CN109523371B - Online payment auditing method and device, computer equipment and storage medium - Google Patents
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Abstract
The invention discloses an online loan auditing method, device, computer equipment and storage medium, relates to the technical field of data analysis, and solves the problems that the identity of a passer on loan data cannot be effectively verified, and the risk of counterfeiting and fraud cannot be prevented. The main technical scheme of the invention is as follows: acquiring an online face examination request sent by a loan data uploader of an enterprise; establishing video connection with a loan data uploader, and acquiring face information of the loan data uploader; detecting whether the face information of the uploaded person of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification; after the face information of the uploader of the loan data is determined to be matched with the face identified from the identity information and the authorization information passes verification, establishing video connection with the loan applicant; and (4) according to the question information generated by the loan data information, uploading questions to a loan data uploader and/or a loan applicant to check the online video loan.
Description
Technical Field
The invention relates to the technical field of data analysis, in particular to an online loan auditing method and device, computer equipment and a storage medium.
Background
At present, when a financial institution on the market carries out loan approval to a loan applicant, an experiential and competent approver carries out one-to-one face approval and face signing on the loan applicant according to credit data provided by the loan applicant; during the process, the approver judges whether the loan applicant has fraud or not according to the answer of the applicant.
However, in practice, the number of experiential and competent examination and approval personnel is small, and the efficiency of manual examination and approval is low, so that a large number of credit applications cannot be timely processed; meanwhile, the corporate or legal generation participating in the traditional convening conference is often the corporate or legal generation of the enterprise. The significance of the loan data uploader in the face-up conference is not great, the loan data uploader or the authorizer cannot be summoned, and the risk of counterfeiting and fraud cannot be prevented.
Disclosure of Invention
The invention provides an online loan auditing method, device, computer equipment and storage medium, which solve the problems that a loan data uploading person cannot be summoned, the identity of the loan data uploading person cannot be effectively verified, and the risk of counterfeiting and fraud is prevented.
The embodiment of the invention provides an online loan auditing method, which comprises the following steps:
acquiring an online check request sent by a loan data uploader of an enterprise, wherein the online check request comprises authorization information and identity information of the loan data uploader and loan data information;
establishing video connection with the loan data uploader, and acquiring face information of the loan data uploader;
detecting whether the face information of the uploading person of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification;
if the face information of the uploading person of the loan data is determined to be matched with the face identified from the identity information and the authorization information passes verification, establishing video connection with a loan applicant;
and according to the problem information generated by the loan data information, uploading questions to the loan data uploader and/or the loan applicant to check online video loan.
The embodiment of the invention provides an online loan auditing device, which comprises:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring an online check request sent by a loan data uploader of an enterprise, and the online check request comprises authorization information and identity information of the loan data uploader and loan data information;
the video connection module is used for establishing video connection with the loan data uploading person and acquiring the face information of the loan data uploading person;
the detection module is used for detecting whether the face information of the uploading person of the loan data is matched with the face identified from the identity information or not and whether the authorization information passes the verification or not;
the video connection module is also used for establishing video connection with a loan applicant when the matching between the face information of the uploader on the loan data and the face identified from the identity information is determined and the authorization information is verified;
and the auditing module is used for uploading the loan data to a uploader and/or the loan applicant to ask questions according to the question information generated by the loan data information so as to audit the online video loan.
A computer device comprising a memory, a processor and a computer program stored in the memory and executable on the processor, the processor implementing the steps of the online deposit auditing method when executing the computer program.
A computer-readable storage medium, in which a computer program is stored, which, when executed by a processor, implements the steps of the above-mentioned online loan auditing method.
