CN109598605A - A kind of long-distance intelligent assessment and loan self-aid system based on entity guaranty - Google Patents
A kind of long-distance intelligent assessment and loan self-aid system based on entity guaranty Download PDFInfo
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- CN109598605A CN109598605A CN201811449838.3A CN201811449838A CN109598605A CN 109598605 A CN109598605 A CN 109598605A CN 201811449838 A CN201811449838 A CN 201811449838A CN 109598605 A CN109598605 A CN 109598605A
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- guaranty
- information
- loan
- request side
- funds request
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/03—Credit; Loans; Processing thereof
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
- G06T3/00—Geometric image transformation in the plane of the image
- G06T3/40—Scaling the whole image or part thereof
- G06T3/4038—Scaling the whole image or part thereof for image mosaicing, i.e. plane images composed of plane sub-images
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
- G06T7/00—Image analysis
- G06T7/10—Segmentation; Edge detection
- G06T7/13—Edge detection
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06T—IMAGE DATA PROCESSING OR GENERATION, IN GENERAL
- G06T7/00—Image analysis
- G06T7/10—Segmentation; Edge detection
- G06T7/136—Segmentation; Edge detection involving thresholding
Abstract
A kind of long-distance intelligent assessment and loan self-aid system based on entity guaranty that the embodiment of the present application proposes, it include: user terminal, for receiving the loan requests information of funds request side's transmission, and it is sent to server, the loan requests information includes loan limit demand, mode of repayment, refund duration and guaranty information；Mobile device, for obtaining the image information of guaranty and the audiovisual information of funds request side user；Server, the loan requests information sent for receiving the user terminal, and the identity information of funds request side is authenticated, it is to be certified by rear, the instruction for obtaining the guaranty entity information is sent to mobile device, and after getting the image information of guaranty and the audiovisual information of funds request side in the mobile device, value assessment is carried out to the guaranty according to the image information for receiving guaranty, determine the assessed value of the guaranty, and by the loan requests information of funds request side and the publication of the assessed value of the guaranty in corresponding webpage, it is browsed for fund provider.
Description
Technical field
This application involves Internet technical field more particularly to a kind of long-distance intelligent assessments and loan based on entity guaranty
Money self-aid system.
Background technique
As financial service is information-based, interconnection networking, electronization popularize, each financial institution be proposed from
The actual products such as cash dispenser, self-service machine of applying for card, Web bank are helped, relaxedly and rapidly self-service transacting business is enabled a user to,
And save the human cost of financial institution.
With the rapid development of economy, the raising of people's lives level, there is existing funds not to be able to satisfy people couple
It the case where purchase, investment, medical treatment, admission demand, needs to provide a loan to meet current credit requirement.
Although coming in the form of self-service currently, having there is financial institution to be proposed the either online loan done by oneself of loan done by oneself machine
Business of offering a loan is not propped up however, this loan transaction is generally only applicable to no secured credit mode or ticket mortgage mode
The business that entity guaranty realizes loan that provides is provided.
In fact, the loan based on entity guaranty be it is more common, audient is more extensive, risk guarantee is preferably provided a loan
Mode.For example, the user as funds request side can provide the house property held in one's own possession, the high-value goods such as name packet famous-brand clock, or
The collectibles such as person's antique, jewellery are sought and the basic equivalent loan limit of guaranty, this mode as entity guaranty
Especially suitable for using numerous domestic consumers as the small amount day-to-day accommodation business of target, fund side is also happy to provide entity guaranty
User give batch and to borrow.
But realized currently without effective technological means and remote web assessment is carried out to the value of entity guaranty,
And networking, self-oriented financial service are provided based on this.One come be the assessment to entity collateral value dependent on pair
The guaranty time of day is accurately known and is observed, such as fine status of guaranty etc., but if by making a report on the net
Remote evaluation is carried out with the information of transmission, guaranty state distortion, uneven, feelings fuzzy and that influence accurate definite value inevitably occurs
Shape；Two need specialized verification, setting loss means to the definite value of entity guaranty being, and to the comprehensive of the multiple informations such as market
Analysis is closed, is a high-tech sex work, general finance practitioner can not be on duty competent after simple training, and reach
Valuer's number of standard is few, emolument is high, forms human resources bottleneck；Three, the entity guaranty valuation that valuer provides
It is the judgement even felt based on personal experience, there are a degree of subjective random, the objective governed standards of shortage, therefore
For the user of funds request side, the degree of recognition of the valuation is also difficult to be promoted, or even is easy to occur because of valuation dispute
And the case where causing Fail Transaction.So being typically only capable to currently based on the loan transaction of entity guaranty configured with valuer
A small number of financial institutions scene manually handle, long flow path, program complexity is very inconvenient, and even for it is only necessary to small amounts
The case where consumptive loan is also in this way, being very easy to that client is brought to be unsatisfied with the problem of being lost with potential user, and financial institution
Also it is unwilling to promote this mode.
