the technical field of credit business processing, and in particular to a review method, device and electronic equipment for home improvement credit business. Background Art

[0002] Currently, when approving home improvement credit applications, financial institutions rely primarily on surveyors conducting on-site inspections of users' home renovation scenarios to determine whether to provide them with home improvement credit services. However, this business review process is time-consuming and labor-intensive, and users experience a poor experience with home improvement credit services.

[0003] In order to solve the above problems, it is necessary to improve the review methods of home improvement credit business. Summary of the Invention

[0004] The present invention provides a method, device and electronic equipment for reviewing home improvement credit business, so as to solve the problem in the prior art that it is time-consuming and labor-intensive to evaluate the user's home improvement scene through on-site investigation.

[0005] In a first aspect, an embodiment of the present invention provides a method for reviewing a home improvement credit business, comprising:

[0006] Identify the target user's home decoration scene based on the video image in the video call and obtain a recognition result;

[0007] Based on the identification result and user application information in the home improvement credit business initiated by the target user, a review result of the home improvement credit business is determined.

[0008] In a second aspect, an embodiment of the present invention further provides a review device for home improvement credit business, including:

[0009] A recognition result determination module is used to identify the home decoration scene of the target user based on the video image in the video call and obtain a recognition result;

[0010] The audit result determination module is used to determine the audit result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user.

[0011] In a third aspect, an embodiment of the present invention further provides an electronic device, including:

[0012] at least one processor; and

[0013] a memory communicatively connected to at least one processor; wherein,

[0014] The memory stores a computer program that can be executed by at least one processor. The computer program is executed by at least one processor so that the at least one processor can execute the home improvement credit business review method of any embodiment of the present invention.

[0015] In a fourth aspect, an embodiment of the present invention further provides a computer-readable storage medium storing computer instructions, which are used to enable a processor to implement the home improvement credit business review method of any embodiment of the present invention when executed.

[0016] In a fifth aspect, an embodiment of the present invention further provides a computer program product, including a computer program, which, when executed by a processor, implements a method for reviewing home improvement credit business as described in any one of the embodiments of the present invention.

[0017] The technical solution of the embodiment of the present invention obtains an identification result by identifying the home improvement scene of the target user based on the video image in the video call; and determines the review result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user. In this technical solution, the home improvement scene image in the home improvement credit business applied for by the target user is obtained by means of a video call, and the construction stage, residential building type and indoor configuration result in the home improvement process are determined by identifying the pretend scene image. Furthermore, the user application information submitted by the target user is combined to evaluate whether to provide the home improvement credit business service to the target user, as well as the home improvement expenses provided to the target user, which solves the problem of the existing technology that it is time-consuming and labor-intensive to evaluate the user's home improvement scene through on-site investigation, and realizes the investigation of the user's home improvement scene through remote video, thereby improving the investigation efficiency, saving manpower, and providing users with a better experience in handling home improvement credit business.

[0018] It should be understood that the content described in this section is not intended to identify the key or important features of the embodiments of the present invention, nor is it intended to limit the scope of the present invention. Other features of the present invention will become readily understood through the following description. BRIEF DESCRIPTION OF THE DRAWINGS

[0019] In order to more clearly illustrate the technical solutions in the embodiments of the present invention, the following briefly introduces the drawings required for use in the description of the embodiments. Obviously, the drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without creative work.

[0020] Figure 1 This is a flow chart of a method for reviewing home improvement credit business provided according to the first embodiment of the present invention;

[0021] Figure 2 This is a flow chart of a method for reviewing home improvement credit business according to the second embodiment of the present invention;

[0022] Figure 3 This is a flowchart of a specific example of a method for reviewing home improvement credit business provided in accordance with the second embodiment of the present invention;

[0023] Figure 4 This is a schematic diagram of the structure of a review device for home improvement credit business provided in accordance with a third embodiment of the present invention;

[0024] Figure 5 The present invention is a schematic diagram of the structure of an electronic device for implementing the home improvement credit business review method according to an embodiment of the present invention. DETAILED DESCRIPTION

[0025] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only embodiments of a part of the present invention, not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work should fall within the scope of protection of the present invention. The acquisition, transmission, storage, use, and processing of data in the technical solution of this application comply with the relevant provisions of national laws and regulations. It should be noted that in the embodiments of this application, certain software, components, or models that already exist in the industry may be mentioned. They should be regarded as exemplary. Their purpose is only to illustrate the feasibility of the implementation of the technical solution of this application, but it does not mean that the applicant has or must use the solution.