The online loan data uploading method, the online loan data auditing device, the computer equipment and the storage medium firstly acquire an online audit request sent by a loan data uploading person of an enterprise, wherein the online audit request comprises authorization information and identity information of the loan data uploading person and loan data information; establishing video connection with the loan data uploader, and acquiring face information of the loan data uploader; detecting whether the face information of the uploading person of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification; if the matching of the face information of the uploader of the loan data and the face identified from the identity information is determined and the verification of the authorization information is passed, establishing video connection with a loan applicant; and according to the question information generated by the loan data information, uploading questions to the loan data uploader and/or the loan applicant, and performing online video loan approval based on the answer result. Compared with the prior one-to-one face examination and face labeling of loan applicants according to credit data provided by loan applicants by experiential and competent examination personnel, the embodiment of the invention automatically audits loan enterprises in an online video mode, namely establishes video connection with loan applicants after ensuring the identity and authority of the loan data uploaders, and asks questions for the loan applicants based on the problem generated by loan data information, thereby solving the problems that the loan data uploaders cannot be summoned, the identity of the loan data uploaders cannot be effectively checked, and the risk of counterfeiting and fraud is prevented.
Drawings
In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the description of the embodiments of the present invention will be briefly introduced below, and it is obvious that the drawings in the description below are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained according to the drawings without inventive labor.
FIG. 1 is a schematic diagram of an application environment of an online loan auditing method according to an embodiment of the invention;
FIG. 2 is a flowchart of an online loan review method according to an embodiment of the invention;
FIG. 3 is another flow chart of an online loan auditing method according to an embodiment of the invention;
FIG. 4 is a detailed flowchart of step S30 of FIG. 1 or FIG. 2 according to an embodiment of the present invention;
FIG. 5 is a detailed flowchart of step S50A of FIG. 1 according to an embodiment of the present invention;
FIG. 6 is a detailed flowchart of step S50B of FIG. 2 according to an embodiment of the present invention;
FIG. 7 is another flow chart of an online loan audit method according to an embodiment of the invention;
FIG. 8 is a schematic block diagram of an online loan audit device according to an embodiment of the invention;
FIG. 9 is a schematic diagram of a computer device according to an embodiment of the invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, not all, embodiments of the present invention. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
The online loan auditing method provided by the application can be applied to the application environment shown in fig. 1, wherein a client communicates with a server through a network. After a client side of a loan data uploader sends an online reviewing request to a server, the server establishes video connection with the client side and acquires face information of the loan data uploader; then detecting whether the face information of the uploader of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification; if the matching of the face information of the uploader of the loan data and the face identified from the identity information is determined and the verification of the authorization information is passed, establishing video connection with a loan applicant; and uploading the loan data to a person and/or the loan applicant to ask questions according to the question information generated by the loan data information so as to perform online video loan approval. Among other things, the client may be, but is not limited to, various personal computers, laptops, smartphones, tablets, and portable wearable devices. The server may be implemented as a stand-alone server or as a server cluster consisting of a plurality of servers.
In an embodiment, as shown in fig. 2 and fig. 3, an online loan auditing method is provided, which is described by taking the method as an example applied to the server in fig. 1, and includes the following steps:
s10, acquiring an online check request sent by a loan data uploader of an enterprise, wherein the online check request comprises authorization information and identity information of the loan data uploader and loan data information;
the loan data uploader of the enterprise is a person who actually uploads loan data information, namely an actual operator who applies for loan of the enterprise. The loan data information includes basic information, credit granting application information, borrowing application information, repayment and other information related to the enterprise loan application, and the embodiment of the present invention is not particularly limited. The online check request is a request for requesting to connect the video for online loan check.
For the embodiment of the invention, the authorization information of the loan data uploader is the certificate of the enterprise authorizing the enterprise to handle the application loan, and the authorization information comprises the operation authority of the loan data uploader, and the signature of the enterprise legal person or the signature certificate of the enterprise.
S20, establishing video connection with the loan data uploader, and acquiring face information of the loan data uploader;
for the embodiment of the invention, after the online face examination request sent by the loan data uploader is received, the video connection with the loan data uploader is established, and then the face information of the loan data uploader is shot by the camera at the side of the loan data uploader, so that the face information of the loan data uploader is obtained.
It should be noted that when the face information of the uploaded loan is shot by the camera, the position information of the face recognition area needs to be output to prompt the uploaded loan data to move the sitting posture of the uploaded loan data, and the face shot by the camera is ensured to be in the face recognition area, so that the shot face information is more accurate.
