CN116402602A - Management method, device and system of multimedia loan transaction platform - Google Patents
Management method, device and system of multimedia loan transaction platform Download PDFInfo
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Abstract
The invention discloses a management method, a device and a system of a multimedia loan transaction platform, which relate to the technical field of loan transaction, and solve the technical problems that the original loan transaction mode is not high in safety and is easy to cause the normal lowering condition of a loan due to information theft.
Description
Technical Field
The invention belongs to the technical field of loan transaction, and particularly relates to a management method, device and system of a multimedia loan transaction platform.
Background
In the financial industry, during the customer loan transaction, there may be a long period of loan, or multiple transactions may be triggered during the period of loan, such as adjustment of interest rate, partial repayment, interest reduction, fine generation during overdue, extension of loan period, coupon deduction, etc., resulting in the customer producing questions about interest, penalty, cost, principal etc. during each period, the data of each stage of the transaction process may be obtained only by deducing calculation or consulting customer service personnel of the financial institution by themselves, which is not beneficial to customer experience on one hand, and errors may also be deduced.
The patent application with the patent publication number of CN114066448A provides a loan transaction processing method, a device and electronic equipment, wherein the method is applied to node equipment corresponding to a digital banking party in a blockchain network, and deposit certificates of the loan party and borrowing information of the borrower are stored in the blockchain network; firstly, receiving a confirmation instruction of a borrower lending in a loan direction; the borrower's deposit certificate is transferred to the borrower so that the borrower redeems the property through the deposit certificate to the digital banking party. In the method, the borrower can inquire the borrowing information of all borrowers on the blockchain and send a borrowing confirmation instruction aiming at the borrowing information meeting the requirement, so that when the digital banking party receives the confirmation instruction, the borrowing consensus among the borrower, the digital banking party and the borrower is achieved, the borrowing behavior is completed rapidly, the borrowing efficiency and the borrowing success rate are improved, in addition, the method has no deposit property and can record the borrowing behavior through the blockchain technology, the property safety is ensured, and the default risk of the borrower is reduced.
When the multimedia intelligent terminal carries out loan transaction, the loan amount is generally displayed according to the input information, and the following defects still exist and need to be improved in the actual operation process:
1. the hidden income of the appointed personnel is not analyzed and confirmed, so that the loan amount is inaccurate;
2. the original loan transaction mode has low safety, and the situation that the loan is normally put down is easily caused by information theft.
Disclosure of Invention
The present invention aims to solve at least one of the technical problems existing in the prior art; therefore, the invention provides a management method, a device and a system of a multimedia loan transaction platform, which are used for solving the technical problems that the original loan transaction mode is low in safety and the loan is easily lowered due to information theft.
To achieve the above object, according to an embodiment of the first aspect of the present invention, a management system for a multimedia loan transaction platform is provided, including an information input terminal and a presentation management center;
the display management center comprises an information approval unit, an asset confirmation unit, a income confirmation unit, a credit confirmation unit, a display unit and a safety control module, wherein the safety control module comprises an IP address analysis unit, a face verification unit and a storage unit;
the information input end is used for inputting information required by loan transaction and transmitting the information required by loan transaction into the display management center, wherein the information required by bandwidth transaction comprises basic approval information, personal property information and personal income information;
the information approval unit extracts basic approval information from information required by loan transaction, and an operator performs self-verification comparison, generates a qualified signal according to the comparison result, and transmits the qualified signal to the asset confirmation unit and the income confirmation unit;
the asset confirmation unit receives the personal asset information according to the qualified signal, confirms the personal asset, and transmits the confirmed personal asset parameters to the quota confirmation unit, and the specific mode is as follows:
according to the confirmed personal assets, confirming the corresponding monetary parameters of the same personal assets from the cloud data, extracting the minimum value of a plurality of monetary parameters, and calibrating the confirmed minimum value as an asset value;
transmitting the calibrated asset value to a credit confirmation unit;
the income confirming unit is used for receiving and confirming personal income information according to the qualified signal, analyzing income values belonging to individuals and transmitting the income values into the quota confirming unit, and the specific mode is as follows:
confirming wage parameters of a single month from bank flowing water, sequentially obtaining wage parameters of a plurality of different months in one year, and carrying out average value processing on the wage parameters to obtain wage uniform parameters;
