CN112926936A - Bank business auditing method and device - Google Patents

Bank business auditing method and device Download PDF

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Publication number
CN112926936A
CN112926936A CN202110199920.0A CN202110199920A CN112926936A CN 112926936 A CN112926936 A CN 112926936A CN 202110199920 A CN202110199920 A CN 202110199920A CN 112926936 A CN112926936 A CN 112926936A
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China
Prior art keywords
user
data
auditing
audio data
service
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CN202110199920.0A
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Chinese (zh)
Inventor
赵一民
陈永录
张飞燕
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Industrial and Commercial Bank of China Ltd ICBC
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Industrial and Commercial Bank of China Ltd ICBC
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Priority to CN202110199920.0A priority Critical patent/CN112926936A/en
Publication of CN112926936A publication Critical patent/CN112926936A/en
Pending legal-status Critical Current

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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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • G06Q10/103—Workflow collaboration or project management
    • 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V10/00—Arrangements for image or video recognition or understanding
    • G06V10/20—Image preprocessing
    • G06V10/22—Image preprocessing by selection of a specific region containing or referencing a pattern; Locating or processing of specific regions to guide the detection or recognition
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/16—Human faces, e.g. facial parts, sketches or expressions
    • G06V40/161—Detection; Localisation; Normalisation
    • G06V40/166—Detection; Localisation; Normalisation using acquisition arrangements
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/40—Spoof detection, e.g. liveness detection
    • G06V40/45—Detection of the body part being alive
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L15/00—Speech recognition
    • G10L15/26—Speech to text systems
    • G—PHYSICS
    • G10—MUSICAL INSTRUMENTS; ACOUSTICS
    • G10L—SPEECH ANALYSIS OR SYNTHESIS; SPEECH RECOGNITION; SPEECH OR VOICE PROCESSING; SPEECH OR AUDIO CODING OR DECODING
    • G10L25/00—Speech or voice analysis techniques not restricted to a single one of groups G10L15/00 - G10L21/00
    • G10L25/48—Speech or voice analysis techniques not restricted to a single one of groups G10L15/00 - G10L21/00 specially adapted for particular use
    • G10L25/51—Speech or voice analysis techniques not restricted to a single one of groups G10L15/00 - G10L21/00 specially adapted for particular use for comparison or discrimination

Abstract

The invention provides a banking business auditing method and device, and belongs to the technical field of artificial intelligence. The banking business auditing method comprises the following steps: receiving service data from a client, and creating a corresponding digital person according to the service data; sending the digital person to a client so that the client acquires interactive video data of the user and the digital person; extracting interactive audio data in the interactive video data from the client; extracting user audio data from the interactive audio data according to preset digital human audio parameters; and auditing the user audio data to obtain a service auditing result. The invention can improve the service auditing efficiency and the user experience.