S30, detecting whether the face information of the uploader of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification;
it should be noted that the identity information is an identity card scanning piece of a loan data uploader, after the face information of the loan data uploader is acquired through the camera, the image recognition is performed on the identity card scanning piece of the loan data uploader to obtain the face information in the identity card scanning piece, then the face information of the loan data uploader is matched with a face recognized from the identity card scanning piece, if the matching between the face information of the loan data uploader and the face recognized from the identity card scanning piece is successful, the identity information uploaded by the loan data uploader is the information of the loan data uploader, that is, the identity verification of the loan data uploader is passed.
As shown in fig. 4, in an embodiment provided by the present invention, step S30: the detecting whether the authorization information is verified includes:
s301, performing image recognition on the authorization information to acquire text content contained in the authorization information;
it should be noted that the authorization information may be in a form of a picture, and the authorization information in the embodiment of the present invention is an authorization certificate with an enterprise signature or an enterprise legal person signature, and text content included in the authorization information can be acquired from the authorization information by performing image recognition on the authorization information.
S302, detecting whether the text content is a proof for authorizing the loan data uploading person to upload data;
specifically, after text content in the authorization information is identified, whether the text content is an authorization loan data uploader for handling loan application is judged, if yes, whether the text content contains the signature of an enterprise legal person or the signature of the enterprise needs to be further judged, and if the text content contains the signature of the enterprise legal person or the signature of the enterprise, the text content is determined to be the authorization loan data uploader certification.
It should be noted that when the text content is identified to include the signature of the legal person or the signature of the enterprise, it is also necessary to determine whether the signature of the legal person or the signature of the enterprise corresponds to the enterprise applying for loan, and if so, the text content is determined to be the loan authorization data and uploaded to the certificate of applying for loan by the artificial enterprise.
And S303, if the text content is the proof of authorizing the loan data uploading person to upload the data, determining that the authorization information passes verification.
In the embodiment of the invention, after the online face-checking request sent by the loan data uploader is received, the identity of the loan data uploader is firstly confirmed, namely, the identity of the loan data uploader is confirmed by detecting whether the face information of the loan data uploader is matched with the face identified from the identity information. After the identity of the loan data uploader is determined, the operating right of the loan data uploader needs to be verified, that is, text contents contained in the authorization information are firstly identified, whether the loan data uploader is authorized by the enterprise or not is confirmed based on the identified text contents, and if the loan data uploader is authorized by the enterprise, the step S40A and/or the step S40B can be continuously executed to establish video connection with the loan applicant and/or the loan finance. The loan applicant is a legal person who applies for a loan enterprise, and the finance of the loan is the finance of the enterprise.
It should be noted that, in the embodiment of the present invention, in addition to establishing video connection with a loan applicant and loan finance, video connection may also be established with business personnel, project responsible personnel, and the like of an enterprise according to actual needs, and the embodiment of the present invention is not particularly limited. It can be understood that when video connection is established for other personnel of an enterprise, the identity of the personnel also needs to be verified, and after the identity passes the verification, the personnel can carry out video connection and carry out online video payment auditing.
S40A, establishing video connection with a loan applicant after determining that the face information of the uploading person of the loan data is matched with the face identified from the identity information and the authorization information passes verification;
and the steps S40A and S40B are parallel steps, namely after the face information of the uploader of the loan data is determined to be matched with the face identified from the identity information, and the authorization information is verified, video connection is established with a loan applicant and/or a loan applicant, so that the multi-user online video loan approval is realized.
And S50A, uploading the loan data to a uploader and/or the loan applicant to ask questions according to the problem information generated by the loan data information so as to check online video loan payment.
For the embodiment of the invention, after the video connection is established with the loan applicant and/or the loan data uploader, the problem information can be generated according to the loan data information, and the loan data uploader and/or the loan applicant can be asked for on-line examination and verification of loan enterprises; in addition, corresponding questions can be generated according to different identities of the online auditors participating in the enterprise, and the questions can be asked, or corresponding question information can be generated according to the operation types of the enterprise, and the questions can be asked for the personnel participating in the online audit, and the embodiment of the invention is not limited specifically.