[0026] It should be noted that the terms "first," "second," and the like in the description and claims of the present invention and the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a specific order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate, such that the embodiments of the present invention described herein can be practiced in an order other than that illustrated or described herein.

[0027] Example 1

[0028] Figure 1A flowchart of a method for reviewing a home improvement credit business is provided for the first embodiment of the present invention. This embodiment can be applied to situations where a user's home improvement scene is surveyed through a video call, and the user's home improvement credit business is approved based on the user application information submitted by the user and the identification result of the home improvement scene. The method can be executed by a review device for a home improvement credit business. The review device for a home improvement credit business can be implemented in the form of hardware and / or software. The review device for a home improvement credit business can be configured in a computing device that can execute the review method for a home improvement credit business.

[0029] like Figure 1 As shown, the method includes:

[0030] S110 : Recognize the home decoration scene of the target user based on the video image in the video call to obtain a recognition result.

[0031] Target users are those who need home improvement loan approval and are about to establish or have already established a video call with a loan approval officer. Home improvement scenarios refer to the indoor scenes where the target users need to renovate, including both soft furnishings and hard furnishings. Recognition results include at least one of the following attributes: construction stage, residential building type, and interior configuration value, corresponding to the home improvement scenario.

[0032] For example, in the home decoration scene, it includes the construction of the indoor basic framework, laying of pipelines, painting of walls, laying of floors, installation of pipelines, and placement of indoor configurations, etc. Among them, the indoor configurations include furniture and / or home appliances.

[0033] Optionally, the home decoration scene of the target user is identified based on the video image in the video call to obtain an identification result, including: establishing a video call with the target user when a video call request initiated by the target user is received; taking a screenshot of the video call in real time to obtain at least one home decoration scene image corresponding to the home decoration scene; and identifying the home decoration scene based on at least one home decoration scene image to obtain an identification result.

[0034] In actual applications, when a target user needs to apply for a home improvement loan, they can apply for a home improvement loan from a financial institution. Specifically, the target user can initiate a video call request with the financial institution as needed. After the credit approval officer at the financial institution receives the video call request, they communicate with the target user via video call. To better understand the target user's home improvement scene and construction progress, the credit approval officer can instruct the target user to take real-life photos of the home improvement scene during the video call. Based on the approval requirements of the home improvement loan, screenshots can be taken during the video call to obtain at least one home improvement scene image, which can then be analyzed and identified for objects in each home improvement scene image to obtain recognition results.

[0035] For example, the credit approval personnel instruct the target user to take photos of the basic framework, pipeline laying, walls or furniture and appliances of the interior decoration, and take screenshots when the target user displays the corresponding home decoration scene to obtain at least one home decoration scene image.

[0036] Furthermore, the home decoration scene is identified based on at least one home decoration scene image to obtain an identification result, including: identifying the construction scene information in the home decoration scene image to obtain the construction stage corresponding to the home decoration scene; identifying the residential related information contained in the home decoration scene image to obtain the residential building type corresponding to the home decoration scene; identifying at least one indoor configuration in the home decoration scene image to obtain the indoor configuration value attribute corresponding to the home decoration scene.

[0037] Residential related information includes residential type and / or apartment layout. Identification results include construction stage, residential building type, and interior configuration value attributes.

[0038] In this technical solution, when approving home improvement credit business based on home improvement scenarios, the assessment is mainly conducted from three dimensions, including the construction stage of the home improvement process, the type of residential building, and the value attributes of the interior configuration.

[0039] The reason for this setup is that target users will require different amounts for home improvement projects depending on the construction stage, residential building type, and interior design value attributes. Therefore, financial institutions can more accurately assess the target user's credit authorization limit based on the construction stage, residential building type, and interior design value attributes of the home improvement process. The home improvement amount refers to the amount of financing the target user wishes to apply for from a financial institution for home improvement credit, while the credit authorization limit refers to the amount of financing that the financial institution can disburse to the target user after assessment.