As it can be seen that the situation of the prior art be highly detrimental to the loan mode based on entity guaranty realize internet promote with
And self-oriented service, affect the experience of user.
Summary of the invention
In view of this, the purpose of the application is to propose that a kind of long-distance intelligent based on entity guaranty is assessed and provided a loan certainly
Auxiliary system, to solve to carry out remote evaluation, evaluation process without value of the effective technological means to guaranty in the prior art
In acquisition of information be easy distortion, rely on artificial experience, assessment objectivity it is lower, cannot achieve self-oriented financial service, influence
The technical issues of user experience.
Based on above-mentioned purpose, the long-distance intelligent assessment and the self-service system that provides a loan that present applicant proposes a kind of based on entity guaranty
System, comprising:
User terminal for receiving the loan requests information of funds request side's transmission, and is sent to server, and the loan is asked
Seeking information includes loan limit demand, mode of repayment, refund duration and guaranty information；
Mobile device, for obtaining the image information of guaranty and the audiovisual information of funds request side user；
Server, the loan requests information sent for receiving the user terminal, and to the identity information of funds request side
It is authenticated, it is to be certified by rear, the instruction for obtaining the guaranty entity information is sent to mobile device, and in the movement
After equipment gets the image information of guaranty and the audiovisual information of funds request side, according to the image information for receiving guaranty
Value assessment is carried out to the guaranty, determines the assessed value of the guaranty, and by the loan requests information of funds request side
It issues in corresponding webpage with the assessed value of the guaranty, is browsed for fund provider.
In some embodiments, the server includes memory module, for storing the registration information of user, the registration
Information includes the identification card number and/or my recent photo and/or identity card picture and/or finger print information of user.
In some embodiments, the server is specifically used for:
After receiving the loan requests information that funds request side is sent by the user terminal, believed according to corresponding account
The registration information of pre-stored funds request side carries out the identity information of funds request side in breath and the memory module
Certification.
In some embodiments, the server further include: value assessment module, the value assessment module include true
Verification unit, reference value query unit, discount rate determination unit, assessed value computing unit.
In some embodiments, the true unit of veritifying is for the brand and model according to guaranty, from Network Picture Database
Middle downloading is corresponding with reference to figure, and the image information of guaranty is matched with described with reference to figure, judges whether the two is consistent
It closes.
In some embodiments, the discount rate determination unit is used for according to the use duration in guaranty information, and
The defect state reflected in guaranty high-definition image information collected, convert certain discount rate.
In some embodiments, the discount rate determination unit carries out image mosaic to the image information of guaranty, uses
Edge detection operator carries out edge detection, the image-region that confirmation closed edge is surrounded, for extracted to mortgage object image
The image-region surrounded with closed edge is filtered compared with pixel threshold, rejected region is determined, according to the rejected region
Quantity, length, width and distributing position, the discount rate by weight of scheduled conversion relation.
In some embodiments, the discount rate determination unit carries out the defects of guaranty image information image locations
Label.
In some embodiments, the server is also used to, after determining the assessed value of guaranty, by the assessed value and
The preliminary accrediting amount, product, time limit, interest rate feed back to funds request side, after funds request side receives credit scheme and agrees to,
The related data of funds request side is audited by being pushed to fund provider, is operated by fund provider and carries out loan stroke
Turn, and fund provider by the fund of loan limit from loan provider account transfer to funds request side after, by the loan
Money service marker is completion status.
In some embodiments, the mobile device includes stereoscopic shooting device, and the stereoscopic shooting device includes under casing
And protection cap, under casing include rotatable turntable, and have a plurality of electric sliding rail, are sliding combined with a bat on every electric sliding rail
Take the photograph component.
The long-distance intelligent based on entity guaranty of the embodiment of the present application is assessed and loan self-aid system, support networking,
Self-oriented entity guaranty loan transaction, and long-range, intelligent assessment are carried out to the value of guaranty, it ensure that guaranty
The objectivity that authenticity, the assessed value of information collection generate, is conducive to the mode combination internet provided a loan based on entity guaranty
Technological means and realize a wide range of popularization and application.