As shown in fig. 5, in an embodiment provided by the present invention, step S50A: the question information generated according to the loan data information comprises:
S50A1, preprocessing the loan data information;
the preprocessing includes screening, redundancy removal, normalization, and the like, and the embodiment of the present invention is not particularly limited.
S50A2, classifying the preprocessed loan data information according to data types;
the types of the case loan data can be divided into: the credit application information, the borrowing application information, the repayment information, the enterprise market share, the industry prospect, the sales resources, the professional technology, credit investigation reports of enterprises and business owners, the borrowing purpose, the profitability, the asset-to-debt ratio and other aspects, and the embodiment of the invention is not particularly limited.
In the embodiment of the invention, the loan data information is preprocessed and then the preprocessed loan data information is classified into the data types, so that the loan data information is input into the corresponding problem generation model in the subsequent steps in a classified manner, and the problem information is generated according to the loan data information.
S50A3, the loan data information of different data types is respectively input into the problem generation models of corresponding types, and the problem information corresponding to the loan data information of different data types is obtained;
it should be noted that, before obtaining corresponding problem information through a corresponding problem generation model, the method provided in the embodiment of the present invention further includes: obtaining loan data sample data and preprocessing the loan data sample data; classifying the preprocessed loan data sample data according to data types; and training the loan data sample data in the same type to obtain a problem generation model of the corresponding type.
And S50A4, determining the question information corresponding to the loan data information of all data types as the question information of the loan data information.
In the embodiment of the invention, the loan data information is preprocessed firstly, then the preprocessed loan data information is classified according to data types, then the loan data information with different data types is respectively input into the problem generation models with corresponding types to obtain the problem information corresponding to the loan data information with different data types, and finally the problem information corresponding to the loan data information with all data types is determined as the problem information of the loan data information. Therefore, the embodiment of the invention can automatically obtain the problem of online examination and check, and does not need to carry out one-to-one face examination and face labeling on the credit data provided by the loan applicant by experiential and competent examination and approval personnel, thereby reducing the cost brought by manually examining and checking the enterprise loan and improving the examination and check efficiency of the enterprise loan.
Compared with the one-to-one face examination and face labeling of the loan applicant according to the credit data provided by the loan applicant by the current experiential and competent examination personnel, the method provided by the embodiment of the invention automatically examines and verifies the loan enterprise in an online video mode, namely, after the identity and the authority of the loan data uploader are ensured, video connection is established with the loan applicant, and then the loan applicant is asked based on the problem generated by loan data information, so that the problems that the loan data uploader cannot be summoned, the identity of the loan data uploader cannot be effectively checked, and the risk of counterfeiting and fraud prevention and the like are solved through the embodiment.
In another embodiment provided by the present invention, the online review request further includes financial data information, and after determining that the face information of the uploader of the loan data matches the face identified from the identity information and the authorization information is verified, the method further includes:
S40B, establishing video connection with loan finance;
and step S40B is a parallel step of step S40A, after the face information of a passer on the loan data is determined to be matched with the face identified from the identity information and the authorization information is verified, video connection with the loan finance is established so as to bring forward problems to the loan finance and verify the online video loan payment of the information. Specifically, the financial data information includes financial interfaces, repayment capabilities, cash flow, operation capabilities, operation benefits, and the like, and the embodiment of the present invention is not limited in particular.
And S50B, asking questions of the loan finance and/or the loan applicant according to the problem information generated by the finance data information, and performing online video loan audit.
For the embodiment of the invention, after the video connection is established with the loan finance and/or loan applicant, the problem information can be generated according to the finance data information, and the loan finance and/or loan applicant is asked for carrying out on-line financial examination on the loan enterprise; in addition, corresponding questions can be generated according to different identities of the online auditors participating in the enterprise, and the questions can be asked, or corresponding question information can be generated according to the operation types of the enterprise, and the questions can be asked for the personnel participating in the online audit, and the embodiment of the invention is not limited specifically.