[0040] In a specific example, each home improvement scene image is pre-processed for image denoising and enhancement, and a pre-trained image recognition model is used to infer each home improvement scene. For example, a residual neural network (i.e., a ResNet model) or a Vision Transformer model performs image recognition on the home improvement scene image to obtain the construction stage corresponding to the home improvement scene. For example, if it is determined based on the home improvement scene image that the home improvement process is in a rough scene, the construction stage is determined to be the pre-construction stage; if the home improvement scene image contains information such as the stacking of construction materials, the construction of the basic framework, or the laying of pipelines, the construction stage is determined to be the early construction stage; if the home improvement scene image contains painted walls, laid floors, or deployed pipelines, the construction stage is determined to be the mid-construction stage; if the home improvement scene image contains the placement of indoor configurations such as furniture and appliances, the construction stage is determined to be the late construction stage.

[0041] At the same time, target detection models such as the YOLO model and the Swin Transformer model are used to identify the apartment type and interior configuration value range shown in the home decoration scene image. For example, in the later stages of construction, the value range of interior configurations such as furniture and appliances can be used to identify living rooms (including furniture and appliances such as sofas, TVs, coffee tables, and air conditioners), bedrooms (including furniture such as beds, wardrobes, and nightstands), bathrooms (including bathroom facilities such as sinks, toilets, and shower heads), and kitchens (including typical kitchen equipment such as cabinets, stoves, dishwashers, and range hoods). At the same time, the functional areas of the interior are identified based on the home decoration scene images, and the apartment type corresponding to the target user's residential building is determined based on the recognition results (such as a two-bedroom, one-living room, one kitchen, and one bathroom).

[0042] At the same time, a scene OCR recognition model, such as a coupled model based on the CRAFT model and the CRNN model or the SwinTextSpotter model, is used to recognize home decoration scene images to obtain information such as the community name, building number, unit number, and room number of the target user's residential building to determine the target user's residential building type. For example, the residential building type may be a multi-story building, a low-rise building, a high-rise building, a townhouse, or a villa.

[0043] S120: Determine a review result of the home improvement credit business based on the identification result and user application information in the home improvement credit business initiated by the target user.

[0044] Among them, user application information includes the user's basic information, salary information, work information, credit assessment information, etc., as well as information such as construction stage and residential building type.

[0045] For example, the user's personal information includes basic user information, salary information, work information, and credit assessment information. The credit application information includes the target user's home improvement expenses, loan term, and repayment method. The user's renovation information includes the construction stage and residential building type.

[0046] Furthermore, by comparing the recognition result of the home improvement scene and the user application information of the target user to see if they match, the credit review result of the target user's home improvement credit business is determined to determine whether to approve the target user's application request for the home improvement credit business.

[0047] The technical solution of the embodiment of the present invention obtains an identification result by identifying the home improvement scene of the target user based on the video image in the video call; and determines the review result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user. In this technical solution, the home improvement scene image in the home improvement credit business applied for by the target user is obtained by means of a video call, and the construction stage, residential building type and indoor configuration result in the home improvement process are determined by identifying the pretend scene image. Furthermore, the user application information submitted by the target user is combined to evaluate whether to provide the home improvement credit business service to the target user, as well as the home improvement expenses provided to the target user, which solves the problem of the existing technology that it is time-consuming and labor-intensive to evaluate the user's home improvement scene through on-site investigation, and realizes the investigation of the user's home improvement scene through remote video, thereby improving the investigation efficiency, saving manpower, and providing users with a better experience in handling home improvement credit business.

[0048] Example 2

[0049] Figure 2 This is a flowchart of a method for reviewing a home improvement credit business provided in the second embodiment of the present invention. Optionally, the review result of the home improvement credit business is determined to be refined based on the identification result and the user application information in the home improvement credit business initiated by the target user.

[0050] like Figure 2 As shown, the method includes:

[0051] S210: Identify the home decoration scene of the target user based on the video image in the video call to obtain a recognition result.

[0052] In a specific example, Figure 3 As shown, the target user can initiate a video call request through the user end. After being processed by the video call module, the video call request is sent to the credit approval officer end. When the credit approval officer receives the video call request, he can establish a video call with the target user.

[0053] During the video call, the credit approval officer can take a screenshot of the home improvement scene in the video according to the credit approval requirements to obtain at least one home improvement scene image. It is understood that if the resolution of the home improvement scene image obtained by the screenshot is lower than the preset resolution, the credit approval officer will be prompted to take a new screenshot.

[0054] On this basis, the scene recognition module analyzes and processes the images of each home improvement scene to determine the identification results such as the construction stage, residential building type, and indoor configuration value attributes in the home improvement credit business applied for by the target user.