Description

Bank business auditing method and device
Technical Field
The invention relates to the technical field of artificial intelligence, in particular to a banking business auditing method and device.
Background
With the development of information technology, the internet becomes an important channel for people to communicate and process daily affairs, so that it is increasingly important to serve users through the network in the financial field. With the emergence of intelligent terminal equipment and the high-speed development of mobile internet, more and more banking businesses start to change to an electronic and self-service mode, and convenience is brought to users. In addition, with the arrival of the 5G era, the traffic is cheaper and cheaper, live broadcast and videos are more and more appeared in the work and life of people, and audio and video are widely applied to remote banks in the same industry.
The prior online bank customer service system can not audit all services, and part of the services still need to be handled by a user personally going to a bank, so that the service auditing efficiency and the user experience are reduced.
Disclosure of Invention
The embodiment of the invention mainly aims to provide a banking business auditing method and device so as to improve business auditing efficiency and user experience.
In order to achieve the above object, an embodiment of the present invention provides a banking business auditing method, including:
receiving service data from a client, and creating a corresponding digital person according to the service data;
sending the digital person to a client so that the client acquires interactive video data of the user and the digital person;
extracting interactive audio data in the interactive video data from the client;
extracting user audio data from the interactive audio data according to preset digital human audio parameters;
and auditing the user audio data to obtain a service auditing result.
The embodiment of the invention also provides a banking business auditing device, which comprises:
the digital person creating module is used for receiving the service data from the client and creating a corresponding digital person according to the service data;
the sending module is used for sending the digital person to the client so as to enable the client to collect interactive video data of the user and the digital person;
the interactive audio extraction module is used for extracting interactive audio data in the interactive video data from the client;
the user audio extraction module is used for extracting user audio data from the interactive audio data according to preset digital human audio parameters;
and the auditing module is used for auditing the user audio data to obtain a service auditing result.
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 runs on the processor, wherein the processor realizes the steps of the banking business auditing method when executing the computer program.
The embodiment of the invention also provides a computer readable storage medium, on which a computer program is stored, and when the computer program is executed by a processor, the steps of the banking business auditing method are realized.
According to the banking business auditing method and device, the corresponding digital person is created according to the business data, then the user audio data are extracted from the interactive video data of the user and the digital person according to the digital person audio parameters, and finally the user audio data are audited to obtain the business auditing result, so that the business auditing efficiency and the user experience can be improved.
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 will be briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present invention, and it is obvious for those skilled in the art that other drawings can be obtained based on these drawings without creative efforts.
FIG. 1 is a flow chart of a banking audit method according to an embodiment of the present invention;
FIG. 2 is a flowchart of S105 in an embodiment of the present invention;
FIG. 3 is a flow chart of validation in an embodiment of the present invention;
FIG. 4 is a flow chart of a personal loan transaction;
FIG. 5 is a block diagram of a banking audit device according to an embodiment of the present invention;
fig. 6 is a block diagram showing the structure of a computer device in the embodiment of the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
As will be appreciated by one skilled in the art, embodiments of the present invention may be embodied as a system, apparatus, device, method, or computer program product. Accordingly, the present disclosure may be embodied in the form of: entirely hardware, entirely software (including firmware, resident software, micro-code, etc.), or a combination of hardware and software.
In view of the fact that the prior art still needs the user to go to the bank for transaction in person, and the business auditing efficiency and the user experience are reduced, the embodiment of the invention provides the banking business auditing method, which can improve the business auditing efficiency and the user experience.
The invention breaks through the traditional online banking customer service system, can be matched with an intelligent terminal to add an audio and video channel into the online banking customer service system, and endows various business auditing and handling functions to the audio and video channel, thereby realizing online auditing of the business based on the audio and video, and completing the business with high risk and needing the user to handle the business by facing a cabinet on line.
Fig. 1 is a flowchart of a banking business auditing method according to an embodiment of the present invention. As shown in fig. 1, the banking business auditing method includes:
s101: and receiving the service data from the client, and creating a corresponding digital person according to the service data.
In one embodiment, creating the corresponding digital person according to the service data includes: and verifying the service data according to the verification data corresponding to the service data, and creating a digital person corresponding to the service data according to the verification result.
Fig. 3 is a verification flow chart in an embodiment of the present invention. As shown in fig. 3, the verification includes certificate information verification, face recognition verification, and living body verification. The service data comprises certificate numbers, certificate names, certificate card numbers, user faces and living body data of the users, which are obtained by identification; the verification data comprises certificate numbers, certificate names, certificate card numbers and human faces in certificate photos in the bank system.
The certificate information verification comprises the following steps: identifying the certificate number, the certificate name, the certificate card number and the like in the certificate picture of the user through ocr (Optical Character Recognition), and respectively judging whether the certificate information is consistent with the certificate information in the bank system; if the certificate information is consistent, the certificate information passes verification.
The face recognition verification comprises the following steps: and acquiring the face of the user, judging whether the current operation user is consistent with the person on the certificate photo according to the face of the user and the face of the certificate photo in the bank system, ensuring that the high-risk business is handled by the user, and if so, passing the face identification verification.
The in-vivo verification comprises the following steps: and judging whether the current user is a real living body according to the living body data of the user. And when the current user is a real living body, the living body verification is passed.
And when the certificate information verification, the face recognition verification and the living body verification pass, establishing a digital person corresponding to the service data, namely initializing the digital person of the corresponding type according to the service type to be handled.
S102: and sending the digital person to the client so that the client collects the interactive video data of the user and the digital person.
