Limit application processing method and device, equipment, storage medium and program product

Abstract

The invention provides a quota application processing method and device, equipment, a storage medium and a program product, and can be applied to the technical field of artificial intelligence. The method comprises the steps of obtaining basic auditing information related to a target project under the condition that a target object is authorized; determining a matching degree between the project progress information, the project type information, the object type information and the limit information and a preset auditing rule; under the condition that the matching degree between at least one of the project progress information, the project type information, the object type information and the limit information and a preset auditing rule is inconsistent, determining a target reconnaissance end matched with the target object from a plurality of reconnaissance ends; obtaining first real-time investigation sub-information related to the target project; acquiring second real-time investigation sub-information, and taking the first real-time investigation sub-information and the second real-time investigation sub-information as real-time investigation information; and determining an application result of the quota application according to the real-time investigation information.

Description

Technical Field

[0001] This disclosure relates to the field of data processing, and more specifically to a method, apparatus, device, storage medium, and program product for processing credit limit applications. Background Technology

[0002] Financial institutions can offer credit line applications for various projects through financial platforms. For example, users can submit a credit line application for home renovation through the platform, and the financial institution will process the application and issue the credit line to the user. However, the current technology for processing credit line applications suffers from low efficiency and poor security. Summary of the Invention

[0003] In view of the above problems, this disclosure provides a method, apparatus, device, storage medium, and program product for processing credit limit applications.

[0004] According to a first aspect of this disclosure, a method for processing a credit limit application is provided, comprising: responding to receiving a credit limit application for a target project initiated by a target object through a terminal device; and, with the authorization of the target object, obtaining basic review information related to the target project, wherein the basic review information includes project progress information, project type information, object type information, and credit limit information; determining the degree of matching between the project progress information, project type information, object type information, and credit limit information and preset review rules; and, if the degree of matching between at least one of the project progress information, project type information, object type information, and credit limit information and the preset review rules is inconsistent, determining, from multiple survey terminals, the credit limit application for the target project that is related to the target project. The target survey terminal is matched with the target object; in response to the detection of an abnormality in the remote real-time video connection established between the target survey terminal and the terminal device of the target object, the first real-time survey sub-information related to the target project is obtained, wherein the first real-time survey sub-information represents the survey information already obtained in the remote real-time video connection; based on the establishment of a remote real-time video update connection between the target survey terminal and the target object, the second real-time survey sub-information is obtained, and the first real-time survey sub-information and the second real-time survey sub-information are used as real-time survey information, wherein the second real-time survey sub-information represents the survey information to be obtained in the remote real-time video connection; based on the real-time survey information, the application result of the credit limit application is determined.

[0005] According to embodiments of this disclosure, the method further includes: establishing a remote real-time video update connection between the target survey terminal and the terminal device of the target object; obtaining image survey information related to the target project by calling the camera module of the terminal device; obtaining location survey information related to the target project by calling the positioning module of the terminal device when the camera module is called; and binding the image survey information and the location survey information to obtain the real-time survey information.

[0006] According to embodiments of this disclosure, determining the application result of the credit limit application based on the real-time survey information includes: determining the image survey sub-result of the credit limit application based on the image survey information; determining the location survey sub-result of the credit limit application based on the location survey information; and determining the application result of the credit limit application based on the image survey sub-result and the location survey sub-result.

[0007] According to embodiments of this disclosure, the aforementioned image reconnaissance information includes target sub-image reconnaissance information related to the target location and associated sub-image reconnaissance information related to the associated location, wherein the associated location is mutually associated with the target location; the aforementioned location reconnaissance information includes target sub-location reconnaissance information related to the aforementioned target sub-image reconnaissance information and associated sub-location reconnaissance information related to the aforementioned associated sub-image reconnaissance information.

[0008] According to embodiments of this disclosure, determining the application result of the credit limit application based on the aforementioned real-time survey information includes: determining the image survey sub-result of the credit limit application based on the image association relationship between the aforementioned target sub-image survey information and the aforementioned associated sub-image survey information; determining the location survey sub-result of the credit limit application based on the location association relationship between the aforementioned target sub-location survey information and the aforementioned associated sub-image survey information; and determining the application result of the credit limit application based on the aforementioned image survey sub-result and the aforementioned location survey sub-result.

[0009] According to embodiments of this disclosure, in the case where the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent, determining a target survey terminal matching the target object from multiple survey terminals includes: obtaining a first survey time period for the target object and a second survey time period for each of the multiple survey terminals when the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent; determining a target second survey time period matching the first survey time period from the second survey time periods of each of the multiple survey terminals; and determining the target survey terminal matching the target object based on the target second survey time period.

[0010] According to embodiments of this disclosure, the preset review rules include project progress review sub-rules, project type review sub-rules, object type review sub-rules, and quota review sub-rules. Determining the matching degree between the project progress information, project type information, object type information, and quota information and the preset review rules includes: comparing the project progress information with the project progress review sub-rules to determine the matching degree; comparing the project type information with the project type review sub-rules to determine the matching degree; comparing the object type information with the object type review sub-rules to determine the matching degree; and comparing the quota information with the quota review sub-rules to determine the matching degree.

[0011] A second aspect of this disclosure provides a quota application processing apparatus, comprising: a first acquisition module, configured to, in response to receiving a quota application for a target project initiated by a target object through a terminal device, acquire basic review information related to the target project, provided the target object authorizes the acquisition, wherein the basic review information includes project progress information, project type information, object type information, and quota information; a first determination module, configured to determine the degree of matching between the project progress information, project type information, object type information, and quota information and preset review rules; and a second determination module, configured to, if the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent, determine from multiple survey terminals the quota application for the target project. The system comprises: a target survey terminal for matching targets; a second acquisition module, configured to acquire first real-time survey sub-information related to the target project in response to an anomaly detected in the remote real-time video connection established between the target survey terminal and the target object's terminal device, wherein the first real-time survey sub-information represents survey information already obtained in the remote real-time video connection; a third acquisition module, configured to acquire second real-time survey sub-information based on the establishment of a remote real-time video update connection between the target survey terminal and the target object, and to use the first real-time survey sub-information and the second real-time survey sub-information as real-time survey information, wherein the second real-time survey sub-information represents survey information to be obtained in the remote real-time video connection; and a third determination module, configured to determine the application result of the quota application based on the real-time survey information.