then from other running water, confirming a plurality of income and expenditure amounts in a single year, and eliminating transaction amounts with the bank card of the person after the confirmation is completed;
confirming the single month transaction amount after eliminating the transaction amount, and marking different income amounts in the single month as SR i-k Marking different expenditure amounts in a single month as ZC i-k Wherein i represents different months and k represents different amounts;
will belong to the same month's income amount SR i-k The payout amount ZC i-k Summing to obtain Shan Yuejin Ginseng JC i Directly adding Shan Yuejin Ginseng JC for several months i Carrying out mean value processing to obtain hidden average ginseng;
obtaining a income value belonging to an individual by hiding the samming and wage samming = income value, and transmitting the confirmed income value into the credit confirmation unit;
the credit confirmation unit confirms the credit of the appointed person according to the calibrated asset value and the personal income value, wherein the specific credit is confirmed by the internal credit, the appointed credit is given, and a confirmation signal is generated and transmitted to the safety management and control module;
the IP address analysis unit analyzes and confirms the IP address of the operation terminal and the IP address of the number adaptation terminal in the basic approval information according to the confirmation signal, if so, a verification signal is generated and transmitted to the face verification unit, and if not, an error signal is directly generated and transmitted to the display unit, wherein the specific mode is as follows:
the IP address of the operation terminal of the corresponding person is confirmed, the real-name number of the corresponding person is obtained from the basic approval information, and the IP address of the real-name number adaptation terminal is confirmed;
analyzing whether the two groups of IP addresses are the same address, if so, directly generating a verification signal, transmitting the verification signal into a face verification unit, and if not, directly generating an error signal, and transmitting the error signal into a display unit;
the face verification unit performs face verification in the corresponding personnel operation terminal according to the verification signal, extracts a preset verification template from the storage unit, and transmits a verification result to the display unit for display, wherein the face verification unit specifically comprises the following steps:
according to the verification signal, directly extracting a verification template from the storage unit, performing preliminary face verification processing on an operator, obtaining a face characteristic value of the operator, confirming identity information of a loan person from basic approval information, confirming whether the face characteristic value is consistent or not, directly generating an error signal if the face characteristic value is inconsistent, transmitting the error signal to the display unit, and performing next processing if the face characteristic value is consistent;
confirming face images, confirming eye images from the face images, confirming the center points of the eye images, adjusting the positions of the verification pictures, enabling the faces of operators to move along the verification pictures, acquiring the face images in the moving process, simultaneously confirming the center points of the eye images and the eye images, analyzing and confirming whether the positions of the center points of the two groups of eye images are changed, generating correct signals if the positions of the center points of the eye images are changed, transmitting the correct signals to the display unit, otherwise, generating error signals, and transmitting the error signals to the display unit.
Compared with the prior art, the invention has the beneficial effects that: when the flow analysis is carried out, the normal wage flow is confirmed in advance, then other flows are analyzed, corresponding hiding uniform parameters are confirmed, and the hidden income of different people is confirmed according to the WeChat flow and the Payment treasury flow, so that the confirmed income value is more accurate;
when face authentication is carried out, whether the IP addresses are consistent is analyzed in advance, whether face authentication is needed is judged according to the IP address analysis result, in the face authentication process, an authentication picture is adjusted, the center points of eyes of the face can move along the moving direction of the picture, if the center points of the eyes of the face are always in a constant state, the stolen face image is a certain risk, an error signal is directly generated, and the security of loan transaction can be improved by adopting the authentication mode, so that the condition of stolen loan is avoided;
by utilizing a big data storage technology, since the loan borrowing quantity of clients and the data record of the account-moving transaction are huge, in order to ensure that a history repayment plan can be quickly generated when each transaction history is traced back later, the newly generated repayment plan detail data after each account-moving transaction under each loan transaction must be stored in a big data HDFS;
detecting the change of an accounting component table and a repayment schedule by using a buried point scheme, if the change occurs, generating a historical transaction list detail, and storing the changed repayment schedule into a big data HDFS by using an asynchronous mechanism;
and providing an online webpage version, a PDF version, an offline version and the like according to the requirements of clients by using a template scheme, and visually displaying repayment plans and loan component amount detail calculation conditions generated before and after each transaction in a loan life cycle.
Drawings
Fig. 1 is a schematic diagram of a principle frame of the present invention.