In specific implementation, the client calls the SDK to initialize by taking the collected service data as a parameter. After the SDK is initialized successfully, the client requests the SDK to log in the queue, and after the queue is logged in successfully, the client generates uuid and uploads the uuid as a room number to the server; the server creates a room according to the room number, calls a digital human interface, adds the virtual digital human into the room, and sends the room and the digital human to the client; after the user enters the room to be used, the client can start to collect the interactive video data of the user and the digital person, the digital person communicates with the user according to the preset dialect, and the auditing information required by the bank transaction business is collected.
S103: interactive audio data in the interactive video data from the client is extracted.
S104: and extracting user audio data from the interactive audio data according to preset digital human audio parameters.
In an embodiment, before performing S104, the method further includes: segmenting interactive video data, and extracting key frames in each segment; and respectively comparing the user face in each key frame with the user face in the service data.
In specific implementation, the video stream can be equally segmented and extracted, and the user face in the extracted key frame is respectively compared with the user face in the service data in terms of features.
At this time, S104 includes: and extracting user audio data from the interactive audio data according to the comparison result and the preset digital human audio parameters.
When the method is specifically implemented, when the faces of the users in all the key frames can be compared through the face features, the audio data of the users are extracted from the interactive audio data according to the preset digital human audio parameters, and the safety of high-risk services is guaranteed. For some more complex services, the data size of the interactive video data is large. Therefore, interactive audio data in the interactive video data are extracted, and then the roles are classified according to different tone frequencies (audio parameters) in the interactive audio data, so that the audio data of the user are extracted, and the audio data are greatly reduced.
S105: and auditing the user audio data to obtain a service auditing result.
Fig. 2 is a flowchart of S105 in the embodiment of the present invention. As shown in fig. 2, S105 includes:
s201: the user audio data is converted into user text data.
In particular implementations, an asr (speech recognition) interface may be invoked to convert user audio data to user text data.
S202: and auditing the user text data through a preset wind control model to obtain a service auditing result.
In specific implementation, the text data may be transmitted to the wind control model, and processed by nlp (Natural Language Processing) to obtain a service audit result.
The executing subject of the banking business auditing method shown in fig. 1 may be a server. As can be seen from the process shown in fig. 1, the banking business auditing method and apparatus according to the embodiment of the present invention create a corresponding digital person according to business data, extract user audio data from interactive video data of a user and the digital person according to digital person audio parameters, and finally audit the user audio data to obtain a business auditing result, which can improve business auditing efficiency and user experience.
The present invention will be described in detail with reference to examples.
Fig. 4 is a flow chart of the personal loan transaction. As shown in fig. 4, the flow of the personal loan transaction includes loan application, loan investigation, review, contract signing, warranty implementation, approval of loan and archive filing. By the invention, the user can apply online loan and survey the loan, and the user can go to the bank to sign a contract to complete the loan after the bank background operator completes the composite examination.
The specific process of the embodiment of the invention is as follows:
1. the client adds a video application personal loan function, receives and uploads a user certificate picture, a user face and living body data of the user to the server. For example, the client may prompt the user to make blinks, turn around, etc. to acquire the live data.
2. The server identifies the certificate number, the certificate name, the certificate card number and the like in the certificate picture of the user through ocr, and respectively judges whether the certificate information is consistent with the certificate information in the bank system; if the certificate information is consistent, the certificate information passes verification; judging whether the current operation user is consistent with the person on the certificate photo according to the face of the user and the face of the certificate photo in the bank system, and if so, passing the face identification verification; and judging whether the current user is a real living body according to the living body data of the user. And when the current user is a real living body, the living body verification is passed. And when the certificate information verification, the face recognition verification and the living body verification pass, the server creates a digital person corresponding to the service data.
3. The client calls the SDK to initialize by taking the collected service data as a parameter. After the SDK is initialized successfully, the client requests the SDK to log in the queue, and after the queue is logged in successfully, the client generates uuid and uploads the uuid as a room number to the server.
4. The server creates a room according to the room number, calls the digital human interface, adds the virtual digital human into the room, and sends the room and the digital human to the client.
5. The user enters the room to carry out video communication, and the virtual digital person guides the user to finish loan investigation according to preset dialogues.
6. And the user finishes the video conversation, quits the room, and the client sends the room number to the server and attaches the interactive video data of the room as an audit reservation file for later retrieval.
7. The server extracts interactive audio data in the interactive video data, segments the interactive video data, extracts key frames in each segment, compares the user face in each key frame with the user face in the service data respectively, and extracts user audio data from the interactive audio data according to the comparison result and preset digital human audio parameters.
8. The server converts the user audio data into user text data, audits the user text data through a preset wind control model to obtain a service audit result, and inputs the service audit result into a database for business personnel to recheck.
In summary, the banking business auditing method and device according to the embodiment of the present invention create a corresponding digital person according to business data, extract user audio data from interactive video data of a user and the digital person according to digital person audio parameters, and finally audit the user audio data to obtain a business auditing result, so that business auditing efficiency and user experience can be improved. The invention can effectively help the user to solve the problem that the user can not reach the network point to handle the service through the construction of the video scene, and improves the satisfaction degree of the user.
Based on the same inventive concept, the embodiment of the invention also provides a banking business auditing device, and as the principle of solving the problems of the device is similar to that of a banking business auditing method, the implementation of the device can refer to the implementation of the method, and repeated parts are not described again.
Fig. 5 is a block diagram of a banking audit device in an embodiment of the present invention. As shown in fig. 5, the banking audit device includes:
the digital person creating module is used for receiving the service data from the client and creating a corresponding digital person according to the service data;
the sending module is used for sending the digital person to the client so as to enable the client to collect interactive video data of the user and the digital person;
the interactive audio extraction module is used for extracting interactive audio data in the interactive video data from the client;