[0012] A third aspect of this disclosure provides an electronic device comprising: one or more processors; and a memory for storing one or more computer programs, wherein the one or more processors execute the one or more computer programs to implement the steps of the method described above.

[0013] A fourth aspect of this disclosure also provides a computer-readable storage medium having a computer program or instructions stored thereon, which, when executed by a processor, implement the steps of the above-described method.

[0014] The fifth aspect of this disclosure also provides a computer program product, including a computer program or instructions that, when executed by a processor, implement the steps of the above-described method.

[0015] According to embodiments of this disclosure, a target can initiate a credit limit application on a terminal device, and a preliminary review of the target's basic review information is conducted. If the basic review information fails, a target review terminal matching the target is determined from multiple review terminals, and a remote real-time video connection is established between the target review terminal and the target's terminal device. If the remote real-time video connection experiences video anomalies, the obtained first real-time review sub-information can be retrieved, and a remote real-time video update connection can be established. Based on the remote real-time video update connection, second real-time review sub-information is retrieved. Based on the first and second real-time review sub-information, real-time review information is determined, improving the continuity of information retrieval and avoiding repeated information retrieval in case of connection anomalies. The application result of the credit limit application is determined based on the real-time review information. Further review through real-time review information enhances the security of the credit limit application. Furthermore, retrieving real-time review information via remote real-time video connection also improves the review efficiency of the credit limit application. Before retrieving real-time review information, the basic review information is matched with preset review rules to conduct preliminary screening of the credit limit application, further improving the review efficiency of the credit limit application. Attached Figure Description

[0016] The foregoing contents, as well as other objects, features, and advantages of this disclosure, will become clearer from the following description of embodiments with reference to the accompanying drawings, in which:

[0017] Figure 1 The illustrations depict application scenarios of the credit limit application processing method, apparatus, device, storage medium, and program product according to embodiments of the present disclosure.

[0018] Figure 2 A flowchart illustrating a credit limit application processing method according to an embodiment of the present disclosure is shown schematically.

[0019] Figure 3 A flowchart illustrating yet another credit limit application processing method according to an embodiment of the present disclosure is shown schematically;

[0020] Figure 4 A schematic diagram illustrating the structure of a credit limit application processing apparatus according to an embodiment of the present disclosure; and

[0021] Figure 5 A block diagram schematically illustrates an electronic device suitable for implementing a credit limit application processing method according to an embodiment of the present disclosure. Detailed Implementation

[0022] The embodiments of the present disclosure will now be described with reference to the accompanying drawings. However, it should be understood that these descriptions are exemplary only and are not intended to limit the scope of the disclosure. In the following detailed description, numerous specific details are set forth to provide a thorough understanding of the embodiments of the present disclosure for ease of explanation. However, it will be apparent that one or more embodiments may be practiced without these specific details. Furthermore, descriptions of well-known structures and techniques are omitted in the following description to avoid unnecessarily obscuring the concepts of the present disclosure.

[0023] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit this disclosure. The terms “comprising,” “including,” etc., as used herein indicate the presence of the stated features, steps, operations, and / or components, but do not exclude the presence or addition of one or more other features, steps, operations, or components.

[0024] All terms used herein (including technical and scientific terms) have the meanings commonly understood by those skilled in the art, unless otherwise defined. It should be noted that the terms used herein are to be interpreted in a manner consistent with the context of this specification, and not in an idealized or overly rigid way.

[0025] When using expressions such as "at least one of A, B and C", they should generally be interpreted in accordance with the meaning that is commonly understood by those skilled in the art (e.g., "a system having at least one of A, B and C" should include, but is not limited to, a system having A alone, a system having B alone, a system having C alone, a system having A and B, a system having A and C, a system having B and C, and / or a system having A, B and C, etc.).

[0026] In the technical solution disclosed herein, the user information (including but not limited to user personal information, user image information, user device information, such as location information) and data (including but not limited to data used for analysis, stored data, and displayed data) involved are all information and data authorized by the user or fully authorized by all parties. Furthermore, the collection, storage, use, processing, transmission, provision, disclosure, and application of related data all comply with relevant laws, regulations, and standards, and necessary measures have been taken to ensure that they do not violate public order and good morals. Corresponding operation entry points are provided for users to choose to authorize or refuse.

[0027] In scenarios involving automated decision-making using personal information, the methods, devices, and systems provided in this disclosure all offer users corresponding entry points for choosing to agree to or reject the automated decision-making results. If the user chooses to reject, the process proceeds to the expert decision-making stage. Here, "automated decision-making" refers to the activity of automatically analyzing and evaluating an individual's behavioral habits, interests, or economic, health, and credit status through computer programs, and then making a decision. Here, "expert decision-making" refers to the activity of making decisions by personnel who specialize in a particular field, possess specialized experience, knowledge, and skills, and have reached a certain level of professional expertise.

[0028] Credit line applications are processed by disbursing funds in one go and conducting on-site inspections. While this method is more efficient, it lacks flexibility, has low inspection efficiency, and the security of offline inspections cannot be guaranteed.

[0029] Therefore, embodiments of this disclosure provide a method for processing credit limit applications, including: in response to receiving a credit limit application for a target project initiated by a target object through a terminal device, and with the authorization of the target object, obtaining basic review information related to the target project, the basic review information including project progress information, project type information, object type information, and credit limit information; determining the degree of matching between the project progress information, project type information, object type information, and credit limit information and preset review rules; and, if the degree of matching between at least one of the project progress information, project type information, object type information, and credit limit information and the preset review rules is inconsistent, determining the target object from multiple survey terminals. The system matches the target survey terminal; in response to the detection of an anomaly in the remote real-time video connection established between the target survey terminal and the target object's terminal device, it acquires first real-time survey sub-information related to the target project, wherein the first real-time survey sub-information represents survey information already obtained in the remote real-time video connection; based on the establishment of a remote real-time video update connection between the target survey terminal and the target object, it acquires second real-time survey sub-information, and uses the first and second real-time survey sub-information as real-time survey information, wherein the second real-time survey sub-information represents survey information to be obtained in the remote real-time video connection; and determines the application result of the quota application based on the real-time survey information.

