CN112102066A - Initial examination method, device and system for outgoing personal loan - Google Patents
Initial examination method, device and system for outgoing personal loan Download PDFInfo
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Abstract
The invention discloses a preliminary examination method, a device and a system for an outgoing personal loan, wherein the method comprises the following steps: the mobile terminal inputs the information of the borrower and the information of the related person to obtain a face recognition image of the borrower and the related person; the mobile terminal dynamically distributes the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment; the remote auditing equipment audits the information of the loan persons and the information of the related persons as well as the face recognition images of the loan persons and the related persons to obtain an auditing result, and returns the auditing result to the mobile terminal; and the mobile terminal determines whether the personnel audit is passed or not based on the audit result. The invention can utilize remote auditing means to improve the competitiveness of personal loan business when going out, greatly shorten the handling time of the initial examination of the personal loan business when going out and reduce the waiting time of queuing of customers.
Description
Technical Field
The invention relates to the technical field of loan preliminary examination processing, in particular to a preliminary examination method, a device and a system for an outgoing personal loan.
Background
This section is intended to provide a background or context to the embodiments of the invention that are recited in the claims. The description herein is not admitted to be prior art by inclusion in this section.
Loans are a type of basic business for banks or other financial institutions where outbound personal loan applications are a relatively important source of revenue for extension. At present, by using an outgoing mobile terminal, although mobile handling is realized, multiple outgoing conditions at the same site often occur, each group of outgoing personnel can only carry one set of equipment, in a business process, a primary loan and other related personnel need to be audited, when the business in multiple loans needs to be audited, because the outgoing local audit can only be sequentially audited by single equipment, the time consumption of single business in the audit stage is long, the number of queuing personnel is large, and the loss of customers is caused.
Disclosure of Invention
The embodiment of the invention provides a preliminary examination method of an outgoing personal loan, which is used for shortening the handling time of the preliminary examination of the outgoing personal loan service and reducing the queuing waiting time of customers and comprises the following steps:
the mobile terminal inputs the information of the borrower and the information of the related person to obtain a face recognition image of the borrower and the related person;
the mobile terminal dynamically distributes the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment;
the remote auditing equipment audits the information of the loan persons and the information of the related persons as well as the face recognition images of the loan persons and the related persons to obtain an auditing result, and returns the auditing result to the mobile terminal;
and the mobile terminal determines whether the personnel audit is passed or not based on the audit result.
The embodiment of the invention provides a preliminary examination method of an outgoing personal loan, which is used for shortening the handling time of the preliminary examination of the outgoing personal loan service and reducing the queuing waiting time of customers and comprises the following steps:
inputting information of a borrower and information of a related person, and acquiring a face recognition image of the borrower and the related person;
dynamically distributing the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment;
receiving an auditing result obtained after the remote auditing equipment audits the information of the borrowers and the information of the related persons and the face identification images of the borrowers and the related persons;
and determining whether the personnel audit is passed or not based on the audit result.
The embodiment of the invention provides a preliminary examination method of an outgoing personal loan, which is used for shortening the handling time of the preliminary examination of the outgoing personal loan service and reducing the queuing waiting time of customers and comprises the following steps:
receiving loan person information and related person information which are input and dynamically distributed by a mobile terminal, and acquiring face recognition images of loan persons and related persons;
and auditing the information of the borrowers and the information of the related persons and the face identification images of the borrowers and the related persons to obtain an auditing result, and returning the auditing result to the mobile terminal.
The embodiment of the invention also provides a preliminary examination system of the outgoing personal loan, which is used for shortening the handling time of the preliminary examination of the outgoing personal loan service and reducing the queuing waiting time of customers, and the system comprises: the mobile terminal and the remote auditing equipment are used for realizing the initial auditing method of the outgoing personal loan.
The embodiment of the invention also provides a preliminary examination device for the outgoing personal loan, which is used for shortening the handling time of the preliminary examination of the outgoing personal loan service and reducing the queuing waiting time of customers, and comprises:
the information input module is used for inputting the information of the borrower and the information of the related person;
the face recognition image acquisition module is used for acquiring face recognition images of the loan persons and the related persons;
the information dynamic distribution module is used for dynamically distributing the information of the borrowers and the information of the related persons as well as the face identification images of the borrowers and the related persons to corresponding remote auditing equipment;
and the auditing result receiving module is used for receiving the auditing result obtained after the remote auditing equipment audits the loan person information and the related person information and the face identification images of the loan person and the related person, and determining whether the audit of the personnel is passed or not based on the auditing result.