Detailed Description
The technical solutions of the present invention will be clearly and completely described in connection with the embodiments, and it is obvious that the described embodiments are only some embodiments of the present invention, not all embodiments. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
Example 1
Referring to fig. 1, the present application provides a management system of a multimedia loan transaction platform, including an information input end and a display management center, wherein the information input end is electrically connected with the input end of the display management center;
the display management center comprises an information approval unit, an asset confirmation unit, a income confirmation unit, a credit confirmation unit, a display unit and a safety control module, wherein the safety control module comprises an IP address analysis unit, a face verification unit and a storage unit;
the information approval unit is electrically connected with the input ends of the asset confirmation unit and the income confirmation unit, the asset confirmation unit and the income confirmation unit are electrically connected with the input end of the credit confirmation unit, and the credit confirmation unit is electrically connected with the input end of the display unit;
the IP address analysis unit is electrically connected with the input end of the face verification unit, and the face verification unit is in bidirectional connection with the storage unit;
the information input end is used for inputting information required by loan transaction and transmitting the information required by loan transaction into the display management center, wherein the information required by bandwidth transaction comprises basic approval information, personal property information and personal income information;
the information approval unit extracts basic approval information from information required by loan transaction, compares the basic approval information with a preset template, and generates a qualified signal according to a comparison result by an operator in a specific approval mode, and transmits the qualified signal to the asset confirmation unit and the income confirmation unit;
the asset confirmation unit receives the personal asset information according to the qualified signal, confirms the personal asset and transmits the confirmed personal asset parameters to the credit confirmation unit, wherein the specific mode for confirming the personal asset is as follows:
according to the confirmed personal assets, confirming the corresponding monetary parameters of the same personal assets from the cloud data, extracting the minimum value of a plurality of monetary parameters, and calibrating the confirmed minimum value as an asset value;
and transmitting the calibrated asset value to a credit confirmation unit.
The income confirming unit is used for receiving and confirming personal income information according to the qualified signal, analyzing the income value belonging to the individual, transmitting the income value into the quota confirming unit, and analyzing the personal income value in the following specific modes:
confirming wage parameters of a single month from bank flowing water, sequentially obtaining wage parameters of a plurality of different months in one year, and carrying out average value processing on the wage parameters to obtain wage uniform parameters;
then from other running water, in particular, other running water may be micro message running water and payment treasured running water, confirming a plurality of income and expenditure amounts in a single year, and eliminating transaction amounts with the bank card of the person after the confirmation is completed;
confirming the single month transaction amount after eliminating the transaction amount, and marking different income amounts in the single month as SR i-k Marking different expenditure amounts in a single month as ZC i-k Wherein i represents different months and k represents different amounts;
will belong to the same month's income amount SR i-k The payout amount ZC i-k Summing to obtain Shan Yuejin Ginseng JC i Directly adding Shan Yuejin Ginseng JC for several months i The average value processing is carried out to obtain hidden average value, and in particular, in the personal income, the corresponding personal has hidden income as well as bright face income, so that the hidden income of different personnel is confirmed according to the micro-message running water and the payment treasured running water, and the confirmed income value is more accurate;
by hiding the average parameter + payroll average parameter = revenue value, the revenue value pertaining to the individual is obtained and the confirmed revenue value is transmitted into the credit confirmation unit.
The credit confirmation unit confirms the credit of the appointed person according to the calibrated asset value and the personal income value, wherein the specific credit is confirmed by the internal credit, the appointed credit is given, and a confirmation signal is generated and transmitted to the safety management and control module;
the IP address analysis unit in the security management and control module analyzes and confirms the IP address of the operation terminal and the IP address of the number adaptation terminal in the basic approval information according to the confirmation signal, if so, a verification signal is generated and transmitted to the face verification unit, and if not, an error signal is directly generated and transmitted to the display unit, wherein the specific mode for analyzing and confirming is as follows:
the IP address of the operation terminal of the corresponding person is confirmed, the real-name number of the corresponding person is obtained from the basic approval information, and the IP address of the real-name number adaptation terminal is confirmed;
and analyzing whether the two groups of IP addresses are the same address, if so, directly generating a verification signal, transmitting the verification signal into a face verification unit, and if not, directly generating an error signal, transmitting the error signal into a display unit, and specifically, carrying out loan by using identity information of other people by part of illegal personnel, so that the corresponding IP addresses are compared and analyzed to check whether the abnormality exists.