[0030] Figure 1 The illustration schematically depicts an application scenario of a credit limit application processing method, apparatus, device, storage medium, and program product according to embodiments of the present disclosure.

[0031] like Figure 1As shown, application scenario 100 according to this embodiment may include a first terminal device 101, a second terminal device 102, a third terminal device 103, a network 104, and a server 105. The network 104 serves as a medium for providing a communication link between the first terminal device 101, the second terminal device 102, the third terminal device 103, and the server 105. The network 104 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0032] Users can use the first terminal device 101, the second terminal device 102, and the third terminal device 103 to interact with the server 105 via the network 104 to receive or send messages, etc. Various communication client applications can be installed on the first terminal device 101, the second terminal device 102, and the third terminal device 103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0033] The first terminal device 101, the second terminal device 102, and the third terminal device 103 can be various electronic devices with displays and support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0034] Server 105 can be a server that provides various services, such as a backend management server that supports websites browsed by users using the first terminal device 101, the second terminal device 102, and the third terminal device 103 (this is just an example). The backend management server can analyze and process data such as received user requests, and feed back the processing results (such as web pages, information, or data obtained or generated according to user requests) to the terminal devices.

[0035] It should be noted that the credit limit application processing method provided in this embodiment can generally be executed by server 105. Correspondingly, the credit limit application processing device provided in this embodiment can generally be located in server 105. The credit limit application processing method provided in this embodiment can also be executed by a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105. Correspondingly, the credit limit application processing device provided in this embodiment can also be located in a server or server cluster that is different from server 105 and capable of communicating with the first terminal device 101, the second terminal device 102, the third terminal device 103, and / or server 105.

[0036] It should be understood that Figure 1The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0037] Figure 2 A flowchart illustrating a quota application processing method according to an embodiment of the present disclosure is shown schematically.

[0038] like Figure 2 As shown, the quota application processing method in this embodiment includes operations S210 to S260.

[0039] In operation S210, in response to receiving a credit limit application for a target project initiated by the target object through a terminal device, and with the authorization of the target object, basic audit information related to the target project is obtained.

[0040] Basic audit information includes project progress information, project type information, target type information, and quota information.

[0041] In operation S220, determine the degree of matching between project progress information, project type information, object type information, and quota information and the preset review rules.

[0042] In operation S230, if the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent, a target survey end that matches the target object is determined from multiple survey ends.

[0043] In operation S240, in response to the detection of an abnormality in the remote real-time video connection established between the target survey end and the target object's terminal device, the first real-time survey sub-information related to the target project is acquired.

[0044] The first real-time exploration sub-information representation is based on the exploration information already obtained from remote real-time video connections.

[0045] During operation S250, a remote real-time video update connection is established between the target survey terminal and the target object to obtain the second real-time survey sub-information, and the first real-time survey sub-information and the second real-time survey sub-information are used as survey information.

[0046] The second exploration sub-information representation is based on the exploration information to be obtained from a remote real-time video connection.

[0047] When operating S260, the application result of the credit limit application is determined based on real-time survey information.

[0048] According to embodiments of this disclosure, a corresponding operation entry can be provided for the target object, allowing the target object to choose to agree or refuse to obtain basic review information related to the target project.

[0049] According to embodiments of this disclosure, the target project can be, for example, home renovation or home improvement. The credit line application can be a loan application based on home renovation or home improvement.

[0050] According to embodiments of this disclosure, a credit limit management system for credit limit applications can be installed in the terminal device, and the target object can submit a credit limit application through the credit limit management system in the terminal device.

[0051] According to embodiments of this disclosure, project progress information can be the project progress of the target project. In the case of a home renovation project, the project progress information can include stages such as plumbing, carpentry, and painting. The project type can include fully furnished or high-end renovation. Object type information can be determined based on the target object's credit rating; for example, it can include three types: high, medium, and ordinary. Credit limit information can be the credit limit applied for by the target object; for example, it can be 100,000 or 200,000.

[0052] According to embodiments of this disclosure, the preset review rules can be rules used for preliminary review of basic review information. These preset review rules can be matched with project progress information, project type information, object type information, and credit limit information to obtain a matching degree. The matching degree characterizes the authenticity of the credit limit application, that is, the degree to which the credit limit is used for the target project; the higher the matching degree, the higher the authenticity of the credit limit application. If the matching degree between at least one of the project progress information, project type information, object type information, and credit limit information and the preset review rules is inconsistent, it is possible that the credit limit application is not used for the target project. Therefore, further review of the target project can be conducted.

[0053] According to embodiments of this disclosure, the first real-time reconnaissance sub-information can be information obtained during a remote real-time video connection, and the stability of the network and the image can be detected during the remote real-time video connection. The first real-time reconnaissance sub-information can be obtained when there are image anomalies in the remote real-time video connection. A remote real-time video update connection can be established, and second real-time reconnaissance sub-information can be obtained based on the remote real-time video update connection. The first and second real-time reconnaissance sub-information are used as real-time reconnaissance information.

[0054] According to embodiments of this disclosure, multiple review terminals can have their own review levels, such as high, medium, and normal. Different review levels indicate the strictness of the review. The target review terminal can be determined by matching the target object's type information with multiple review terminals. For example, a credit limit application corresponding to a normal type target object is more likely to be used for a non-target project. Therefore, a high-level review terminal can be used to review the credit limit application, improving its security. Through a remote real-time video update connection established between the target survey terminal and the target object's terminal device, real-time survey information related to the target project can be obtained. This real-time survey information can include real-time voice information, video information, etc., related to the target project. Even when there are no abnormalities in the remote real-time video connection, real-time survey information related to the target project can still be obtained through the remote real-time video connection.