The embodiment of the invention also provides a preliminary examination device for the outgoing personal loan, which is used for shortening the handling time of the preliminary examination of the outgoing personal loan service and reducing the queuing waiting time of customers, and comprises:
the information receiving module is used for receiving the information of the borrowers and the information of the related persons which are input and dynamically distributed by the mobile terminal and acquiring face recognition images of the borrowers and the related persons;
the auditing module is used for auditing the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to obtain an auditing result;
and the audit result sending module is used for returning the audit result to the mobile terminal.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the initial examination method of the outgoing personal loan.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned preliminary review method for an outgoing personal loan is stored in the computer-readable storage medium.
In the embodiment of the invention, a mobile terminal inputs information of a borrower and information of a related person to obtain a face recognition image of the borrower and the related person; the mobile terminal dynamically distributes the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment; the remote auditing equipment audits the information of the loan persons and the information of the related persons as well as the face recognition images of the loan persons and the related persons to obtain an auditing result, and returns the auditing result to the mobile terminal; and the mobile terminal determines whether the personnel audit is passed or not based on the audit result. Compared with the prior art, the invention can utilize remote auditing means, improve the competitiveness of personal loan business for personal outing, greatly shorten the handling time of the initial examination of the personal loan business for outing and reduce the queuing waiting time of clients.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts. In the drawings:
FIG. 1 is a flow chart of a preliminary review method (system perspective) for an outbound personal loan in an embodiment of the invention;
FIG. 2 is a flowchart of a preliminary review method (mobile terminal perspective) for outbound personal loans in an embodiment of the present invention;
FIG. 3 is a flowchart of a preliminary review method for an outbound personal loan (from a remote audit facility) in an embodiment of the invention; .
FIG. 4 is a block diagram of a pre-approval apparatus for outgoing personal loans (mobile terminal perspective) according to an embodiment of the present invention;
fig. 5 is a block diagram of a primary review device for an outgoing personal loan (from the perspective of a remote audit device) in an embodiment of the invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention more apparent, the embodiments of the present invention are further described in detail below with reference to the accompanying drawings. The exemplary embodiments and descriptions of the present invention are provided to explain the present invention, but not to limit the present invention.
Fig. 1 is a flow chart (system perspective) of a preliminary review method for an outgoing personal loan, as shown in fig. 1, the method includes:
step 101: the mobile terminal inputs the information of the borrower and the information of the related person to obtain a face recognition image of the borrower and the related person;
step 102: the mobile terminal dynamically distributes the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment;
step 103: the remote auditing equipment audits the information of the loan persons and the information of the related persons as well as the face recognition images of the loan persons and the related persons to obtain an auditing result, and returns the auditing result to the mobile terminal;
step 104: and the mobile terminal determines whether the personnel audit is passed or not based on the audit result.
The mobile terminal can input a plurality of loan person information and related person information at one time, then the plurality of loan person information and related person information are dynamically distributed, and each loan person information and related person information are distributed to corresponding remote auditing equipment (located at a remote auditing agency) for auditing, namely, an authorized teller of the remote auditing agency audits the information.
And each borrower information and the related person information can also be distributed to different remote auditing equipment for auditing.
In step 101, the loan person and the related person may be identified by infrared living body identification, or other information that may identify the person, such as a fingerprint, may be obtained.
For the clients with questions, comprehensive judgment can be carried out by using remote service auditing experts, and comprehensive examination and management can be carried out by contacting the site.
In the embodiment of the present invention, the step 103 of remotely auditing the information of the borrower and the information of the related person, and the face recognition images of the borrower and the related person by the remote auditing device, to obtain the auditing result, includes:
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment acquires the related public security information of the borrowers and the related persons from a public security organ system;
and obtaining an auditing result based on the related public security information of the borrower and the related persons.
In the embodiment of the present invention, the step 103 of the remote auditing device auditing the borrower information, the related person information, and the face recognition image of the borrower to obtain the auditing result includes:
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment obtains the risk level information of the borrowers and the related persons from the background server;
and obtaining an auditing result based on the risk grade information.