As shown in fig. 6, in an embodiment provided by the present invention, step S50B: the problem information generated according to the financial data information comprises:
S50B1, matching each index data in the financial data information with the corresponding preset condition, wherein the preset conditions corresponding to different index data are provided with corresponding problem information;
the preset conditions are set according to the requirement of loan audit of the actual enterprise. For example, in the index data of cash flow type, the preset condition is that the net cash flow generated by enterprise operation activities is required to be a positive value, and the cash withdrawal of sales income is required to be more than 85-95%; the enterprise pays the purchased goods in the operation and activity, and the cash payment rate of the labor is above 85-95%. The question information corresponding to the preset condition is configured according to actual requirements, and the question information set for the preset condition can be specifically' why the cash payment rate of the labor is not more than 85-95%.
And S50B2, confirming the problem information corresponding to the preset condition which is not successfully matched as the problem information of the financial data information.
In the embodiment of the invention, after the face information of the uploader of the loan data is determined to be matched with the face identified from the identity information and the authorization information is verified, the video connection with the finance of the loan is established, then the problem information which can be proposed based on the finance data information is determined according to the preset conditions respectively corresponding to each index data, and the loan finance and/or the loan applicant is asked for checking the loan payment on line. Therefore, the embodiment of the invention realizes the online automatic completion of the loan audit of the enterprise, and does not need to carry out one-to-one face audit and face signing on the loan applicant according to the credit data provided by the loan applicant by an experiential and competent auditor, thereby improving the audit efficiency and the audit accuracy of the enterprise loan.
As shown in fig. 7, in an embodiment provided by the present invention, the performing an online video loan audit for step S50A in fig. 2 and step S50B in fig. 3 includes:
s501, obtaining voice response information, heart rate information, facial expression information and fine motion information of the loan data uploader, the loan finance and/or the loan applicant;
specifically, the embodiment of the invention obtains the facial expression information and the fine motion information of the upload people of the loan data, the loan finance and/or the loan applicant through the shooting of the camera; acquiring rhythm information through devices such as a bracelet and the like worn by a money data uploading person, a loan finance and/or loan applicant; and acquiring voice response information of the money data uploader, the loan finance and/or the loan applicant through the voice equipment.
And S502, analyzing the fraud probability of the enterprise by combining the voice response information, the heart rate information, the facial expression information and the fine motion information and the loan data information.
It should be understood that, the sequence numbers of the steps in the foregoing embodiments do not imply an execution sequence, and the execution sequence of each process should be determined by functions and internal logic of the process, and should not limit the implementation process of the embodiments of the present invention in any way.
In an embodiment, an online loan audit device is provided, and the online loan audit device corresponds to the online loan audit method in the above embodiments one to one. As shown in fig. 8, the online deposit auditing apparatus includes an acquisition module 10, a video connection module 20, a detection module 30 and an auditing module 40. The functional modules are explained in detail as follows:
the system comprises an acquisition module 10, a processing module and a processing module, wherein the acquisition module is used for acquiring an online check request sent by a loan data uploader of an enterprise, and the online check request comprises authorization information and identity information of the loan data uploader and loan data information;
the video connection module 20 is used for establishing video connection with the loan data uploader and acquiring the face information of the loan data uploader;
the detection module 30 is used for detecting whether the face information of the uploading person of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification;
the video connection module 20 is further configured to establish video connection with a loan applicant if it is determined that the face information of the uploader on the loan data matches the face identified from the identity information and the authorization information is verified;
and the auditing module 40 is used for uploading the loan data to a person and/or the loan applicant to ask questions according to the question information generated by the loan data information so as to audit the online video loan payment.
The video connection module 20 is further configured to establish a video connection with a loan finance;
the auditing module 40 is further configured to ask questions of the loan finance and/or loan applicant according to the question information generated by the finance data information, so as to audit the online video loan payment.
Specifically, the detection module 30 includes:
an image recognition unit 31, configured to perform image recognition on the authorization information, and acquire text content included in the authorization information;
the detection unit 32 is used for detecting whether the text content is a proof for authorizing the uploading of the loan data by the uploading person;
and the determining unit 33 is configured to determine that the authorization information is verified if the text content is a certificate authorizing the uploading of the loan data by the uploading person.