[0055] According to embodiments of this disclosure, a target can initiate a credit limit application on a terminal device, and a preliminary review of the target's basic review information is conducted. If the basic review information fails, a target review terminal matching the target is determined from multiple review terminals, and a remote real-time video connection is established between the target review terminal and the target's terminal device. If the remote real-time video connection experiences video anomalies, the obtained first real-time review sub-information can be retrieved, and a remote real-time video update connection can be established. Based on the remote real-time video update connection, second real-time review sub-information is retrieved. Based on the first and second real-time review sub-information, real-time review information is determined, improving the continuity of information retrieval and avoiding repeated information retrieval in case of connection anomalies. The application result of the credit limit application is determined based on the real-time review information. Further review through real-time review information enhances the security of the credit limit application. Furthermore, retrieving real-time review information via remote real-time video connection also improves the review efficiency of the credit limit application. Before retrieving real-time review information, the basic review information is matched with preset review rules to conduct preliminary screening of the credit limit application, further improving the review efficiency of the credit limit application.

[0056] According to embodiments of this disclosure, the credit limit application processing method may further include: establishing a remote real-time video update connection between the target survey terminal and the target object's terminal device, obtaining image survey information related to the target project by calling the camera module of the terminal device; when calling the camera module, obtaining location survey information related to the target project by calling the positioning module of the terminal device; and binding the image survey information and the location survey information to obtain real-time survey information.

[0057] According to embodiments of this disclosure, when a remote real-time video connection or a remote real-time video update connection is established, and with the authorization of the target object, the camera module and positioning module of the terminal device can be invoked to obtain image survey information and location survey information related to the target project. The location survey information may include latitude and longitude information.

[0058] According to embodiments of this disclosure, a unique identifier can be generated for image survey information, and the location survey information can be bound to the unique identifier of the image survey information to obtain real-time survey information.

[0059] According to embodiments of this disclosure, obtaining image survey information and location survey information through a remote real-time video update connection or a remote real-time video connection can increase the authenticity of the image survey information and location survey information.

[0060] According to embodiments of this disclosure, determining the application result of a credit limit application based on real-time survey information includes: determining an image survey sub-result of the credit limit application based on image survey information; determining a location survey sub-result of the credit limit application based on location survey information; and determining the application result of the credit limit application based on the image survey sub-result and the location survey sub-result.

[0061] According to embodiments of this disclosure, the current actual progress of the target project can be obtained by analyzing image survey information. The current actual progress can be compared with the project progress information, project type information, etc. in the basic review information to determine the image survey sub-result of the quota application.

[0062] According to embodiments of this disclosure, the actual location of the target project can be obtained by analyzing the location survey information. The actual location can be compared with the location information of the target project in the quota application to determine the location survey sub-result of the quota application.

[0063] If both the image survey sub-result and the location survey sub-result are consistent in their characterization comparison, the application result for the quota application is determined to be approved. If either the image survey sub-result or the location survey sub-result is inconsistent in their characterization comparison, the application result for the quota application is determined to be unapproved.

[0064] According to embodiments of this disclosure, image survey sub-results and location survey sub-results are obtained by acquiring image survey information and location survey information from a remote real-time video update connection or a remote real-time video connection. By using the actual information to determine the application result of the credit limit application, the security of the credit limit application can be improved.

[0065] According to embodiments of this disclosure, the image reconnaissance information includes target sub-image reconnaissance information related to the target location and associated sub-image reconnaissance information related to the associated location, wherein the associated location is mutually associated with the target location; the location reconnaissance information includes target sub-location reconnaissance information related to the target sub-image reconnaissance information and associated sub-location reconnaissance information related to the associated sub-image reconnaissance information.

[0066] According to embodiments of this disclosure, the target location can be the location of the target project, and the associated location can be a location related to the location of the target project. For example, the target location can be the location of Room 201, Unit 1, Building 1, Community A, and the associated location can be the location of the main gate of Community A, the location of Building 1 of Community A, or the location of Unit 1, Building 1 of Community A.

[0067] According to embodiments of this disclosure, associated sub-image survey information and associated sub-location survey information can be obtained at associated locations via a remote real-time video update connection or a remote real-time video connection, and target sub-image survey information and target sub-location survey information can be obtained at target locations.

[0068] According to embodiments of this disclosure, the authenticity of the target project can be further determined by acquiring associated sub-image survey information and associated sub-location survey information at associated locations associated with the target location.

[0069] According to embodiments of this disclosure, determining the application result of a credit limit application based on real-time survey information includes: determining the image survey sub-result of the credit limit application based on the image association relationship between the target sub-image survey information and the associated sub-image survey information; determining the location survey sub-result of the credit limit application based on the location association relationship between the target sub-location survey information and the associated sub-image survey information; and determining the application result of the credit limit application based on the image survey sub-result and the location survey sub-result.

[0070] According to embodiments of this disclosure, by analyzing the image association relationship between the target sub-image survey information and the associated sub-image survey information, the true image result of the target project and the current actual progress of the target project can be further determined. Based on the true image result, the current actual progress is compared with the project progress information, project type information, etc. in the basic review information to determine the image survey sub-result of the quota application.

[0071] According to embodiments of this disclosure, by analyzing the location correlation between the target sub-location survey information and the associated sub-image survey information, the true location result of the target project and the actual location of the target project can be further determined. Based on the true location result, the actual location is compared with the location information of the target project in the quota application to determine the location survey sub-result of the quota application.

[0072] If both the image survey sub-result and the location survey sub-result are consistent in their characterization comparison, the application result for the quota application is determined to be approved. If either the image survey sub-result or the location survey sub-result is inconsistent in their characterization comparison, the application result for the quota application is determined to be unapproved.

[0073] According to embodiments of this disclosure, image survey sub-results and location survey sub-results are further obtained through image association and location association, and the authenticity of the target project is further comprehensively judged.

[0074] According to embodiments of this disclosure, when the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent, determining the target survey end matching the target object from multiple survey ends may include: when the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent, obtaining a first survey time period of the target object and a second survey time period of each of the multiple survey ends; determining a target second survey time period matching the first survey time period from the second survey time periods of each of the multiple survey ends; and determining the target survey end matching the target object based on the target second survey time period.