[0055] It should be noted that after a video call with a target user, credit reviewers can save the call video for subsequent tracing of the target user's home improvement loan processing, or retrieve and review the call video with the target user as needed. To ensure data security, the data security module can use encryption technologies such as SSL / TLS protocols to protect user data during the transmission and storage of call video data, strictly controlling data access rights to ensure that only authorized personnel can access and process stored call videos, thereby ensuring the legitimacy and security of user data.

[0056] S220: Obtain user application information uploaded by the target user from the user information system.

[0057] Among them, the user information system refers to the system used for user application information uploaded by users.

[0058] In this technical solution, the user information system is mainly used to store user application information uploaded by users applying for home improvement credit services.

[0059] S230: Compare the user application information and the identification result, and determine the review result of the home improvement credit business based on the comparison result.

[0060] Based on the above example, see again Figure 3 The credit assessment module can evaluate the home improvement credit business by combining the user application information and the identification results, and determine the review result of the home improvement credit business by comparing whether the user application information and the identification results are consistent.

[0061] On this basis, the user application information and recognition results of the target user are compared. For example, the user application information includes the user's basic information, salary information, work information, credit assessment information, etc., as well as information such as the construction stage and residential building type. If the home decoration scene information contained in the user application information is consistent with the recognition result based on the home decoration scene image, the recognition result is a match; otherwise, the recognition result is a mismatch.

[0062] Optionally, if the comparison result between the user application information and the recognition result is a match, the construction stage of the home improvement scene is determined; based on the user application information and the construction stage, the review result of the home improvement credit business is determined.

[0063] Among them, the construction stage includes the pre-construction stage, the early construction stage, the mid-construction stage and the late construction stage.

[0064] Specifically, after receiving the user application information, it is necessary to compare the user application information with the recognition results corresponding to the home improvement scene image to determine the review result of the home improvement credit business based on the comparison result.

[0065] Optionally, the review result of the home improvement credit business is determined based on the user's application information and the construction stage, including: if the home improvement scene is in the pre-construction stage, the early stage of construction or the middle stage of construction, the review result of the home improvement credit business is determined based on the home improvement expenses in the user's application information and the upper limit application amount of the target user; if the home improvement scene is in the late stage of construction, the review result of the home improvement credit business is determined based on the upper limit application amount of the target user and the indoor configuration value attribute.

[0066] Among them, the upper limit application amount is determined based on the user credit assessment attributes in the user application information.

[0067] In the actual review process of home improvement credit business, the main purpose of the review is to determine whether the target user has real home improvement needs and home improvement expenses, and to evaluate the authorized credit line that can be provided to the target user based on the existence of home improvement needs. In the actual review process, it was found that when the construction phase is in the pre-construction stage, the early stage of construction, and the middle stage of construction, the target user's home improvement needs are real and there is a real need to apply for home improvement expenses. However, when the construction phase enters the late stage, although the target user's home improvement needs are real, there may not be real home improvement users applying for home improvement expenses at this time, and the authorized credit line for home improvement users also requires further evaluation.

[0068] Specifically, after image recognition of the home improvement scene, it is determined whether the home improvement scene is in the pre-construction stage, the early stage of construction, or the mid-stage of construction, confirming that the target user actually has a need for home improvement. At this point, it is necessary to further evaluate whether to approve the target user's home improvement credit business. If the home improvement expenses in the user's application information are greater than or equal to the target user's upper limit application amount, it means that based on the target user's user assessment attributes, the home improvement expenses applied by the target user exceed the upper limit application amount that can be issued to them. At this time, it is necessary to prompt the target user of the upper limit application amount that can be provided to them, and after obtaining the target user's confirmation, determine that the target user's home improvement credit business review result is approved.

[0069] If the home renovation scene is in the later stages of construction, it is necessary to determine whether the target user actually has home renovation needs during the renovation process. At this point, the value range of each interior configuration in the home renovation scene image is evaluated, and the value attribute of the interior configuration corresponding to this home renovation credit business is determined based on the sum of the value attributes corresponding to all interior configurations in the home renovation scene. Furthermore, if the home renovation expenses requested in the user's application information are less than or equal to the interior configuration value attribute, the home renovation credit business is determined to be approved.

[0070] If the home improvement expenses exceed the indoor configuration value attribute, the home improvement credit business will be determined to have failed the review. In this case, the target user will be prompted with the upper limit of the application amount that can be provided to them. After obtaining the target user's confirmation, the home improvement credit business review result for the target user will be determined to have passed.