The face verification unit performs face verification in the corresponding personnel operation terminal according to the verification signal, extracts a preset verification template from the storage unit, and transmits a verification result to the display unit for display, wherein the specific mode of performing verification is as follows:
according to the verification signal, directly extracting a verification template from the storage unit, performing preliminary face verification processing on an operator, obtaining a face characteristic value of the operator, confirming identity information of a loan person from basic approval information, confirming whether the face characteristic value is consistent or not, directly generating an error signal if the face characteristic value is inconsistent, transmitting the error signal to the display unit, and performing next processing if the face characteristic value is consistent;
confirming face images, confirming eye images from the face images, confirming the center points of the eye images, adjusting the positions of the verification pictures, enabling faces of operators to move along the verification pictures, acquiring face images in the moving process, simultaneously confirming the center points of the eye images and the eye images, analyzing and confirming whether the center points of the two groups of eye images are changed or not, generating correct signals if the center points are changed, transmitting the correct signals to a display unit, otherwise generating error signals, transmitting the error signals to the display unit, specifically, carrying out face authentication in a special mode by partial illegal personnel through the acquired face images when carrying out face authentication, so as to cheat the face verification unit, thereby achieving the purpose of carrying out loan, and simultaneously enabling the center points of the eyes of the faces to move along the moving direction of the pictures when carrying out picture adjustment, and being the face images used if the center points are always in a constant state, so as to improve the safety of loan transaction and avoid the situation of stolen loan.
And the display unit displays the determined loan amount according to the received correct signal.
Example two
The management device of the multimedia loan transaction platform comprises at least three groups of processors, at least one group of storage media and a display screen, wherein the three groups of processors are respectively a property confirmation processor, a income confirmation processor and a face verification processor, the property confirmation processor is used for processing personal property parameters and obtaining property values of corresponding personnel, the income confirmation processor is used for confirming income values of the personnel according to personal income information, and the face verification processor is used for carrying out face verification processing on loan personnel and transmitting processing results into the display screen;
the display screen is used for displaying the processing result of the face verification processor.
The storage medium is used for storing a verification template required by the face verification processor.
Specifically, three groups of processors are adopted to process different information, so that the processing efficiency can be improved, the loan amount can be displayed quickly, the loan staff can check the loan amount, and the loan period is shortened.
Example III
The management method of the multimedia loan transaction platform comprises the following steps:
inputting information required by loan transaction in advance, performing verification analysis by an operator, confirming that primary examination is qualified, and generating a qualified signal;
step two, the personal property information is analyzed and confirmed according to the qualified signal, so as to obtain a property value belonging to the person, meanwhile, the personal income information is analyzed and confirmed according to the qualified signal, the income value belonging to the person is analyzed, and the loan amount is confirmed according to the property value and the income value;
step three, after confirming the loan amount, carrying out face verification on loan personnel, confirming whether the IP addresses are consistent in advance, if so, carrying out face information verification, and if not, generating an error signal representing that the information is stolen and displaying;
and step four, acquiring face verification images in advance, analyzing whether the face characteristic values are consistent with the characteristic values of pictures in the identity information, if so, directly adjusting the positions of the face verification images in the authentication process, acquiring face verification images in corresponding stages, analyzing whether the positions of eye image center points in two groups of face verification images are consistent, if so, representing that the eyes of the corresponding face images are not rotated, possibly being stolen images, otherwise, generating correct signals, and displaying the corresponding loan amount.