[0075] According to embodiments of this disclosure, the first survey time period can be the time period during which the target object can establish a remote real-time video connection, and the second survey time period can be the time period during which multiple review terminals can establish remote real-time video connections. If the matching degree between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent, the first survey time period and the second survey time periods of each of the multiple survey terminals can be matched, the target second survey time period can be determined from the multiple second survey time periods, and the target survey terminal can be determined based on the target second survey time period. This can determine the review time between the target object and the survey terminal, that is, determine the establishment time of the remote real-time video connection, thereby improving survey efficiency.

[0076] According to embodiments of this disclosure, the preset review rules include project progress review sub-rules, project type review sub-rules, object type review sub-rules, and quota review sub-rules. Determining the matching degree between project progress information, project type information, object type information, and quota information and the preset review rules includes: comparing project progress information with the project progress review sub-rules to determine the matching degree; comparing project type information with the project type review sub-rules to determine the matching degree; comparing object type information with the object type review sub-rules to determine the matching degree; and comparing quota information with the quota review sub-rules to determine the matching degree.

[0077] According to embodiments of this disclosure, the project progress review sub-rule may include projects whose progress is not related to water and electricity, carpentry, etc. The project progress information can be compared with the project progress review sub-rule. If the comparison is consistent, the degree of matching between the project progress information and the project progress review sub-rule is determined to be consistent. If the comparison is inconsistent, the degree of matching between the project progress information and the project progress review sub-rule is determined to be inconsistent.

[0078] According to embodiments of this disclosure, the project type review sub-rule may include projects whose type is not whole-house renovation, customized furniture, etc. The project type information can be compared with the project type review sub-rule. If the comparison is consistent, the degree of matching between the project type information and the project type review sub-rule is determined to be consistent. If the comparison is inconsistent, the degree of matching between the project type information and the project type review sub-rule is determined to be inconsistent.

[0079] According to embodiments of this disclosure, the object type review sub-rule may include the object as an advanced type. The object type information can be compared with the object type review sub-rule. If the comparison is consistent, the degree of matching between the object type information and the object type review sub-rule is determined to be consistent. If the comparison is inconsistent, the degree of matching between the object type information and the object type review sub-rule is determined to be inconsistent.

[0080] According to embodiments of this disclosure, the credit limit review sub-rule may include a credit limit of less than 150,000. The credit limit information can be compared with the credit limit review sub-rule. If the comparison is consistent, the degree of matching between the credit limit information and the credit limit review sub-rule is determined to be consistent. If the comparison is inconsistent, the degree of matching between the credit limit information and the credit limit review sub-rule is determined to be inconsistent.

[0081] According to embodiments of this disclosure, the comprehensiveness of the credit limit application review can be increased by conducting a preliminary review of the application from multiple perspectives.

[0082] Figure 3 A flowchart illustrating another credit limit application processing method according to an embodiment of the present disclosure is shown schematically.

[0083] like Figure 3 As shown, the method includes operations S301 to S307.

[0084] In operation S301, in response to receiving a credit limit application for a target project initiated by the target object through a terminal device, and with the authorization of the target object, basic audit information related to the target project is obtained.

[0085] Basic audit information includes project progress information, project type information, target type information, and quota information.

[0086] In operation S302, determine whether the matching degree between the project progress information, project type information, object type information, and quota information and the preset review rules is consistent. If the matching degree between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent, execute operation S303. If the matching degree between the project progress information, project type information, object type information, and quota information and the preset review rules is consistent, execute operation S307.

[0087] In operation S303, a target survey end matching the target object is determined from multiple survey ends.

[0088] In operation S304, a remote real-time video connection is established between the target survey end and the terminal equipment of the target object to obtain real-time survey information related to the target project.

[0089] In operation S305, based on real-time survey information, determine whether the credit limit application has been approved. If the application result guarantees that the credit limit application will not be approved, proceed with operation S306. If the application result guarantees that the credit limit application will be approved, proceed with operation S307.

[0090] In operation S306, the target applicant re-enters the credit limit application information.

[0091] Operation S307, credit limit application approved.

[0092] The following instructions use home renovation as an example to explain the credit limit application processing methods for procedures S301 to S307.

[0093] The target applicant can initiate a credit line application via a terminal device. With the target applicant's authorization, the system can obtain information such as the current progress of the target applicant's home renovation, the number of credit line applications, and the amount applied for, to determine whether an on-site inspection is necessary. For example, if the renovation spans a long period and the approved credit line application amount is 1 million, involving multiple disbursements, the disbursement will be based on the target applicant's needs. For instance, 300,000 might be disbursed after the project reaches the water and electricity stage. If the target applicant needs another 300,000 for interior decoration later, they can initiate a request for funds anytime, anywhere, and the system will determine whether an on-site inspection is necessary based on the number of credit line applications.

[0094] If no on-site inspection is required, the review process ends directly. If an on-site inspection is required, the inspection process begins. Since online inspections establish a remote real-time video connection between the target applicant's terminal device and the target review agency, pre-inspection information can be generated in advance based on the credit limit application. This allows for matching the target applicant with the target review agency. Pre-inspection information may include the pre-inspection number, credit limit request number, next pre-inspection time, reason for rejection, scheduled inspection start time, scheduled inspection end time, remote real-time video connection establishment result, and remote real-time video connection establishment time. Investigating the renovation progress of the target project via remote real-time video connection, which cannot be done by uploading photos offline, ensures the authenticity of image and location inspection information while improving inspection efficiency.

[0095] The surveying terminal can be controlled by the surveyor, who can schedule a survey time with the target object online and then conduct the survey directly online at the designated time, improving efficiency. If the target object is different and online surveying is not possible, the surveyor can also conduct an offline survey.