Detailed description of the invention
By reading a detailed description of non-restrictive embodiments in the light of the attached drawings below, the application's is other
Feature, objects and advantages will become more apparent upon:
Fig. 1 is the structure of the long-distance intelligent assessment and loan self-aid system based on entity guaranty of the embodiment of the present application one
Schematic diagram；
Fig. 2A -2E be the embodiment of the present application one based on entity guaranty long-distance intelligent assessment and loan self-aid system
Stereoscopic shooting device structural schematic diagram；
Fig. 3 is the structure of the long-distance intelligent assessment and loan self-aid system based on entity guaranty of the embodiment of the present application two
Schematic diagram；
Fig. 4 is the discount of the long-distance intelligent assessment and loan self-aid system based on entity guaranty of the embodiment of the present application two
Rate determination process schematic diagram.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining related invention, rather than the restriction to the invention.It also should be noted that in order to
Convenient for description, part relevant to related invention is illustrated only in attached drawing.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
Long-distance intelligent assessment and loan self-aid system provided by the embodiments of the present application based on entity guaranty, for being to need
It is offered a loan platform, the individual of user can be believed with the user (the funds request side hereinafter referred to) that guaranty is provided a loan
In the system in the technical solution of the application, the user for for providing with funds (is hereinafter referred to for breath and the publication of guaranty information
Fund provider) browsing；Also, the guaranty information that acquired by loan platform and according to guaranty use of information intelligence from
The assessed value that dynamic evaluation measures are made can also be issued jointly in systems by the platform；If fund provider is according to funds request side
The analysis of personal information, guaranty information and assessed value needs to provide money with the funds request side that guaranty is provided a loan with meaning
Gold then transfers corresponding amount to funds request side；It then can be by the temporary closed tube of platform, according to subsequent for chattels under Mortgage
Loan gives back situation and carries out necessary transfer or return.It is carried out below with reference to technical solution of the specific embodiment to the application
Explanation.
Specifically, as shown in Figure 1, be the embodiment of the present application one based on entity guaranty long-distance intelligent assessment and loan
The structural schematic diagram of self-aid system.From figure 1 it appears that the present embodiment based on entity guaranty long-distance intelligent assessment and
Loan self-aid system, specifically includes that
User terminal 1101 for receiving the loan requests information of funds request side's input, and is sent to server, the loan
Money solicited message includes loan limit demand, mode of repayment, refund duration and guaranty information.Sending the loan requests information
While, the identity information of funds request side is also uploaded to server by user terminal 1101 together.
In the present embodiment, the user terminal 1101 can be as the user of funds request side held include intelligence
Mobile terminal including mobile phone, tablet computer, laptop, which has the function of connecting internet, when useful
When family needs to provide a loan by entity guaranty, the long-distance intelligent based on entity guaranty can be accessed by user terminal 1101 and assessed
And the server of loan self-aid system, the user can comment as funds request side in the long-distance intelligent based on entity guaranty
Estimate and the server for self-aid system of providing a loan provide Interactive Web Page in fill in corresponding loan requests information.Specifically, the money
Golden requesting party can show the Interactive Web Page in user terminal 1101 and fill in loan requests information, in user terminal 1101 by being somebody's turn to do
After Interactive Web Page receives the loan requests information filled in the funds request side, which is sent to service
Device.
The loan requests information that user fills in may include loan limit demand, mode of repayment, refund duration and guaranty
Information.Wherein, loan limit demand is the amount that funds request side needs to provide a loan；Mode of repayment can be monthly repay capital with interest,
It monthly pays interest and expires the disposable repayment of principal, expire any one disposably repaid capital with interest etc. in modes；Refund duration can be money
Golden requesting party completes the time limit all refunded；Guaranty information can be the basic of the guaranty voluntarily provided by funds request side
Information.In addition, the user of funds request side can also actively fill in income flowing water, credit record, previous loan repayment record etc.
Additional information.