The auditing module 40 is used for preprocessing the loan data information, wherein the preprocessing comprises screening, redundancy removal and normalization; classifying the preprocessed loan data information according to data types; respectively inputting the loan data information of different data types to the problem generation models of corresponding types to obtain the problem information corresponding to the loan data information of different data types; and determining the question information corresponding to the loan data information of all data types as the question information of the loan data information.
Further, the apparatus further comprises:
the preprocessing module 50 is used for acquiring loan data sample data and preprocessing the loan data sample data;
a classification module 60, configured to classify the preprocessed loan data sample data according to a data type;
the training module 70 is configured to obtain a problem generation model of a corresponding type by training loan data sample data in the same type.
The auditing module 40 is further configured to match each item of index data in the financial data information with its corresponding preset condition, where the preset conditions corresponding to different index data are all provided with corresponding problem information; and confirming the problem information corresponding to the preset condition which is not successfully matched as the problem information of the financial data information.
Further, the auditing module 40 includes:
the obtaining unit 41 is configured to obtain the voice response information, the heart rate information, the facial expression information, and the fine motion information of the loan data uploader, the loan finance and/or the loan applicant;
and the analysis unit 42 is used for analyzing the fraud probability of the enterprise by combining the voice response information, the heart rate information, the facial expression information and the fine motion information and the loan data information.
For the specific definition of the online deposit auditing device, reference may be made to the above definition of the online deposit auditing method, which is not described herein again. All or part of the modules in the online loan auditing device can be realized by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 9. The computer device includes a processor, a memory, a network interface, and a database connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer equipment is used for storing the authorization information and the identity information of the uploader of the loan data and the loan data information. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement an online loan audit method.
In one embodiment, a computer device is provided, comprising a memory, a processor, and a computer program stored on the memory and executable on the processor, the processor implementing the following steps when executing the computer program:
acquiring an online reviewing request sent by a loan data uploader of an enterprise, wherein the online reviewing request comprises authorization information and identity information of the loan data uploader and loan data information;
establishing video connection with the loan data uploader, and acquiring face information of the loan data uploader;
detecting whether the face information of the uploading person of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification;
if the face information of the uploading person of the loan data is determined to be matched with the face identified from the identity information and the authorization information passes verification, establishing video connection with a loan applicant;
and uploading the loan data to a person and/or the loan applicant to ask questions according to the question information generated by the loan data information so as to perform online video loan approval.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of:
acquiring an online reviewing request sent by a loan data uploader of an enterprise, wherein the online reviewing request comprises authorization information and identity information of the loan data uploader and loan data information;
establishing video connection with the loan data uploader, and acquiring face information of the loan data uploader;
detecting whether the face information of the uploader of the loan data is matched with the face identified from the identity information and whether the authorization information passes verification;
if the face information of the uploading person of the loan data is determined to be matched with the face identified from the identity information and the authorization information passes verification, establishing video connection with a loan applicant;
and uploading the loan data to a person and/or the loan applicant to ask questions according to the question information generated by the loan data information so as to perform online video loan approval.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above may be implemented by hardware instructions of a computer program, which may be stored in a non-volatile computer-readable storage medium, and when executed, may include the processes of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in the embodiments provided herein may include non-volatile and/or volatile memory, among others. Non-volatile memory can include read-only memory (ROM), programmable ROM (PROM), electrically Programmable ROM (EPROM), electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), dynamic RAM (DRAM), synchronous DRAM (SDRAM), double Data Rate SDRAM (DDRSDRAM), enhanced SDRAM (ESDRAM), synchronous Link DRAM (SLDRAM), rambus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
It will be apparent to those skilled in the art that, for convenience and brevity of description, only the above-mentioned division of the functional units and modules is illustrated, and in practical applications, the above-mentioned function distribution may be performed by different functional units and modules according to needs, that is, the internal structure of the apparatus is divided into different functional units or modules to perform all or part of the above-mentioned functions.
The above-mentioned embodiments are only used for illustrating the technical solutions of the present invention, and not for limiting the same; although the present invention has been described in detail with reference to the foregoing embodiments, it should be understood by those of ordinary skill in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some technical features may be equivalently replaced; such modifications and substitutions do not substantially depart from the spirit and scope of the embodiments of the present invention, and are intended to be included within the scope of the present invention.