[0096] A link can be sent from the surveying terminal to the target's terminal device. Both the surveying terminal and the target need to open the link and establish a remote real-time video connection at the agreed-upon survey time. The surveyor can conduct the survey according to the survey work information table, which may include the work number, quota request number, survey start time, survey end time, remote real-time video establishment result, and remote real-time video establishment time. The surveying terminal can request the target to take photos at the target location (inside the room) and related locations (community entrance, building entrance, floor, etc.) of the house requiring renovation. The distance from the community gate to the building, the distance from the building entrance to the floor, and the distance from the gate to the floor are calculated using latitude and longitude, thus determining the actual location of the target. All this data is submitted to the system after the overall photo survey is completed. Before submission, the real-time survey information is pre-stored on the client's mobile phone for the surveyor to preview. Any unclear photos can be deleted, and the real-time survey information can be retrieved again from the target. Image survey information can generate a unique identifier, and the location survey information can be bound to this unique identifier to obtain real-time survey information. This image survey information can be saved on a file server in the format of a survey image information table, which may include image identifier, image type, image name, archive number, image path, location information, etc. The review interface allows users to view the image survey information and location survey information for each target project to verify its authenticity. In the event of anomalies in the remote real-time video connection, a second real-time survey sub-information can be obtained by saving the first real-time survey sub-information and establishing a remote real-time video update connection.

[0097] If the credit limit application fails the review, the target applicant can re-enter the credit limit application information and undergo online review again. If the credit limit application for the same target project fails more than a preset number of times, the credit limit application can be directly rejected. The preset number of times can be, for example, 3, 4, or 5.

[0098] Based on the above-described credit limit application processing method, this disclosure also provides a credit limit application processing device. The following will be combined with... Figure 4 The device is described in detail.

[0099] Figure 4 A schematic block diagram of a quota application processing apparatus according to an embodiment of the present disclosure is shown.

[0100] like Figure 4 As shown, the quota application processing device 400 in this embodiment includes a first acquisition module 410, a first determination module 420, a second determination module 430, a second acquisition module 440, a third acquisition module 450, and a third determination module 460.

[0101] The first acquisition module 410 is configured to, in response to receiving a quota application for a target project initiated by a target object through a terminal device, acquire basic review information related to the target project, provided the target object authorizes the acquisition. This basic review information includes project progress information, project type information, object type information, and quota information. In one embodiment, the first acquisition module 410 may be used to perform the operation S210 described above, which will not be repeated here.

[0102] The first determining module 420 is used to determine the degree of matching between project progress information, project type information, object type information, and quota information and preset review rules. In one embodiment, the first determining module 420 can be used to perform the operation S220 described above, which will not be repeated here.

[0103] The second determining module 430 is used to determine a target surveying end that matches the target object from multiple surveying ends when at least one of the project progress information, project type information, object type information, and quota information does not match the preset review rules. In one embodiment, the second determining module 430 can be used to perform the operation S230 described above, which will not be repeated here.

[0104] The second acquisition module 440 is configured to acquire first real-time survey sub-information related to the target project in response to detecting an anomaly in the remote real-time video connection established between the target survey terminal and the target object's terminal device. The first real-time survey sub-information represents survey information already obtained from the remote real-time video connection. In one embodiment, the second acquisition module 440 may be used to perform the operation S240 described above, which will not be repeated here.

[0105] The third acquisition module 450 is used to establish a remote real-time video update connection between the target survey terminal and the target object, acquire second real-time survey sub-information, and use the first and second real-time survey sub-information as survey information. The second survey sub-information represents the survey information to be obtained based on the remote real-time video connection. In one embodiment, the second acquisition module 450 can be used to perform the operation S250 described above, which will not be repeated here.

[0106] The third determining module 460 is used to determine the application result of the quota application based on real-time survey information. In one embodiment, the third determining module 460 can be used to perform the operation S260 described above, which will not be repeated here.

[0107] According to embodiments of this disclosure, the apparatus further includes: a first invocation module, used to obtain image survey information related to the target project by invoking the camera module of the terminal device through a remote real-time video connection established between the target survey end and the terminal device of the target object; a second invocation module, used to obtain location survey information related to the target project by invoking the positioning module of the terminal device when the camera module is invoked; and an obtaining module, used to bind the image survey information and the location survey information to obtain real-time survey information.

[0108] According to embodiments of this disclosure, a third determining module 450 for determining the application result of a credit limit application based on real-time survey information includes: a first determining submodule for determining an image survey sub-result of the credit limit application based on image survey information; a second determining submodule for determining a location survey sub-result of the credit limit application based on location survey information; and a third determining submodule for determining the application result of the credit limit application based on the image survey sub-result and the location survey sub-result.

[0109] According to embodiments of this disclosure, the image reconnaissance information includes target sub-image reconnaissance information related to the target location and associated sub-image reconnaissance information related to the associated location, wherein the associated location is mutually associated with the target location; the location reconnaissance information includes target sub-location reconnaissance information related to the target sub-image reconnaissance information and associated sub-location reconnaissance information related to the associated sub-image reconnaissance information.

[0110] According to embodiments of this disclosure, a third determining module 450 for determining the application result of a credit limit application based on real-time survey information includes: a fourth determining submodule for determining the image survey sub-result of the credit limit application based on the image association relationship between the target sub-image survey information and the associated sub-image survey information; a fifth determining submodule for determining the location survey sub-result of the credit limit application based on the location association relationship between the target sub-location survey information and the associated sub-image survey information; and a sixth determining submodule for determining the application result of the credit limit application based on the image survey sub-result and the location survey sub-result.

[0111] According to embodiments of this disclosure, a second determining module 430 for determining a target survey terminal matching a target object from multiple survey terminals when the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent includes: a seventh determining submodule, used to obtain a first survey time period of the target object and a second survey time period of each of the multiple survey terminals when the degree of matching between at least one of the project progress information, project type information, object type information, and quota information and the preset review rules is inconsistent; an eighth determining submodule, used to determine a target second survey time period matching the first survey time period from the second survey time periods of each of the multiple survey terminals; and a ninth determining submodule, used to determine a target survey terminal matching the target object based on the target second survey time period.