[0071] Optionally, it also includes: if the comparison result between the user's application information and the identification result does not match, the review result of the home improvement credit business will be rejected.

[0072] It should be noted that in this technical solution, when the audit result is failure, the target user will be shown the matching failure information during the home improvement credit business application process, and will be prompted to re-fill in and submit the information to be reviewed; when the information to be reviewed re-uploaded by the target user is received, the home improvement scene will be re-reviewed based on the target user's home improvement scene video and the information to be reviewed to obtain the audit result of the home improvement credit business.

[0073] The information to be reviewed is the resubmitted user application information. The home decoration scene video includes historical home decoration scene videos and / or real-time home decoration scene videos.

[0074] Specifically, after the target user re-fills in and submits the information to be reviewed, the credit reviewer needs to re-evaluate the target user's home improvement credit business. Since the credit reviewer has previously conducted a video call with the target user and recorded the video, when the target user's home improvement credit business application is received again, two home improvement scene evaluation methods can be provided to the target user. The first is to re-establish the video call to re-review the business based on the real-time home improvement scene video and the information to be reviewed in the video call to obtain the review result; the second is to re-review the business based on the most recent historical home improvement scene video between the target user and the credit reviewer and the resubmitted information to be reviewed to obtain the review result.

[0075] The advantage of this setting is that by providing diversified home decoration scene assessment methods, it can more flexibly meet the application needs of different users. And because the historical home decoration scene video has already conducted a preliminary assessment of the user's home decoration scene, when conducting an audit based on the historical home decoration scene video, it can effectively improve the audit efficiency, reduce the workload of credit reviewers, and at the same time reduce the number of video calls for users, thereby improving the user's business experience.

[0076] The technical solution of the embodiment of the present invention obtains an identification result by identifying the home improvement scene of the target user based on the video image in the video call; and determines the review result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user. In this technical solution, the home improvement scene image in the home improvement credit business applied for by the target user is obtained by means of a video call, and the construction stage, residential building type and indoor configuration result in the home improvement process are determined by identifying the pretend scene image. Furthermore, the user application information submitted by the target user is combined to evaluate whether to provide the home improvement credit business service to the target user, as well as the home improvement expenses provided to the target user, which solves the problem of the existing technology that it is time-consuming and labor-intensive to evaluate the user's home improvement scene through on-site investigation, and realizes the investigation of the user's home improvement scene through remote video, thereby improving the investigation efficiency, saving manpower, and providing users with a better experience in handling home improvement credit business.

[0077] Example 3

[0078] Figure 4 This is a schematic diagram of the structure of a review device for home improvement credit business provided by the third embodiment of the present invention. Figure 4 As shown, the device includes: an identification result determination module 310 and an audit result determination module 320.

[0079] The recognition result determination module 310 is used to identify the home decoration scene of the target user based on the video image in the video call to obtain a recognition result;

[0080] The review result determination module 320 is used to determine the review result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user.

[0081] The technical solution of the embodiment of the present invention obtains an identification result by identifying the home improvement scene of the target user based on the video image in the video call; and determines the review result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user. In this technical solution, the home improvement scene image in the home improvement credit business applied for by the target user is obtained by means of a video call, and the construction stage, residential building type and indoor configuration result in the home improvement process are determined by identifying the pretend scene image. Furthermore, the user application information submitted by the target user is combined to evaluate whether to provide the home improvement credit business service to the target user, as well as the home improvement expenses provided to the target user, which solves the problem of the existing technology that it is time-consuming and labor-intensive to evaluate the user's home improvement scene through on-site investigation, and realizes the investigation of the user's home improvement scene through remote video, thereby improving the investigation efficiency, saving manpower, and providing users with a better experience in handling home improvement credit business.

[0082] Optionally, the recognition result determination module includes: a call establishment submodule, configured to establish a video call with the target user upon receiving a video call request initiated by the target user;

[0083] A screenshot submodule, configured to take screenshots of the video call in real time to obtain at least one home decoration scene image corresponding to the home decoration scene;

[0084] The recognition result determination submodule is used to recognize the home decoration scene based on at least one home decoration scene image to obtain a recognition result.

[0085] Optionally, the recognition result determination submodule includes: a first determination unit, configured to identify construction scene information in the home improvement scene image to obtain a construction stage corresponding to the home improvement scene;

[0086] A second determining unit is configured to identify residential related information contained in the home decoration scene image to obtain a residential building type corresponding to the home decoration scene; wherein the residential related information includes a residential type and / or apartment type;

[0087] The third determining unit is configured to identify at least one indoor configuration in the home decoration scene image and obtain an indoor configuration value attribute corresponding to the home decoration scene.