the user audio extraction module is used for extracting user audio data from the interactive audio data according to preset digital human audio parameters;
and the auditing module is used for auditing the user audio data to obtain a service auditing result.
In one embodiment, the audit module comprises:
a text conversion unit for converting the user audio data into user text data;
and the text auditing unit is used for auditing the text data of the user through a preset wind control model to obtain a service auditing result.
In one embodiment, the method further comprises the following steps:
the key frame extraction module is used for segmenting the interactive video data and extracting key frames in all segments;
the comparison module is used for respectively comparing the user faces in the key frames with the user faces in the service data;
the user audio extraction module is specifically configured to:
and extracting user audio data from the interactive audio data according to the comparison result and the preset digital human audio parameters.
In one embodiment, the digital person creation module is specifically configured to:
and verifying the service data according to the verification data corresponding to the service data, and creating a digital person corresponding to the service data according to the verification result.
In summary, the banking business auditing device according to the embodiment of the present invention creates a corresponding digital person according to business data, extracts user audio data from interactive video data between a user and the digital person according to digital person audio parameters, and finally audits the user audio data to obtain a business auditing result, so that business auditing efficiency and user experience can be improved.
The embodiment of the invention also provides a specific implementation mode of the computer equipment, which can realize all the steps in the banking business auditing method in the embodiment. Fig. 6 is a block diagram of a computer device in an embodiment of the present invention, and referring to fig. 6, the computer device specifically includes the following:
a processor (processor)601 and a memory (memory) 602.
The processor 601 is configured to call a computer program in the memory 602, and when the processor executes the computer program, the processor implements all the steps in the banking business auditing method in the above embodiments, for example, when the processor executes the computer program, the processor implements the following steps:
receiving service data from a client, and creating a corresponding digital person according to the service data;
sending the digital person to a client so that the client acquires interactive video data of the user and the digital person;
extracting interactive audio data in the interactive video data from the client;
extracting user audio data from the interactive audio data according to preset digital human audio parameters;
and auditing the user audio data to obtain a service auditing result.
To sum up, the computer device of the embodiment of the present invention creates a corresponding digital person according to the service data, extracts the user audio data from the interactive video data between the user and the digital person according to the digital person audio parameter, and finally performs an audit on the user audio data to obtain a service audit result, which can improve the service audit efficiency and user experience.
An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all steps in the banking business auditing method in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and when the computer program is executed by a processor, the computer program implements all steps of the banking business auditing method in the foregoing embodiment, for example, when the processor executes the computer program, the processor implements the following steps:
receiving service data from a client, and creating a corresponding digital person according to the service data;
sending the digital person to a client so that the client acquires interactive video data of a user and the digital person;
extracting interactive audio data in the interactive video data from the client;
extracting user audio data from the interactive audio data according to preset digital human audio parameters;
and auditing the user audio data to obtain a service auditing result.
To sum up, the computer-readable storage medium according to the embodiment of the present invention creates a corresponding digital person according to the service data, extracts user audio data from the interactive video data between the user and the digital person according to the digital person audio parameter, and finally performs an audit on the user audio data to obtain a service audit result, which can improve service audit efficiency and user experience.
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.
Those of skill in the art will further appreciate that the various illustrative logical blocks, units, and steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, computer software, or combinations of both. To clearly illustrate the interchangeability of hardware and software, various illustrative components, elements, and steps have been described above generally in terms of their functionality. Whether such functionality is implemented as hardware or software depends upon the particular application and design requirements of the overall system. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present embodiments.
The various illustrative logical blocks, or elements, or devices described in connection with the embodiments disclosed herein may be implemented or performed with a general purpose processor, a digital signal processor, an Application Specific Integrated Circuit (ASIC), a field programmable gate array or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. A general-purpose processor may be a microprocessor, but in the alternative, the processor may be any conventional processor, controller, microcontroller, or state machine. A processor may also be implemented as a combination of computing devices, e.g., a digital signal processor and a microprocessor, a plurality of microprocessors, one or more microprocessors in conjunction with a digital signal processor core, or any other similar configuration.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may be stored in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art. For example, a storage medium may be coupled to the processor such the processor can read information from, and write information to, the storage medium. In the alternative, the storage medium may be integral to the processor. The processor and the storage medium may reside in an ASIC, which may be located in a user terminal. In the alternative, the processor and the storage medium may reside in different components in a user terminal.
In one or more exemplary designs, the functions described above in connection with the embodiments of the invention may be implemented in hardware, software, firmware, or any combination of the three. If implemented in software, the functions may be stored on or transmitted over as one or more instructions or code on a computer-readable medium. Computer-readable media includes both computer storage media and communication media that facilitate transfer of a computer program from one place to another. Storage media may be any available media that can be accessed by a general purpose or special purpose computer. For example, such computer-readable media can include, but is not limited to, RAM, ROM, EEPROM, CD-ROM or other optical disk storage, magnetic disk storage or other magnetic storage devices, or any other medium which can be used to carry or store program code in the form of instructions or data structures and which can be read by a general-purpose or special-purpose computer, or a general-purpose or special-purpose processor. Additionally, any connection is properly termed a computer-readable medium, and, thus, is included if the software is transmitted from a website, server, or other remote source via a coaxial cable, fiber optic cable, twisted pair, Digital Subscriber Line (DSL), or wirelessly, e.g., infrared, radio, and microwave. Such discs (disk) and disks (disc) include compact disks, laser disks, optical disks, DVDs, floppy disks and blu-ray disks where disks usually reproduce data magnetically, while disks usually reproduce data optically with lasers. Combinations of the above may also be included in the computer-readable medium.