In the embodiment of the present invention, the step 103 of remotely auditing the information of the borrower and the information of the related person, and the face recognition images of the borrower and the related person by the remote auditing device, to obtain the auditing result, includes:
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment acquires the related public security information of the borrowers and the related persons from a public security organ system, and acquires the risk level information of the borrowers and the related persons from a background server;
and obtaining an auditing result based on the related public security information and risk level information of the borrower and the related persons.
In the embodiment of the present invention, the step 103 of remotely auditing the information of the borrower and the information of the related person, and the face recognition images of the borrower and the related person by the remote auditing device, to obtain the auditing result, includes:
the remote auditing equipment obtains remote auditing personnel opinions, and the remote auditing personnel opinions are subjected to preliminary auditing by the remote auditing personnel based on the information of the borrowers and the information of the related persons and the face recognition images of the borrowers and the related persons;
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment acquires the related public security information of the borrowers and the related persons from a public security organ system, and acquires the risk level information of the borrowers and the related persons from a background server;
and obtaining an auditing result based on the remote auditor opinion, the information of the relevant public security of the borrower and the relevant person and the risk level information.
For example, the on-site photos and the identification photos of the loan person and the relationship person are collected through the on-site equipment, and the authenticity of the client is verified by utilizing the face comparison technology of the biological recognition platform. The method comprises the steps of inquiring comprehensive information of a client through a bank core system, a public security bureau system, an intranet checking system, an anti-money laundering system and the like by utilizing certificate information acquired on site and loan information filled by the client, comparing the information, sending core system information, core system state, face recognition results, public security bureau system photos, public security bureau information state, intranet checking information, intranet checking state, anti-money laundering grades and the like of the borrower and related persons to a remote centralized authorization center (namely remote auditing equipment) respectively according to the borrower and the related persons, and carrying out random auditing.
The remote centralized authorization center comprehensively judges whether the borrower/the related person meets the conditions or not according to the received face comparison result of the borrower/the related person, the bank core information, the public security bureau information, the intranet check information, the anti-money laundering grade and the loan information, and if the judgment is difficult, a remote centralized authorization expert can be connected to carry out high-grade judgment and return the judgment to the site. Only if the remote audit of the borrower and the related persons is completely passed, the on-site auditor can comprehensively judge whether the audit is passed or not according to the remote judgment opinions and the client information. Otherwise, the audit is rejected.
If one of the borrower and the related person is as follows, the loan condition is not satisfied: face recognition is non-self, anti-money laundering is hit, certificate expiration is expired, network verification is inconsistent, a core system is inconsistent, public security bureau information is inconsistent, public security bureau state information is inconsistent, and the like.
The embodiment of the invention also provides a preliminary examination system for the outgoing personal loan, which is described in the following embodiment. Because the principle of solving the problems of the system is similar to the primary examination method of the out-of-home personal loan, the implementation of the system can be referred to the implementation of the primary examination method of the out-of-home personal loan, and repeated details are not repeated.
A preliminary examination system for an outgoing personal loan comprises a mobile terminal and remote auditing equipment, and is used for realizing the preliminary examination method for the outgoing personal loan.
Fig. 2 is a flowchart of a preliminary review method (from the perspective of a mobile terminal) for an outgoing personal loan, as shown in fig. 2, the method includes:
step 201: inputting information of a borrower and information of a related person, and acquiring a face recognition image of the borrower and the related person;
step 202: dynamically distributing the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment;
step 203: and receiving an auditing result obtained after the remote auditing equipment audits the information of the borrower and the information of the related person and the face recognition images of the borrower and the related person, and determining whether the audit of the personnel is passed or not based on the auditing result.
The embodiment of the invention also provides a primary examining device for the outgoing personal loan, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the primary examination method of the out-of-home personal loan, the implementation of the device can be referred to the implementation of the primary examination method of the out-of-home personal loan, and repeated parts are not described again.
Fig. 4 is a block diagram of a pre-trial device for an outgoing personal loan (from the perspective of a mobile terminal) according to an embodiment of the present invention, and as shown in fig. 4, the pre-trial device for an outgoing personal loan includes:
the information input module 402 is used for inputting information of the borrower and information of related persons;
a face recognition image obtaining module 404, configured to obtain face recognition images of the borrower and the related persons;
the information sending module 406 is used for dynamically distributing the information of the borrowers and the information of the related persons as well as the face identification images of the borrowers and the related persons to corresponding remote auditing equipment;
and the audit result receiving module 408 is configured to receive an audit result obtained after the remote audit device audits the loan person information and the related person information, and the loan person and the face identification image of the related person, and determine whether the audit of the person is passed based on the audit result.