[0088] Optionally, the audit result determination module includes: an application information acquisition submodule for acquiring user application information uploaded by the target user from the user information system;

[0089] The audit result determination submodule is used to compare the user application information and the identification results, and determine the audit result of the home improvement credit business based on the comparison results.

[0090] Optionally, the audit result determination submodule includes: a construction stage determination unit, configured to determine the construction stage of the home improvement credit business if the comparison result between the user application information and the identification result is a match; wherein the construction stage includes the pre-construction stage, the early construction stage, the mid-construction stage, and the late construction stage;

[0091] The audit result determination unit is used to determine the audit result of the home improvement credit business based on the user's application information and the construction stage.

[0092] Optionally, the audit result determination unit includes: a first audit result determination subunit, configured to determine an audit result of the home improvement credit business based on the home improvement expenses in the user application information and the upper limit application amount of the target user if the home improvement scenario is in the pre-construction stage, the pre-construction stage, or the mid-construction stage;

[0093] The second audit result determination sub-unit is used to determine the audit result of the home improvement credit business based on the target user's upper limit application amount and indoor configuration value attributes if the home improvement scene is in the late stage of construction; among which, the upper limit application amount is determined based on the user credit assessment attributes in the user application information.

[0094] Optionally, the review device for the home improvement credit business further includes: a matching module, which is used to reject the review result of the home improvement credit business if the comparison result between the user application information and the identification result does not match.

[0095] Optionally, the review device for home improvement credit business also includes: a prompt module for

[0096] If the review result is unsuccessful, the target user will be shown a matching failure message during the home improvement credit application process, and will be prompted to re-fill in and submit the pending review information; the pending review information is the re-submitted user application information;

[0097] The re-examination module is used to re-examine the home decoration scene based on the target user's home decoration scene video and the information to be reviewed when receiving the information to be reviewed re-uploaded by the target user to obtain the review result of the home decoration credit business; wherein the home decoration scene video includes historical home decoration scene video and / or real-time home decoration scene video.

[0098] The home improvement credit business review device provided by the embodiment of the present invention can execute the home improvement credit business review method provided by any embodiment of the present invention, and has the corresponding functional modules and beneficial effects of the execution method.

[0099] Example 4

[0100] Figure 5 A schematic diagram of the structure of an electronic device 10 of an embodiment of the present invention is shown. The electronic device is intended to represent various forms of digital computers, such as laptop computers, desktop computers, workstations, personal digital assistants, servers, blade servers, mainframe computers, and other suitable computers. The electronic device may also represent various forms of mobile devices, such as personal digital assistants, cellular phones, smart phones, wearable devices (such as helmets, glasses, watches, etc.) and other similar computing devices. The components shown herein, their connections and relationships, and their functions are merely examples and are not intended to limit the implementation of the present invention described and / or claimed herein.

[0101] like Figure 5As shown, the electronic device 10 includes at least one processor 11 and a memory, such as a read-only memory (ROM) 12, a random access memory (RAM) 13, etc., which is communicatively connected to the at least one processor 11. The memory stores a computer program that can be executed by the at least one processor. The processor 11 can perform various appropriate actions and processes according to the computer program stored in the read-only memory (ROM) 12 or the computer program loaded from the storage unit 18 into the random access memory (RAM) 13. Various programs and data required for the operation of the electronic device 10 can also be stored in the RAM 13. The processor 11, ROM 12, and RAM 13 are connected to each other via a bus 14. An input / output (I / O) interface 15 is also connected to the bus 14.

[0102] Multiple components in the electronic device 10 are connected to the I / O interface 15, including an input unit 16, such as a keyboard, a mouse, etc.; an output unit 17, such as various types of displays, speakers, etc.; a storage unit 18, such as a magnetic disk, an optical disk, etc.; and a communication unit 19, such as a network card, a modem, a wireless communication transceiver, etc. The communication unit 19 allows the electronic device 10 to exchange information / data with other devices via a computer network such as the Internet and / or various telecommunication networks.

[0103] Processor 11 can be any general-purpose and / or specialized processing component with processing and computing capabilities. Some examples of processor 11 include, but are not limited to, a central processing unit (CPU), a graphics processing unit (GPU), various specialized artificial intelligence (AI) computing chips, various processors running machine learning model algorithms, digital signal processors (DSPs), and any other suitable processors, controllers, microcontrollers, etc. Processor 11 executes the various methods and processes described above, such as the review method for home improvement credit business.