In the present embodiment, the entity guaranty may include multiple types, respectively high-value goods, house property and receipts
Collection.Wherein, high-value goods can be name packet, famous-brand clock, high-grade electronic product etc., for high-value goods, the guaranty
Information can be filled in the brand of the guaranty, model, using duration etc., such as LV board S3L type women's bag by funds request side, be used
Half a year.For the entity guaranty of house property type, the guaranty information can be filled in address, the face of house property by funds request side
Product, building type, is completed days etc. at land type.And for collectibles such as antique, jewellery, the guaranty information then can be with
Fill in category, age, quality, net weight etc., such as fill in Qing Dynasty's qianlong years colour enamels disk, thousand 24K Gold Ring, 15 grammes per square metre etc..
Mobile device 1102, for obtaining the image information of guaranty and the audiovisual information of funds request side user.Institute
It states mobile device 1102 to be held by the staff (air control personnel) of this system operator, with high reliability mobile communication function
Can, such as encryption 4G data communication may be implemented.
When funds request side by user terminal 1101 to based on entity guaranty long-distance intelligent assessment and the self-service system that provides a loan
After the server of system sends loan requests information, server is assigned to mobile device 1102 and obtains the guaranty entity information
Instruction.It, can after the staff (air control personnel) of system gets in touch with the funds request side to provide a loan according to the instruction distributed
It is visited with to carry the mobile device 1102 and guaranty is shot.Mobile device 1102 has dedicated for shooting the entity
The stereoscopic shooting device of guaranty, for the entity guaranty of high-value goods, collectibles these movable property classes, which can
It is each towards upper high-definition image with the entity guaranty from multiple angle shots；The equipment 1102 also can be used in air control personnel
Shoot the high-definition image of the house property as real estate mortgage object；The mobile device 1102 can also carry out video and audio video recording,
To carry out video capture or audio sound-recording with the interview of funds request side user, and by the high-definition image of shooting and/or
Video and audio, are sent to server, so that value of the server to guaranty is assessed, and to practical loan requests people
Audiovisual materials achieved.
Fig. 2A -2E shows the structural schematic diagram of the stereoscopic shooting device as mobile device 1102.Stereoscopic shooting dress
It sets including under casing 1 and protection cap 2, protection cap 2 is opened, in inside it can be seen that having turntable 102, under casing 1,2 and of protection cap
Turntable 102 is made of clear PVC material.And first motor 101 is fixed with inside under casing 1,101 output shaft one end of first motor
It is fixedly connected with the turntable 102, turntable 102 is embedded in 1 top of under casing and can be rotated relative at the top of under casing 1, and 1 bottom of under casing is solid
Surely there is a bottom cover 103 to close the bottom of under casing 1.1 dome top surface of under casing is fixed, and there are four the electric sliding rails 3 erect, and cover
103 inner surface of body is also fixed with another electric sliding rail 3, and 3 one end of electric sliding rail positioned at four settings of 1 top surface of under casing is solid
Surely there is top plate 104.A picture shooting assembly 4 is sliding combined on every electric sliding rail 3.Picture shooting assembly 4 includes fixing seat 401 and a hinge
Seat 402,401 1 surface of fixing seat is fixed with a camera 403 and a light compensating lamp 404, and another surface of fixing seat 401 is fixed with one
Link block 405 is organized, running through on free bearing 402 has a shaft, and shaft one end is fixed with motor 406,407 1 surface of motor and free bearing
402 1 surfaces are fixedly connected, and 405 inner wall of link block is fixedly connected with shaft week side.Top surface outside protection cap 2, which is installed, to be fixed
There is one individually to image recording component 201, which is fixedly connected with 104 outer surface of top plate.During the work time, it opens
Protection cap 2 will be simultaneously placed on turntable 102 as the high-value goods of entity guaranty, collectibles etc., then closed protective again
Lid 2.Turntable 102 is able to drive by first motor 101 to rotate, and then drives the guaranty rotation on turntable 102, by electronic
Sliding rail 3 is able to drive picture shooting assembly 4 and runs back and forth along the direction of each one slide rail 3, is able to drive shaft 406 by motor 407
Movement can shoot all angles of guaranty in protection cap 2, and shooting angle to adjust the angle of picture shooting assembly 4
Degree control is accurate.Camera shooting recording component 201 then can be used for shooting house property, and to the user as funds request side
Carry out audio-visual shooting.The configuration of mobile device 1102, can be by high-resolution collected by supporting 4G to encrypt the chip of digital communication
Degree image and/or video and audio are sent to server 1103.Also, if staff supports high-value goods, collectibles etc.
The temporary closed tube of wagering, then mobile device 1102 can also play the role of Portable box, can protect guaranty by protection cap 2 and exist
It carries and avoids being damaged in transportational process.