Fig. 3 is a flowchart of a preliminary review method (from the perspective of a remote audit device) for an outgoing personal loan, which is shown in fig. 3 and includes:
step 301: receiving loan person information and related person information which are input and sent by a mobile terminal, and acquiring face recognition images of loan persons and related persons;
step 302: and auditing the information of the borrowers and the information of the related persons and the face identification images of the borrowers and the related persons to obtain an auditing result, and returning the auditing result to the mobile terminal.
In the embodiment of the present invention, the step 302 is to audit the borrower information and the related person information, and the face recognition images of the borrower and the related person, and obtain an audit result, which includes:
acquiring the related public security information of the borrower and the related person from a public security organ system based on the information of the borrower and the related person and the face identification image of the borrower and the related person;
and obtaining an auditing result based on the related public security information of the borrower and the related persons.
In the embodiment of the present invention, the step 302 is to audit the borrower information, the related information, and the face recognition image of the borrower, and obtain an audit result, which includes:
obtaining risk level information of the borrowers and the related persons from a background server based on the information of the borrowers and the related persons and face identification images of the borrowers and the related persons;
and obtaining an auditing result based on the risk grade information.
In the embodiment of the present invention, the step 302 is to audit the borrower information and the related person information, and the face recognition images of the borrower and the related person, and obtain an audit result, which includes:
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the related public security information and risk level information of the borrower and the related persons.
In the embodiment of the present invention, the step 302 is to audit the borrower information and the related person information, and the face recognition images of the borrower and the related person, and obtain an audit result, which includes:
obtaining remote auditor opinions, wherein the remote auditor opinions are used for performing preliminary audit on the basis of the information of the borrowers and the information of the related persons and the face recognition images of the borrowers and the related persons by the remote auditor;
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the remote auditor opinion, the information of the relevant public security of the borrower and the relevant person and the risk level information.
The embodiment of the invention also provides a primary examining device for the outgoing personal loan, which is described in the following embodiment. Because the principle of solving the problems of the device is similar to the primary examination method of the out-of-home personal loan, the implementation of the device can be referred to the implementation of the primary examination method of the out-of-home personal loan, and repeated parts are not described again.
Fig. 5 is a block diagram of a preliminary review device for an outgoing personal loan according to an embodiment of the present invention (from the perspective of a remote audit facility), and as shown in fig. 5, the preliminary review device for an outgoing personal loan includes:
the information receiving module 502 is used for receiving the information of the borrowers and the information of the related persons which are input and dynamically distributed by the mobile terminal and acquiring face identification images of the borrowers and the related persons;
the auditing module 504 is used for auditing the information of the borrowers and the information of the related persons as well as the face identification images of the borrowers and the related persons to obtain an auditing result;
and an audit result sending module 506, configured to return the audit result to the mobile terminal.
In an embodiment of the present invention, the auditing module is specifically configured to:
acquiring the related public security information of the borrower and the related person from a public security organ system based on the information of the borrower and the related person and the face identification image of the borrower and the related person;
and obtaining an auditing result based on the related public security information of the borrower and the related persons.
In an embodiment of the present invention, the auditing module is specifically configured to:
obtaining risk level information of the borrowers and the related persons from a background server based on the information of the borrowers and the related persons and face identification images of the borrowers and the related persons;
and obtaining an auditing result based on the risk grade information.
In an embodiment of the present invention, the auditing module is specifically configured to:
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the related public security information and risk level information of the borrower and the related persons.
In an embodiment of the present invention, the auditing module is specifically configured to:
obtaining remote auditor opinions, wherein the remote auditor opinions are used for performing preliminary audit on the basis of the information of the borrowers and the information of the related persons and the face recognition images of the borrowers and the related persons by the remote auditor;
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the remote auditor opinion, the information of the relevant public security of the borrower and the relevant person and the risk level information.
The embodiment of the invention also provides computer equipment which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor executes the computer program to realize the initial examination method of the outgoing personal loan.
An embodiment of the present invention further provides a computer-readable storage medium, where a computer program for executing the above-mentioned preliminary review method for an outgoing personal loan is stored in the computer-readable storage medium.