Claims (10)
1. An online loan auditing method, characterized in that the method comprises:
acquiring an online check request sent by a loan data uploader of an enterprise, wherein the online check request comprises authorization information and identity information of the loan data uploader and loan data information;
establishing video connection with the loan data uploader, and acquiring face information of the loan data uploader;
detecting whether the face information of the uploading person of the loan data is matched with the face identified from the identity information and whether the authorization information passes the verification;
if the face information of the uploading person of the loan data is determined to be matched with the face identified from the identity information and the authorization information passes verification, establishing video connection with a loan applicant;
and uploading the loan data to a person and/or the loan applicant to ask questions according to the question information generated by the loan data information so as to perform online video loan approval.
2. The online loan audit method according to claim 1, wherein the online audit request further includes financial document information, and after determining that the face information of the uploader on the loan document matches the face identified from the identity information and the authorization information is verified, the method further includes:
establishing a video connection with the loan finance;
and according to the question information generated by the financial data information, asking questions of the loan finance and/or loan applicant, and performing online video loan approval.
3. The online loan audit method according to claim 2, wherein the detecting whether the authorization information is verified includes:
carrying out image identification on the authorization information to obtain text content contained in the authorization information;
detecting whether the text content is a certificate authorizing the loan data uploading person to upload data or not;
and if the text content is a certificate authorizing the uploading data of the loan data uploading person, determining that the authorization information passes the verification.
4. The online loan auditing method according to claim 1, where the question information generated from the loan profile information includes:
preprocessing the loan data information, wherein the preprocessing comprises screening, redundancy removal and normalization;
classifying the preprocessed loan data information according to data types;
respectively inputting the loan data information of different data types into the problem generation models of corresponding types to obtain problem information corresponding to the loan data information of different data types;
and determining the question information corresponding to the loan data information of all data types as the question information of the loan data information.
5. The online loan audit method of claim 4, wherein the method further comprises:
obtaining loan data sample data and preprocessing the loan data sample data;
classifying the preprocessed loan data sample data according to data types;
and training the loan data sample data in the same type to obtain a problem generation model of the corresponding type.
6. The online loan auditing method according to claim 2, where the problem information generated from the financial document information includes:
matching each index data in the financial data information with the corresponding preset condition, wherein the preset conditions corresponding to different index data are provided with corresponding problem information;
and confirming the problem information corresponding to the preset condition which is not successfully matched as the problem information of the financial data information.
7. The online loan audit method of claim 2, wherein the performing online video loan audit comprises:
acquiring the voice response information, the heart rate information, the facial expression information and the fine motion information of the loan data uploader, the loan finance and/or the loan applicant;
and analyzing the fraud probability of the enterprise by combining the voice answer information, the heart rate information, the facial expression information and the fine motion information and the loan data information.
8. An online deposit auditing device, comprising:
the system comprises an acquisition module, a processing module and a processing module, wherein the acquisition module is used for acquiring an online check request sent by a loan data uploader of an enterprise, and the online check request comprises authorization information and identity information of the loan data uploader and loan data information;
the video connection module is used for establishing video connection with the loan data uploader and acquiring the face information of the loan data uploader;
the detection module is used for detecting whether the face information of the loan data uploader is matched with the face identified from the identity information and whether the authorization information passes the verification;
the video connection module is also used for establishing video connection with a loan applicant when the face information of the uploading person of the loan data is determined to be matched with the face identified from the identity information and the authorization information passes verification;
and the auditing module is used for uploading the loan data to a uploader and/or the loan applicant to ask questions according to the question information generated by the loan data information so as to audit the online video loan.
9. A computer arrangement comprising a memory, a processor and a computer program stored in the memory and executable on the processor, wherein the processor when executing the computer program performs the steps of the online deposit auditing method according to any one of claims 1 to 7.
10. A computer-readable storage medium, in which a computer program is stored, which, when being executed by a processor, carries out the steps of the online deposit auditing method according to any one of claims 1 to 7.
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