[0104] In some embodiments, the method for reviewing home improvement credit business may be implemented as a computer program, which is tangibly contained in a computer-readable storage medium, such as storage unit 18. In some embodiments, part or all of the computer program may be loaded and / or installed on the electronic device 10 via ROM 12 and / or communication unit 19. When the computer program is loaded into RAM 13 and executed by processor 11, one or more steps of the method for reviewing home improvement credit business described above may be performed. Alternatively, in other embodiments, processor 11 may be configured to execute the method for reviewing home improvement credit business in any other appropriate manner (e.g., by means of firmware).

[0105] Various embodiments of the systems and techniques described herein can be implemented in digital electronic circuit systems, integrated circuit systems, field programmable gate arrays (FPGAs), application specific integrated circuits (ASICs), application specific standard products (ASSPs), system-on-chip systems (SOCs), programmable logic devices (CPLDs), computer hardware, firmware, software, and / or combinations thereof. These various embodiments can include being implemented in one or more computer programs that are executable and / or interpreted on a programmable system that includes at least one programmable processor, which can be a special purpose or general purpose programmable processor that can receive data and instructions from a storage system, at least one input device, and at least one output device, and transmit data and instructions to the storage system, the at least one input device, and the at least one output device.

[0106] The computer programs used to implement the home improvement credit review methods of the present invention can be written in any combination of one or more programming languages. These computer programs can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing device, so that when executed by the processor, the functions / operations specified in the flowcharts and / or block diagrams are implemented. The computer programs can be executed entirely on the machine, partially on the machine, as a standalone software package, partially on the machine and partially on a remote machine, or entirely on a remote machine or server.

[0107] In the context of the present invention, computer-readable storage media can be tangible media that can contain or store a computer program for use with an instruction execution system, device or equipment or used in combination with an instruction execution system, device or equipment. Computer-readable storage media can include but are not limited to electronic, magnetic, optical, electromagnetic, infrared or semiconductor systems, devices or equipment, or any suitable combination of the foregoing. Alternatively, computer-readable storage media can be machine-readable signal media. More specific examples of machine-readable storage media can include electrical connections based on one or more lines, portable computer disks, hard disks, random access memories (RAM), read-only memories (ROM), erasable programmable read-only memories (EPROM or flash memory), optical fibers, portable compact disk read-only memories (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.

[0108] To provide interaction with a user, the systems and techniques described herein can be implemented on an electronic device having: a display device (e.g., a CRT (cathode ray tube) or LCD (liquid crystal display) monitor) for displaying information to the user; and a keyboard and pointing device (e.g., a mouse or trackball) through which the user can provide input to the electronic device. Other types of devices can also be used to provide interaction with the user; for example, the feedback provided to the user can be any form of sensory feedback (e.g., visual feedback, auditory feedback, or tactile feedback); and input from the user can be received in any form (including acoustic input, voice input, or tactile input).

[0109] The systems and techniques described herein can be implemented in a computing system that includes back-end components (e.g., as a data server), or a computing system that includes middleware components (e.g., an application server), or a computing system that includes front-end components (e.g., a user computer with a graphical user interface or web browser through which a user can interact with implementations of the systems and techniques described herein), or a computing system that includes any combination of such back-end components, middleware components, or front-end components. The components of the system can be interconnected by any form or medium of digital data communication (e.g., a communication network). Examples of communication networks include: a local area network (LAN), a wide area network (WAN), a blockchain network, and the Internet.

[0110] A computing system may include clients and servers. The clients and servers are typically remote from each other and typically interact via a communication network. This client-server relationship arises through computer programs running on the respective computers, creating a client-server relationship. The server may be a cloud server, also known as a cloud computing server or cloud host. This server is a hosting product within the cloud computing service ecosystem that addresses the management difficulties and limited scalability of traditional physical hosting and VPS services.

[0111] Example 5

[0112] An embodiment of the present invention also provides a computer program product, including a computer program, which, when executed by a processor, implements the home improvement credit business review method provided in any embodiment of the present application.