Server 1103, the loan requests information sent for receiving the user terminal 1101；And to funds request side
Identity information is authenticated, to be certified by rear, and the instruction for obtaining the guaranty entity information is sent to mobile device 1102,
And after getting the image information of guaranty and the audiovisual information of funds request side in the mobile device, mortgaged according to receiving
The image information of object carries out value assessment to the guaranty, determines the assessed value of the guaranty；And by funds request side
Loan requests information and the publication of the assessed value of the guaranty browse in corresponding webpage for fund provider.
In the present embodiment, the server 1103 is used to receive the loan that the funds request side of the transmission of user terminal 1101 is filled in
Money solicited message, and the identity information of funds request side is authenticated.Specifically, funds request side can be in advance in the base
In the long-distance intelligent assessment and loan self-aid system register account number of entity guaranty, and personal letter is filled in while register account number
Breath carries out real name registration, shines for example, funds request side can fill in identification card number, the recent photo for uploading me and identity card
Piece, and the finger print information for the requesting party that provides with funds etc..In addition, funds request side can also add the additional information of its people,
Such as: the income flowing water of funds request side proves that flowing water proof can be wage chronological file or authorize this platform from silver
Row inquires its wage chronological file；Additional information can also be the previous loan in the funds request side and refund situation, credit note
Record etc., server 1103 can the registration information to funds request side store.It is asked when funds request side initiates loan
After asking, the server 1103 can transfer corresponding registration information, when lifting loan requests information with the funds request side on
The identity information of biography is checked, and is authenticated with the identity information to funds request side, that is, determines the identity of funds request side
Whether it is consistent with identity when registration；And it veritifies the credit standing of the funds request side, Income situation, existing loan position and is
It is no to meet most basic loan qualifying requirements.
After identity that funds request side has been determined and loan qualifying requirements, the server 1103 is to the mobile device
1102 send the instruction for obtaining the guaranty entity information, and instruction carries the mobile device 1102 by the staff of system
The entity information of guaranty is obtained to funds request side location, and the individual subscriber video and audio for recording funds request side is stayed
Shelves.The staff (air control personnel) of system, which can carry the mobile device 1102 and visit, shoots guaranty, for
The chattels under Mortgage such as high-value goods or collectibles can multiple angle shots entity guarantys it is each towards upper fine definition
Image；The photo of equipment shooting house property also can be used in air control personnel；The mobile device 1102 can also carry out video record, will be with
The interview of borrower carries out video capture or audio sound-recording, and by the high-definition image of shooting and/or the view of user
Frequency and audio, are sent to server 1103.
Server 1103 is after receiving the above- mentioned information that the mobile device 1102 is sent out, according to the loan requests information
In include guaranty information and the entity guaranty image information, with intelligent automatic analysis method to guaranty
Value assessment is carried out, the assessed value of the guaranty is determined, and after the assessed value of guaranty has been determined, by funds request side
Loan requests information (i.e. loan limit demand, mode of repayment, refund duration etc.), additional information, guaranty information, guaranty figure
The assessed value of picture and guaranty is issued in corresponding webpage, for fund provider browsing, in order to protect individual privacy,
Real Name can be replaced with code name with the Real Name of underground funds request side user in the above- mentioned information published,
User's Real Name is individually sent to fund provider again after fund provider, which determines, to offer a loan.
Fund provider can decide whether to provide money to funds request side according to the above- mentioned information that server 1103 is issued
Gold, if fund provider determines to provide with funds to funds request side, by fund provider from itself account by loan limit
In funds transfer to the account of funds request side, the entity guaranty is registered as by server on guaranty registration list at this time
It mortgages to fund provider, and the loan transaction is labeled as being completed, after completing the loan transaction, the server 1103
Also continue the refund situation of monitoring loan user；After the user that provides a loan subsequent completion loan repayment, then guaranty is registered as solving
Mortgage, and the notification message for reclaiming chattels under Mortgage is sent to funds request side；Conversely, as funds request side does not complete also
Money, overdue time or the overdue amount of money reach the threshold value for transferring guaranty, then the notice for getting guaranty is sent to fund provider
Chattels under Mortgage is handed to fund provider by message.
The long-distance intelligent based on entity guaranty of the embodiment of the present application is assessed and loan self-aid system, support pass through network
It is long-range to carry out collateral value assessment, and then the self-service loan transaction based on entity guaranty is provided, be conducive to enhancing and be based on
The convenience and use scope of guaranty loan, and also developed the special equipment suitable for entity guaranty information collection.