[0112] According to embodiments of this disclosure, the preset review rules include project progress review sub-rules, project type review sub-rules, object type review sub-rules, and quota review sub-rules. A first determining module 420 for determining the degree of matching between project progress information, project type information, object type information, and quota information and the preset review rules includes: a tenth determining sub-module, used to compare project progress information with the project progress review sub-rules to determine the degree of matching between the project progress information and the project progress review sub-rules; an eleventh determining sub-module, used to compare project type information with the project type review sub-rules to determine the degree of matching between the project type information and the project type review sub-rules; a twelfth determining sub-module, used to compare object type information with the object type review sub-rules to determine the degree of matching between the object type information and the object type review sub-rules; and a thirteenth determining sub-module, used to compare quota information with the quota review sub-rules to determine the degree of matching between the quota information and the quota review sub-rules.

[0113] According to embodiments of this disclosure, any plurality of modules among the first acquisition module 410, first determination module 420, second determination module 430, second acquisition module 440, third acquisition module 450, and third determination module 460 can be combined into one module, or any one of these modules can be split into multiple modules. Alternatively, at least part of the functionality of one or more of these modules can be combined with at least part of the functionality of other modules and implemented in one module. According to embodiments of this disclosure, at least one of the first acquisition module 410, first determination module 420, second determination module 430, second acquisition module 440, third acquisition module 450, and third determination module 460 can be at least partially implemented as hardware circuitry, such as a field-programmable gate array (FPGA), a programmable logic array (PLA), a system-on-a-chip, a system-on-a-substrate, a system-on-package, an application-specific integrated circuit (ASIC), or implemented in hardware or firmware by any other reasonable means of integrating or packaging the circuitry, or implemented in any one of software, hardware, and firmware methods, or in a suitable combination of any of these methods. Alternatively, at least one of the first acquisition module 410, the first determination module 420, the second determination module 430, the second acquisition module 440, the third acquisition module 450, and the third determination module 460 may be implemented at least partially as a computer program module, which can perform corresponding functions when the computer program module is run.

[0114] Figure 5 A block diagram schematically illustrates an electronic device suitable for implementing a credit limit application processing method according to an embodiment of the present disclosure.

[0115] like Figure 5 As shown, an electronic device 500 according to an embodiment of the present disclosure includes a processor 501, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 502 or a program loaded from a storage portion 508 into a random access memory (RAM) 503. The processor 501 may include, for example, a general-purpose microprocessor (e.g., a CPU), an instruction set processor and / or an associated chipset and / or a special-purpose microprocessor (e.g., an application-specific integrated circuit (ASIC)), etc. The processor 501 may also include onboard memory for caching purposes. The processor 501 may include a single processing unit or multiple processing units for performing different actions of the method flow according to an embodiment of the present disclosure.

[0116] RAM 503 stores various programs and data required for the operation of electronic device 500. Processor 501, ROM 502, and RAM 503 are interconnected via bus 504. Processor 501 performs various operations of the method flow according to embodiments of the present disclosure by executing programs in ROM 502 and / or RAM 503. It should be noted that the programs may also be stored in one or more memories other than ROM 502 and RAM 503. Processor 501 may also perform various operations of the method flow according to embodiments of the present disclosure by executing programs stored in said one or more memories.

[0117] According to embodiments of this disclosure, the electronic device 500 may further include an input / output (I / O) interface 505, which is also connected to a bus 504. The electronic device 500 may also include one or more of the following components connected to the input / output (I / O) interface 505: an input section 506 including a keyboard, mouse, etc.; an output section 507 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 508 including a hard disk, etc.; and a communication section 509 including a network interface card such as a LAN card, modem, etc. The communication section 509 performs communication processing via a network such as the Internet. A drive 510 is also connected to the input / output (I / O) interface 505 as needed. A removable medium 511, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 510 as needed so that computer programs read from it can be installed into the storage section 508 as needed.

[0118] This disclosure also provides a computer-readable storage medium, which may be included in the device / apparatus / system described in the above embodiments; or it may exist independently and not assembled into the device / apparatus / system. The computer-readable storage medium carries one or more programs that, when executed, implement the method according to the embodiments of this disclosure.

[0119] According to embodiments of this disclosure, the computer-readable storage medium may be a non-volatile computer-readable storage medium, such as including, but not limited to: portable computer disks, hard disks, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), portable compact disk read-only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination thereof. In this disclosure, the computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. For example, according to embodiments of this disclosure, the computer-readable storage medium may include ROM 502 and / or RAM 503 and / or one or more memories other than ROM 502 and RAM 503 described above.

[0120] Embodiments of this disclosure also include a computer program product comprising a computer program containing program code for performing the methods shown in the flowchart. When the computer program product is run on a computer system, the program code is used to cause the computer system to implement the methods provided in the embodiments of this disclosure.

[0121] When the computer program is executed by the processor 501, it performs the functions defined in the system / apparatus of this disclosure embodiments. According to embodiments of this disclosure, the systems, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0122] In one embodiment, the computer program may rely on a tangible storage medium such as an optical storage device or a magnetic storage device. In another embodiment, the computer program may also be transmitted and distributed in the form of signals over a network medium, and may be downloaded and installed via the communication section 509, and / or installed from a removable medium 511. The program code contained in the computer program can be transmitted using any suitable network medium, including but not limited to: wireless, wired, etc., or any suitable combination thereof.

[0123] In such an embodiment, the computer program can be downloaded and installed from a network via communication section 509, and / or installed from removable medium 511. When the computer program is executed by processor 501, it performs the functions defined in the system of this disclosure embodiment. According to embodiments of this disclosure, the systems, devices, apparatuses, modules, units, etc., described above can be implemented by computer program modules.

[0124] According to embodiments of this disclosure, program code for executing the computer programs provided in embodiments of this disclosure can be written in any combination of one or more programming languages. Specifically, these computational programs can be implemented using high-level procedural and / or object-oriented programming languages, and / or assembly / machine languages. Programming languages ​​include, but are not limited to, languages ​​such as Java, C++, Python, "C", or similar programming languages. The program code can execute entirely on a user's computing device, partially on a user's device, partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0125] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this disclosure. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0126] Those skilled in the art will understand that the features described in the various embodiments of this disclosure can be combined and / or combined in various ways, even if such combinations or combinations are not explicitly described in this disclosure. In particular, the features described in the various embodiments of this disclosure can be combined and / or combined in various ways without departing from the spirit and teachings of this disclosure. All such combinations and / or combinations fall within the scope of this disclosure.