In the embodiment of the invention, a mobile terminal inputs information of a borrower and information of a related person to obtain a face recognition image of the borrower and the related person; the mobile terminal dynamically distributes the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment; the remote auditing equipment audits the information of the loan persons and the information of the related persons as well as the face recognition images of the loan persons and the related persons to obtain an auditing result, and returns the auditing result to the mobile terminal; and the mobile terminal determines whether the personnel audit is passed or not based on the audit result. Compared with the prior art, the invention can utilize remote auditing means, improve the competitiveness of personal loan business for personal outing, greatly shorten the handling time of the initial examination of the personal loan business for outing and reduce the queuing waiting time of clients.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The above-mentioned embodiments are intended to illustrate the objects, technical solutions and advantages of the present invention in further detail, and it should be understood that the above-mentioned embodiments are only exemplary embodiments of the present invention, and are not intended to limit the scope of the present invention, and any modifications, equivalent substitutions, improvements and the like made within the spirit and principle of the present invention should be included in the scope of the present invention.
Claims (20)
1. A method for initially reviewing an outgoing personal loan, comprising:
the mobile terminal inputs the information of the borrower and the information of the related person to obtain a face recognition image of the borrower and the related person;
the mobile terminal dynamically distributes the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment;
the remote auditing equipment audits the information of the loan persons and the information of the related persons as well as the face recognition images of the loan persons and the related persons to obtain an auditing result, and returns the auditing result to the mobile terminal;
and the mobile terminal determines whether the personnel audit is passed or not based on the audit result.
2. The method of claim 1, wherein the remote auditing device audits the lender information and the related information, and the face recognition images of the lender and the related to obtain an audit result, comprising:
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment acquires the related public security information of the borrowers and the related persons from a public security organ system;
and obtaining an auditing result based on the related public security information of the borrower and the related persons.
3. The method of claim 1, wherein the remote auditing device audits the borrower information, the related information, and the face recognition image of the borrower to obtain an audit result, comprising:
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment obtains the risk level information of the borrowers and the related persons from the background server;
and obtaining an auditing result based on the risk grade information.
4. The method of claim 1, wherein the remote auditing device audits the lender information and the related information, and the face recognition images of the lender and the related to obtain an audit result, comprising:
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment acquires the related public security information of the borrowers and the related persons from a public security organ system, and acquires the risk level information of the borrowers and the related persons from a background server;
and obtaining an auditing result based on the related public security information and risk level information of the borrower and the related persons.
5. The method of claim 1, wherein the remote auditing device audits the lender information and the related information, and the face recognition images of the lender and the related to obtain an audit result, comprising:
the remote auditing equipment obtains remote auditing personnel opinions, and the remote auditing personnel opinions are subjected to preliminary auditing by the remote auditing personnel based on the information of the borrowers and the information of the related persons and the face recognition images of the borrowers and the related persons;
based on the information of the borrowers and the information of the related persons, and the face identification images of the borrowers and the related persons, the remote auditing equipment acquires the related public security information of the borrowers and the related persons from a public security organ system, and acquires the risk level information of the borrowers and the related persons from a background server;
and obtaining an auditing result based on the remote auditor opinion, the information of the relevant public security of the borrower and the relevant person and the risk level information.
6. A method for initially reviewing an outgoing personal loan, comprising:
inputting information of a borrower and information of a related person, and acquiring a face recognition image of the borrower and the related person;
dynamically distributing the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to corresponding remote auditing equipment;
receiving an auditing result obtained after the remote auditing equipment audits the information of the borrowers and the information of the related persons and the face identification images of the borrowers and the related persons;
and determining whether the personnel audit is passed or not based on the audit result.
7. A method for initially reviewing an outgoing personal loan, comprising:
receiving loan person information and related person information which are input and dynamically distributed by a mobile terminal, and acquiring face recognition images of loan persons and related persons;
and auditing the information of the borrowers and the information of the related persons and the face identification images of the borrowers and the related persons to obtain an auditing result, and returning the auditing result to the mobile terminal.
8. The method of claim 7, wherein the auditing of the borrower information and the related information, the face recognition images of the borrower and the related, and the obtaining of the audit result comprises:
acquiring the related public security information of the borrower and the related person from a public security organ system based on the information of the borrower and the related person and the face identification image of the borrower and the related person;
and obtaining an auditing result based on the related public security information of the borrower and the related persons.
9. The method of claim 7, wherein the auditing of the borrower information, the associated person information, and the face recognition image of the borrower to obtain an audit result comprises:
obtaining risk level information of the borrowers and the related persons from a background server based on the information of the borrowers and the related persons and face identification images of the borrowers and the related persons;
and obtaining an auditing result based on the risk grade information.