Example IV
Aiming at the situations that the loan of a customer in the financial industry has long loan period, frequent transaction, multiple transaction types and complex accounting components (principal, interest, punishment, expected interest, cost and the like), the customer can quickly solve the visual backtracking of each time period and each principal and cost-extinguishing detail calculation process in the loan, wherein the management system of the multimedia loan transaction platform has the following specific operation flow:
applying for loan: the client logs in a loan system of a financial institution at a mobile terminal in a WeChat public number, APP or H5 mode, and applies for loan to be paid to a personal bank card after the credit passes;
recording transaction information: the loan system will record, in the background, customer loan transaction related data (txn_order), including: principal of loan (Prin), term of loan (Term), rate of Interest of loan (interest_rate), manner of loan (equal principal, antecedent, etc.), rate of Interest of Penalty (penalty_rate), cost, date of loan, etc.;
generating a repayment plan: the loan system generates a first Repay plan_schedule record according to the loan information;
transaction adjustment 1: in the loan period, the interest rate of the customer is adjusted in the 2 nd stage due to policy reasons or mechanism preference, so that the repayment plan after the 2 nd stage of the loan bill is changed, a new repayment plan is generated according to the new interest rate, and the repayment plan before and after adjustment is stored in a big data table by the transaction monitoring module due to the fact that the transaction triggers the burial point of the transaction monitoring module TxnNitter;
the transaction table newly added interest adjustment record table is as follows:
the rate adjusted payoff schedule is as follows:
transaction adjustment 2: in the loan period, after the interest rate is adjusted, the customer performs the part repayment in advance of the loan, so that the repayment plan after the 2 nd period of the loan bill is changed again, the repayment plan is recalculated according to the residual principal after the part repayment, and the repayment plan tables before and after repayment are stored in a big data table by the transaction monitoring module because the transaction triggers the burial point of the transaction monitoring module TxnNiter;
and configuring a multimedia visual module (mediadisplay), wherein the multimedia visual module is used for supporting the configuration of an H5 online webpage template, a PDF offline template and the like so as to ensure the flexibility of multimedia display, and configuring the templates according to the display modes of different channels.
The multimedia visualization module comprises an H5 online module configuration unit, a visualized data triggering logic unit and a placeholder data filling logic unit;
the H5 on-line module configuration unit adopts HTML format configuration, A-1, A-2 and the like in the following table are marked as occupation symbols, and then a visualization module queries a database and a large data table according to borrowing information to obtain corresponding data and replaces the occupation symbols. The visual flow bill loan information is mainly divided into two parts, namely a basic information part and a dynamic account transaction part:
(1) Basic information part: recording first transaction information and a first repayment schedule of the borrowing data during client loan;
(2) Dynamic account transaction part: all data information is recorded for the borrowing lifecycle that results in a change in the payment plan due to the transaction.
The visual data triggering logic unit is used for saving calculation and storage resources of the system, and the visual data generating interface is called only when a client actively triggers to acquire visual data of a loan bill, and the visual data generating interface is called by a selected H5 online display or PDF offline display mode, and visual transaction data is dynamically generated by the visual module according to the current borrowing data.
Wherein the placeholder data populates the logic unit:
(1) According to the borrowing number, inquiring basic information of the borrowing in a loan service system, including a client ID, a client name, transaction basic information and the like, filling parts from A-1 to A-8 in basic information in a template, and then inquiring first repayment plan information of the borrowing and filling parts of A-9 by calling a big data repayment plan inquiry interface according to the transaction ID;
(2) According to the borrowing number, inquiring all transaction data (Txn_order) under the borrowing in a loan business system, and orderly filling data of a 'movable account transaction N' part according to transaction time;
(3) When filling the "transaction data (N-3)" section in "ledger transaction N", it is necessary to assemble the records according to txn_order, and if the ledger transaction is "adj_inst_rate" (adjustment interest RATE), then it is necessary to dynamically assemble N-3 into "interest RATE: 0.0001, penalty interest rate: 0.00005";
(4) When filling a post-transaction repayment plan (N-4) part in a dynamic account transaction N, calling a query interface of a big data repayment plan according to a transaction ID as a query condition to obtain a repayment plan list corresponding to the big data table, and filling the repayment plan list into the N-4 part;
(5) And (3) executing the steps (3) - (4) once according to the Txn_order record and generating all the accounting-moving transaction information under the full life cycle of the borrowing.
And dynamically generating repayment plan information changed by a full life cycle dynamic account exchange under certain borrowing according to the configured multimedia template.
By using the big data storage technology, a large amount of repayment plan information can be stored under a large amount of client loan transactions, and the quick inquiry of historical repayment plan records is facilitated.
The client can actively trigger and obtain loan account-moving transaction information in a channel system such as an APP, a public number or an H5 webpage system for bearing loan business in a financial institution, and select a corresponding visual media mode (PDF or H5 online display) to visually check the whole life cycle account-moving transaction process data of loan borrowing according to respective requirements, so that the client does not need to manually calculate or consult with a customer service mode.