As shown in figure 3, be the embodiment of the present application two based on entity guaranty long-distance intelligent assessment and the self-service system that provides a loan
The structural schematic diagram of system.As the alternative embodiment of the application, it is described based on entity guaranty long-distance intelligent assessment and
Loan self-aid system, comprising:
User terminal 1201 for receiving the loan requests information of funds request side's transmission, and is sent to server, the loan
Money solicited message includes loan limit demand, mode of repayment, refund duration and guaranty information.
Mobile device 1202, for obtaining the image information of guaranty and the audiovisual information of funds request side user.
Server 1203, the loan requests information sent for receiving the user terminal, and to the identity of funds request side
Information is authenticated；It is to be certified by rear, the instruction for obtaining the guaranty entity information is sent to mobile device, and described
After mobile device gets the image information of guaranty and the audiovisual information of funds request side user, according to the image of guaranty
Information carries out value assessment to the guaranty, determines the assessed value of the guaranty；And by the loan requests of funds request side
Information and the publication of the assessed value of the guaranty browse in corresponding webpage for fund provider.
Specifically, the server 1203 further includes memory module 12031, described for storing the registration information of user
Registration information includes the identification card number and/or my recent photo and/or identity card picture and/or finger print information of user.When with
In the system registry account of the present embodiment, server 1203 can obtain the registration information of user, and to the registration information at family
It is stored.After receiving the loan requests information that funds request side is sent by the user terminal, asked according to the loan
The corresponding account information of information is sought, the registration information of pre-stored funds request side in the memory module is transferred, to fund
The identity information of requesting party authenticates.
In the present embodiment, the guaranty can be divided into three classes, respectively high-value goods, house property and collectibles；Phase
Ying Di, the server 1203 include value assessment module 12032, for making the entity using the automatic evaluation measures of intelligence
The assessed value of guaranty.The value assessment module 12032 includes: proof of genuineness unit 12032A, reference value query unit
12032B, discount rate determination unit 12032C, assessed value computing unit 12032D.The above unit is right respectively according to different processes
High-value goods, house property and collectibles carry out value assessment, to determine the assessed value of guaranty, refer to for fund provider.
The proof of genuineness unit 12032A is used for for high-value goods, according to the high value for including in guaranty information
The brand and model of commodity, inquired in network data base or search engine the commodity with reference to figure；Such as famous-brand clock, name
Packet, high-grade electronic product etc., brand, the model that can be filled in guaranty information according to funds request side user,
It is downloaded in Network Picture Database corresponding with reference to figure；Proof of genuineness unit 12032A and by the guaranty collected of mobile device 1202
Image information is matched with described with reference to figure, judges whether the two is consistent；By validity check if being consistent, thus anti-
Model adulterates, is filled excellent guaranty information with bad and is made a report on behavior.For the guaranty of collectibles and house property type, due to general
It can not obtain appropriate with reference to figure, then execute inspection without the proof of genuineness unit 12032A.
Reference value query unit 12032B is directed to high-value goods, house property and collectibles three classes guaranty, can be using not
Same inquiry mode and inquiry data source, obtains its reference value.For high-value goods, which wraps according in guaranty information
The brand and model of the high-value goods contained, the database networked from network search engines or electric business platform, rate of exchange website are worked as
In, search its reference value.For collectibles such as antique, jewellery, which looks into according in transaction row or auction room's database
Ask the auction price or transaction knock-down price of the antique of corresponding age and category, or the query unit weight gold in transaction row database
Valence, so that it is determined that the reference value of collectibles.For building property mortgage object, reference value query unit 12032B is according in guaranty information
The address of house property, land type, building type, is completed days at area, and connection relevant speciality assesses Corporation system port, carries out
Real-time room rate assessment, or compared in real time by the room rate with second-hand house transaction platform, determine the reference value of house property；And
And the reference value of building property mortgage object is supplied directly to assessed value computing unit 12032D by the unit, is determined without discount rate
Unit 12032C carries out discount processing.
Discount rate determination unit 12032C believes the guarantee of high-value goods and collectibles type by guaranty
The flaw that reflects in use duration and guaranty high-definition image information collected in breath knocks the defects of damage, flaw shape
State, convert certain discount rate.It wherein, can basis since it is bigger using time more long then discount for high-value goods
Use duration in guaranty information assesses an initial allowance rate, then the defect state based on guaranty calculates on this basis
Defect discount rate, the two are multiplied as final discount rate.And for collectibles, then it will directly be calculated based on its defect state
The defect discount rate come is as final discount rate.