10. The method of claim 7, wherein the auditing of the borrower information and the related information, the face recognition images of the borrower and the related, and the obtaining of the audit result comprises:
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the related public security information and risk level information of the borrower and the related persons.
11. The method of claim 7, wherein the auditing of the borrower information and the related information, the face recognition images of the borrower and the related, and the obtaining of the audit result comprises:
obtaining remote auditor opinions, wherein the remote auditor opinions are used for performing preliminary audit on the basis of the information of the borrowers and the information of the related persons and the face recognition images of the borrowers and the related persons by the remote auditor;
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the remote auditor opinion, the information of the relevant public security of the borrower and the relevant person and the risk level information.
12. A system for pretending of outbound personal loans, comprising: a mobile terminal and a remote auditing device for implementing the method of initial review of an outbound personal loan according to any of claims 1 to 5.
13. A device for pretending of outbound personal loans, comprising:
the information input module is used for inputting the information of the borrower and the information of the related person;
the face recognition image acquisition module is used for acquiring face recognition images of the loan persons and the related persons;
the information dynamic distribution module is used for dynamically distributing the information of the borrowers and the information of the related persons as well as the face identification images of the borrowers and the related persons to corresponding remote auditing equipment;
and the auditing result receiving module is used for receiving the auditing result obtained after the remote auditing equipment audits the loan person information and the related person information and the face identification images of the loan person and the related person, and determining whether the audit of the personnel is passed or not based on the auditing result.
14. A device for pretending of outbound personal loans, comprising:
the information receiving module is used for receiving the information of the borrowers and the information of the related persons which are input and dynamically distributed by the mobile terminal and acquiring face recognition images of the borrowers and the related persons;
the auditing module is used for auditing the information of the borrowers and the information of the related persons as well as the face recognition images of the borrowers and the related persons to obtain an auditing result;
and the audit result sending module is used for returning the audit result to the mobile terminal.
15. The apparatus for initial review of outbound personal loans as claimed in claim 14, wherein the audit module is specifically configured to:
acquiring the related public security information of the borrower and the related person from a public security organ system based on the information of the borrower and the related person and the face identification image of the borrower and the related person;
and obtaining an auditing result based on the related public security information of the borrower and the related persons.
16. The apparatus for initial review of outbound personal loans as claimed in claim 14, wherein the audit module is specifically configured to:
obtaining risk level information of the borrowers and the related persons from a background server based on the information of the borrowers and the related persons and face identification images of the borrowers and the related persons;
and obtaining an auditing result based on the risk grade information.
17. The apparatus for initial review of outbound personal loans as claimed in claim 14, wherein the audit module is specifically configured to:
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the related public security information and risk level information of the borrower and the related persons.
18. The apparatus for initial review of outbound personal loans as claimed in claim 14, wherein the audit module is specifically configured to:
obtaining remote auditor opinions, wherein the remote auditor opinions are used for performing preliminary audit on the basis of the information of the borrowers and the information of the related persons and the face recognition images of the borrowers and the related persons by the remote auditor;
acquiring related public security information of the borrower and the related persons from a public security organ system based on the information of the borrower and the related persons and the face recognition images of the borrower and the related persons, and acquiring risk grade information of the borrower and the related persons from a background server;
and obtaining an auditing result based on the remote auditor opinion, the information of the relevant public security of the borrower and the relevant person and the risk level information.
19. A computer apparatus comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the computer program implements a first review method for an outbound personal loan as claimed in any one of claims 1 to 11.
20. A computer-readable storage medium storing a computer program for executing a method for conducting a first review of an outbound personal loan as claimed in any one of claims 1 to 11.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
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| CN202010954024.6A CN112102066A (en) | 2020-09-11 | 2020-09-11 | Initial examination method, device and system for outgoing personal loan |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202010954024.6A CN112102066A (en) | 2020-09-11 | 2020-09-11 | Initial examination method, device and system for outgoing personal loan |
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| CN112102066A true CN112102066A (en) | 2020-12-18 |
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| CN202010954024.6A Pending CN112102066A (en) | 2020-09-11 | 2020-09-11 | Initial examination method, device and system for outgoing personal loan |
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| CN106600399A (en) * | 2016-12-05 | 2017-04-26 | 深圳前海微众银行股份有限公司 | Loan approval method and system |
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