[0127] The embodiments of this disclosure have been described above. However, these embodiments are for illustrative purposes only and are not intended to limit the scope of this disclosure. Although various embodiments have been described above, this does not mean that the measures in the various embodiments cannot be used advantageously in combination. Various substitutions and modifications can be made by those skilled in the art without departing from the scope of this disclosure, and all such substitutions and modifications should fall within the scope of this disclosure.

Claims

1. A method for processing credit limit applications, characterized in that, The method includes: In response to receiving a credit limit application for a target project initiated by a target object through a terminal device, and with the authorization of the target object, basic review information related to the target project is obtained, wherein the basic review information includes project progress information, project type information, object type information, and credit limit information; Determine the degree of matching between the project progress information, the project type information, the object type information, and the quota information and the preset review rules; If the degree of matching between at least one of the project progress information, the project type information, the object type information, and the quota information and the preset review rules is inconsistent, a target survey end that matches the target object shall be determined from multiple survey ends; In response to the detection of an abnormality in the remote real-time video connection established between the target survey terminal and the terminal device of the target object, first real-time survey sub-information related to the target project is obtained, wherein the first real-time survey sub-information represents the survey information already obtained based on the remote real-time video connection; Based on the establishment of a remote real-time video update connection between the target survey terminal and the target object, the second real-time survey sub-information is obtained, and the first real-time survey sub-information and the second real-time survey sub-information are used as real-time survey information, wherein the second real-time survey sub-information represents the survey information to be obtained based on the remote real-time video connection; Based on the real-time survey information, the application result of the credit limit application is determined.

2. The method according to claim 1, characterized in that, The method further includes: Based on the remote real-time video update connection, image survey information related to the target project is obtained by calling the camera module of the terminal device; When the camera module is invoked, the location survey information related to the target project is obtained by invoking the positioning module of the terminal device. The real-time survey information is obtained by binding the image survey information and the location survey information.

3. The method according to claim 2, characterized in that, The step of determining the application result of the credit limit application based on the real-time survey information includes: Based on the image survey information, determine the image survey sub-result of the quota application; Based on the location survey information, determine the location survey sub-result of the credit limit application; Based on the image survey results and the location survey results, the application result of the quota application is determined.

4. The method according to claim 2, characterized in that, The image reconnaissance information includes target sub-image reconnaissance information related to the target location and associated sub-image reconnaissance information related to associated locations, wherein the associated locations are mutually associated with the target location; The location survey information includes target sub-location survey information related to the target sub-image survey information and associated sub-location survey information related to the associated sub-image survey information.

5. The method according to claim 4, characterized in that, The step of determining the application result of the credit limit application based on the real-time survey information includes: Based on the image association relationship between the target sub-image survey information and the associated sub-image survey information, the image survey sub-result of the quota application is determined; Based on the location correlation between the target sub-location survey information and the associated sub-image survey information, the location survey sub-result of the quota application is determined; Based on the image survey results and the location survey results, the application result of the quota application is determined.

6. The method according to claim 1, characterized in that, In cases where the matching degree between at least one of the project progress information, the project type information, the object type information, and the quota information and the preset review rules is inconsistent, determining the target survey terminal matching the target object from multiple survey terminals includes: If at least one of the project progress information, the project type information, the object type information, and the quota information does not match the preset review rules, the first survey time period of the target object and the second survey time period of each of the multiple survey ends are obtained. A target second exploration time period matching the first exploration time period is determined from the second exploration time periods of each of the multiple exploration ends; Based on the second exploration time period of the target, determine the target exploration end that matches the target object.

7. The method according to claim 1, characterized in that, The preset review rules include sub-rules for project progress review, project type review, object type review, and quota review; Determining the degree of matching between the project progress information, the project type information, the object type information, and the quota information and the preset review rules includes: The project progress information is compared with the project progress review sub-rules to determine the degree of matching between the project progress information and the project progress review sub-rules. The project type information is compared with the project type review sub-rules to determine the degree of matching between the project type information and the project type review sub-rules; The object type information is compared with the object type review sub-rule to determine the degree of matching between the object type information and the object type review sub-rule; The credit limit information is compared with the credit limit review sub-rule to determine the degree of matching between the credit limit information and the credit limit review sub-rule.

8. A credit limit application processing device, characterized in that, The device includes: The first acquisition module is used to respond to receiving a quota application for a target project initiated by a target object through a terminal device, and, with the authorization of the target object, acquire basic review information related to the target project, wherein the basic review information includes project progress information, project type information, object type information and quota information; The first determining module is used to determine the degree of matching between the project progress information, the project type information, the object type information, and the quota information and the preset review rules; The second determining module is used to determine a target surveying end that matches the target object from multiple surveying ends when at least one of the project progress information, the project type information, the object type information and the quota information does not match the preset review rules. The second acquisition module is used to acquire first real-time survey sub-information related to the target project in response to the detection of an abnormality in the remote real-time video connection established between the target survey terminal and the terminal device of the target object. The first real-time survey sub-information represents the survey information already obtained based on the remote real-time video connection. The third acquisition module is used to establish a remote real-time video update connection between the target exploration terminal and the target object, acquire the second real-time exploration sub-information, and use the first real-time exploration sub-information and the second real-time exploration sub-information as real-time exploration information, wherein the second real-time exploration sub-information represents the exploration information to be obtained based on the remote real-time video connection. The third determining module is used to determine the application result of the quota application based on the real-time survey information.

9. An electronic device, comprising: One or more processors; Memory, used to store one or more computer programs. The characteristic feature is that the one or more processors execute the one or more computer programs to implement the steps of the method according to any one of claims 1 to 7.

10. A computer-readable storage medium having a computer program or instructions stored thereon, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.

11. A computer program product, comprising a computer program or instructions, characterized in that, When the computer program or instructions are executed by a processor, they implement the steps of the method according to any one of claims 1 to 7.

Images