Specifically, discount rate determination unit 12032C is received according to high-value goods collected or antique, jewellery etc.
The high-definition image of collection, the image locations for extracting scratch therein using Boundary extracting algorithm, knocking damage, flaw；And in guaranty
High-definition image in scratch, knock damage, the image locations of flaw are marked, such as increase arrow, to facilitate fund to mention
Supplier can be noted that guaranty itself is lost more than existing before batch loan when examination guaranty information.The unit and according to institute
It states scratch, knock damage, the quantity of the image locations of flaw, length, width, distributing position is rolled over by weight of scheduled conversion relation
Button rate obtains assessed value multiplied by reference value using discount rate.As shown in figure 4, the discount rate determination unit 12032C is for moving
The image information for the collectibles all angles that dynamic equipment 1202 is shot, is first carried out image mosaic process, i.e., believes multiple image
Breath is spliced into the collectibles image of a secondary full angle；In turn, second, the Boundary extracting algorithm is executed, which can use
Edge detection operator carries out edge detection to mortgage object image, specifically, will make to collectibles image and Gauss mask template
Convolution is smoothed the collectibles image；The collectibles image after calculating smoothing processing using Sobel operator
Each pixel gradient；Retain the maximum of gradient intensity on each pixel of image, deletes other values；Set image
Each pixel on gradient intensity maximum the threshold value upper bound and threshold value lower bound, the maximum of gradient intensity is greater than described
The pixel in the threshold value upper bound is confirmed as edge, and the maximum of gradient intensity is greater than the threshold value lower bound and is less than the threshold value upper bound
Pixel be confirmed as weak edge, by the maximum of gradient intensity be less than the threshold value lower bound pixel be confirmed as non-edge；
In turn, edge is confirmed as at the weak edge being connected with the edge, non-edge is confirmed as at other weak edges, to extract receipts
Whole edge in collection image；Third confirms closed edge region, according to the whole edges identified, extracts by enclosed edge
The image-region that edge surrounds；4th, defect area confirmation can for the extracted image-region surrounded with closed edge
It can be scratch in collectibles image, knock image locations where the defects of damage, flaw, it is also possible to be the flower in collectibles
Image locations where line, grid；But the decorative pattern, grid directionality in collectibles are stronger, and are typically repeated appearance, and draw
Trace, knock damage, rejected region where flaw and the general change degree in its neighboring area it is bigger, therefore, the frequency domain distribution range of the two
Difference can carry out inhibition filtering to energy collection frequency domain in image spectrum first with frequency domain filter, weaken decorative pattern, grid etc.
Regular image locations, and enhance the picture signal of rejected region, in turn, closed edge after filtering processing is surrounded into image portion
The pixel value of position is compared with pixel threshold, and the closed edge encirclement image locations greater than the threshold value are then regarded as belonging to defect
Position, thus realize to scratch, knock damage, flaw the defects of region extraction；5th, quantification operation is lacked for extracted
Region is fallen into, the length and width of each defect area is quantitatively determined；6th, according to the scratch, knock these defective parts of damage, flaw
Quantity, length, width and the distributing position of position, the discount rate by weight of scheduled conversion relation；For example, can be lacked to be each
It falls into region and one cumulative integral is generated according to its length and width, the distributing position further according to each defect area is accumulation product
It takes separately with a weighted value, obtains weight integrated value, it is clear that the defect area weighted value positioned at visible surface is big, and is located at bottom surface
Defect area weighted value etc. non-visible surface is low；The weight integrated value in cumulative all defect region, then by inquiring mapping table,
Discount rate is converted by the weight integrated value.
Finally, assessed value computing unit 12032D is for high-value goods and collectibles, according to reference value obtained and
Discount rate obtains assessed value multiplied by reference value using discount rate in assessed value calculation processing.And for house property, then it can be straight
It connects using reference value as assessed value.
Server 1203 is after determining the assessed value of guaranty, by the assessed value and the preliminary accrediting amount, product, phase
Limit, interest rate, etc. feed back to fund provider, credit scheme that funds request side is received and related data pass through system and push
To fund, provider is audited, operated by fund provider carry out loan transfer；System server will be borrowed in fund provider
The fund of amount of money degree is transferred from the account of loan provider to after loan user, and business is completed before system marks are borrowed.