Claims (10)

1. A banking business auditing method is characterized by comprising the following steps:
receiving service data from a client, and creating a corresponding digital person according to the service data;
sending the digital person to the client so that the client collects interactive video data of a user and the digital person;
extracting interactive audio data in the interactive video data from the client;
extracting user audio data from the interactive audio data according to preset digital human audio parameters;
and auditing the user audio data to obtain a service auditing result.
2. The banking business auditing method of claim 1, where auditing the user audio data to obtain a business audit result comprises:
converting the user audio data into user text data;
and auditing the user text data through a preset wind control model to obtain a service auditing result.
3. The banking business auditing method according to claim 1, before extracting user audio data from the interactive audio data according to preset digital human audio parameters, further comprising:
segmenting the interactive video data, and extracting key frames in each segment;
respectively comparing the user face in each key frame with the user face in the service data;
extracting user audio data from the interactive audio data according to preset digital human audio parameters comprises:
and extracting user audio data from the interactive audio data according to the comparison result and preset digital human audio parameters.
4. The banking business auditing method of claim 1 where creating a corresponding digital person from the business data comprises:
and verifying the service data according to verification data corresponding to the service data, and creating a digital person corresponding to the service data according to a verification result.
5. A banking transaction auditing apparatus, comprising:
the digital person creating module is used for receiving the service data from the client and creating a corresponding digital person according to the service data;
the sending module is used for sending the digital person to the client so as to enable the client to collect interactive video data of a user and the digital person;
the interactive audio extraction module is used for extracting interactive audio data in the interactive video data from the client;
the user audio extraction module is used for extracting user audio data from the interactive audio data according to preset digital human audio parameters;
and the auditing module is used for auditing the user audio data to obtain a service auditing result.
6. The banking transaction auditing device of claim 5, where the auditing module includes:
a text conversion unit for converting the user audio data into user text data;
and the text auditing unit is used for auditing the user text data through a preset wind control model to obtain a service auditing result.
7. The banking audit device according to claim 5, further comprising:
the key frame extraction module is used for segmenting the interactive video data and extracting key frames in all segments;
the comparison module is used for respectively comparing the user faces in the key frames with the user faces in the service data;
the user audio extraction module is specifically configured to:
and extracting user audio data from the interactive audio data according to the comparison result and preset digital human audio parameters.
8. The banking business auditing device of claim 5, where the digital person creation module is specifically configured to:
and verifying the service data according to verification data corresponding to the service data, and creating a digital person corresponding to the service data according to a verification result.
9. A computer device comprising a memory, a processor and a computer program stored on the memory and running on the processor, wherein the processor when executing the computer program implements the steps of the banking transaction auditing method of any one of claims 1 to 4.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the banking transaction auditing method according to any one of claims 1 to 4.
CN202110199920.0A 2021-02-23 2021-02-23 Bank business auditing method and device Pending CN112926936A (en)

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20230196830A1 (en) * 2021-12-17 2023-06-22 Lenovo (Singapore) Pte. Ltd. Verification of liveness and person id to certify digital image

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20230196830A1 (en) * 2021-12-17 2023-06-22 Lenovo (Singapore) Pte. Ltd. Verification of liveness and person id to certify digital image

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