[0113] The computer program product may be implemented by writing computer program code for performing the operations of the present invention in one or more programming languages, or a combination thereof, including object-oriented programming languages ​​such as Java, Smalltalk, C++, and conventional procedural programming languages ​​such as "C" or similar programming languages. The program code may be executed entirely on the user's computer, partially on the user's computer, as a stand-alone software package, partially on the user's computer and partially on a remote computer, or entirely on a remote computer or server. In cases involving a remote computer, the remote computer may be connected to the user's computer via any type of network, including a local area network (LAN) or a wide area network (WAN), or may be connected to an external computer (e.g., via the Internet using an Internet service provider).

[0114] It should be understood that the various forms of the processes shown above can be used to reorder, add, or delete steps. For example, the steps described in the present invention can be performed in parallel, sequentially, or in a different order, as long as the desired results of the technical solution of the present invention can be achieved. This is not limited herein.

[0115] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may be made based on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A method for reviewing home improvement credit business, characterized in that: include: Identify the target user's home decoration scene based on the video image in the video call and obtain a recognition result; Based on the identification result and user application information in the home improvement credit business initiated by the target user, a review result of the home improvement credit business is determined.

2. The method according to claim 1, characterized in that Identify the target user's home decoration scene based on the video image in the video call and obtain the recognition results, including: Upon receiving a video call request initiated by a target user, establishing a video call with the target user; Taking screenshots of the video call in real time to obtain at least one home decoration scene image corresponding to the home decoration scene; The home decoration scene is recognized based on at least one home decoration scene image to obtain a recognition result.

3. The method according to claim 2, characterized in that The recognition results include construction stage, residential building type, and interior configuration value attributes. The home decoration scene is recognized based on at least one home decoration scene image, and the recognition results obtained include: Identify the construction scene information in the home improvement scene image and obtain the construction stage corresponding to the home improvement scene; Identify residential related information contained in the home decoration scene image to obtain the residential building type corresponding to the home decoration scene; wherein the residential related information includes residential type and / or apartment type; At least one indoor configuration in the home decoration scene image is identified to obtain an indoor configuration value attribute corresponding to the home decoration scene.

4. The method according to claim 1, characterized in that The determining of the review result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user includes: Obtain user application information uploaded by the target user from the user information system; Compare the user's application information and identification results, and determine the review results of the home improvement credit business based on the comparison results.

5. The method according to claim 4, characterized in that The comparison result includes a match or a mismatch. The user's application information and the identification result are compared, and the review result of the home improvement credit business is determined based on the comparison result, including: If the comparison result between the user's application information and the identification result is a match, the construction stage of the home improvement scene is determined; the construction stage includes the pre-construction stage, the early construction stage, the mid-construction stage, and the late construction stage; Determine the review results of home improvement credit business based on user application information and construction stage.

6. The method according to claim 5, characterized in that The review results of the home improvement credit business are determined based on the user's application information and construction stage, including: If the home improvement project is in the pre-construction stage, early construction stage, or mid-construction stage, the review result of the home improvement credit business will be determined based on the target user's credit assessment attributes and the target user's upper limit application credit limit; If the home improvement scenario is in the later stage of construction, the review result of the home improvement credit business will be determined based on the target user's upper limit application amount and the indoor configuration value attributes; among them, the upper limit application amount is determined based on the user credit assessment attributes in the user application information.

7. The method according to claim 1, characterized in that Also includes: If the comparison result between the user's application information and the identification result does not match, the review result of the home improvement credit business will be rejected.

8. The method according to claim 7, characterized in that Also includes: If the review result is unsuccessful, the target user is shown a matching failure message during the home improvement credit application process, and is prompted to re-fill in and submit the pending review information; wherein the pending review information is the re-submitted user application information; When the target user re-uploads the pending information, the home improvement scene is re-reviewed based on the target user's home improvement scene video and the pending information to obtain the review result of the home improvement credit business; wherein, the home improvement scene video includes historical home improvement scene video and / or real-time home improvement scene video.

9. A review device for home improvement credit business, characterized in that: include: A recognition result determination module is used to identify the home decoration scene of the target user based on the video image in the video call and obtain a recognition result; The audit result determination module is used to determine the audit result of the home improvement credit business based on the identification result and the user application information in the home improvement credit business initiated by the target user.

10. An electronic device, characterized in that: Electronic equipment includes: at least one processor; and a memory communicatively connected to at least one processor; wherein, The memory stores a computer program that can be executed by at least one processor, and the computer program is executed by at least one processor so that the at least one processor can execute the home improvement credit business review method according to any one of claims 1 to 8.

Images