The long-distance intelligent based on entity guaranty of the embodiment of the present application is assessed and loan self-aid system, support networking,
Self-oriented entity guaranty loan transaction, and long-range, intelligent assessment are carried out to the value of guaranty, it ensure that guaranty
The objectivity that authenticity, the assessed value of information collection generate, is conducive to the mode combination internet provided a loan based on entity guaranty
Technological means and realize a wide range of popularization and application.
Above description is only the preferred embodiment of the application and the explanation to institute's application technology principle.Those skilled in the art
Member is it should be appreciated that invention scope involved in the application, however it is not limited to technology made of the specific combination of above-mentioned technical characteristic
Scheme, while should also cover in the case where not departing from foregoing invention design, it is carried out by above-mentioned technical characteristic or its equivalent feature
Any combination and the other technical solutions formed.Such as features described above has similar function with (but being not limited to) disclosed herein
Can technical characteristic replaced mutually and the technical solution that is formed.
Claims (10)
1. a kind of long-distance intelligent assessment and loan self-aid system based on entity guaranty characterized by comprising
User terminal for receiving the loan requests information of funds request side's transmission, and is sent to server, the loan requests letter
Breath includes loan limit demand, mode of repayment, refund duration and guaranty information；
Mobile device, for obtaining the image information of guaranty and the audiovisual information of funds request side user；
Server, the loan requests information sent for receiving the user terminal, and the identity information of funds request side is carried out
Certification, it is to be certified by rear, the instruction for obtaining the guaranty entity information is sent to mobile device, and in the mobile device
After getting the image information of guaranty and the audiovisual information of funds request side, according to the image information of reception guaranty to institute
It states guaranty and carries out value assessment, determine the assessed value of the guaranty, and by the loan requests information of funds request side and institute
The assessed value for stating guaranty is issued in corresponding webpage, is browsed for fund provider.
2. system according to claim 1, which is characterized in that the server includes memory module, for storing user
Registration information, the registration information include user identification card number and/or my recent photo and/or identity card picture and/
Or finger print information.
3. system according to claim 2, which is characterized in that the server is specifically used for:
After receiving the loan requests information that funds request side is sent by the user terminal, according to corresponding account information with
And the registration information of pre-stored funds request side authenticates the identity information of funds request side in the memory module.
4. system according to claim 1, which is characterized in that the server further include: value assessment module, the valence
Value evaluation module includes proof of genuineness unit, reference value query unit, discount rate determination unit, assessed value computing unit.
5. system according to claim 4, which is characterized in that the true unit of veritifying is for the brand according to guaranty
And model, it downloads corresponding with reference to figure, and the image information of guaranty is matched with described with reference to figure from Network Picture Database,
Judge whether the two is consistent.
6. system according to claim 4, which is characterized in that the discount rate determination unit is used for according to guaranty information
In use duration and guaranty high-definition image information collected in the defect state that reflects, convert certain discount rate.
7. system according to claim 6, which is characterized in that image information of the discount rate determination unit to guaranty
Image mosaic is carried out, edge detection, the image that confirmation closed edge is surrounded are carried out to mortgage object image using edge detection operator
Region is filtered compared with pixel threshold the extracted image-region surrounded with closed edge, determines defective part
Position, according to the quantity of the rejected region, length, width and distributing position, the discount rate by weight of scheduled conversion relation.
8. system according to claim 7, which is characterized in that image information of the discount rate determination unit to guaranty
Image mosaic is carried out, edge detection, the image that confirmation closed edge is surrounded are carried out to mortgage object image using edge detection operator
Region is filtered compared with pixel threshold the extracted image-region surrounded with closed edge, determines defective part
Position, according to the quantity of the rejected region, length, width and distributing position, the discount rate by weight of scheduled conversion relation.
9. system according to claim 8, which is characterized in that the discount rate determination unit is in guaranty image information
Defect image position be marked.
10. system according to claim 1, which is characterized in that the server is also used to, in the assessment for determining guaranty
After value, the assessed value and the preliminary accrediting amount, product, time limit, interest rate are fed back into funds request side, connect in funds request side
After collection of letters credit side case and agreement, the related data of funds request side is audited by being pushed to fund provider, by fund
Provider operation carry out loan transfer, and fund provider by the fund of loan limit from loan provider account transfer to
Behind funds request side, which is labeled as completion status.
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