The partial data in the formula are all obtained by removing dimension and taking the numerical value for calculation, and the formula is a formula closest to the real situation obtained by simulating a large amount of collected data through software; the preset parameters and the preset threshold values in the formula are set by those skilled in the art according to actual conditions or are obtained through mass data simulation.
The above embodiments are only for illustrating the technical method of the present invention and not for limiting the same, and it should be understood by those skilled in the art that the technical method of the present invention may be modified or substituted without departing from the spirit and scope of the technical method of the present invention.
Claims (7)
1. The management system of the multimedia loan transaction platform is characterized by comprising an information input end and a display management center;
the display management center comprises an information approval unit, an asset confirmation unit, a income confirmation unit, a credit confirmation unit, a display unit and a safety control module, wherein the safety control module comprises an IP address analysis unit, a face verification unit and a storage unit;
the information input end is used for inputting information required by loan transaction and transmitting the information required by loan transaction into the display management center, wherein the information required by bandwidth transaction comprises basic approval information, personal property information and personal income information;
the information approval unit extracts basic approval information from information required by loan transaction, and an operator performs self-verification comparison, generates a qualified signal according to the comparison result, and transmits the qualified signal to the asset confirmation unit and the income confirmation unit;
the asset confirmation unit is used for receiving the personal asset information according to the qualified signal, confirming the personal asset and transmitting the confirmed personal asset parameters to the limit confirmation unit;
the income confirming unit is used for receiving and confirming personal income information according to the qualified signal, analyzing income values belonging to the individuals and transmitting the income values into the quota confirming unit;
the credit confirmation unit confirms the credit of the appointed person according to the calibrated asset value and the personal income value, wherein the specific credit is confirmed by the internal credit, the appointed credit is given, and a confirmation signal is generated and transmitted to the safety management and control module;
the IP address analysis unit is used for analyzing and confirming the IP address of the operation terminal and the IP address of the number adaptation terminal in the basic approval information according to the confirmation signal, if so, generating a verification signal, transmitting the verification signal to the face verification unit, and if not, directly generating an error signal and transmitting the error signal to the display unit;
the face verification unit performs face verification in the corresponding personnel operation terminal according to the verification signal, extracts a preset verification template from the storage unit, and transmits a verification result to the display unit for display.
2. The system according to claim 1, wherein the property confirmation unit confirms the personal property in the following manner:
according to the confirmed personal assets, confirming the corresponding monetary parameters of the same personal assets from the cloud data, extracting the minimum value of a plurality of monetary parameters, and calibrating the confirmed minimum value as an asset value;
and transmitting the calibrated asset value to a credit confirmation unit.
3. The system for managing a multimedia loan transaction platform according to claim 2, wherein the income determining unit analyzes the personal income value in the following manner:
confirming wage parameters of a single month from bank flowing water, sequentially obtaining wage parameters of a plurality of different months in one year, and carrying out average value processing on the wage parameters to obtain wage uniform parameters;
then from other running water, confirming a plurality of income and expenditure amounts in a single year, and eliminating transaction amounts with the bank card of the person after the confirmation is completed;
confirming the single month transaction amount after eliminating the transaction amount, and marking different income amounts in the single month as SR i-k Marking different expenditure amounts in a single month as ZC i-k Wherein i represents different months and k represents different amounts;
will belong to the same month's income amount SR i-k The payout amount ZC i-k Summing to obtain Shan Yuejin Ginseng JC i Directly adding Shan Yuejin Ginseng JC for several months i Carrying out mean value processing to obtain hidden average ginseng;
by hiding the average parameter + payroll average parameter = revenue value, the revenue value pertaining to the individual is obtained and the confirmed revenue value is transmitted into the credit confirmation unit.
4. The system according to claim 1, wherein the IP address analysis unit analyzes and confirms the IP address in the following manner:
the IP address of the operation terminal of the corresponding person is confirmed, the real-name number of the corresponding person is obtained from the basic approval information, and the IP address of the real-name number adaptation terminal is confirmed;
and analyzing whether the two groups of IP addresses are the same address, if so, directly generating a verification signal, transmitting the verification signal into a face verification unit, and if not, directly generating an error signal, and transmitting the error signal into a display unit.
5. The system according to claim 4, wherein the face verification unit performs face verification in the following specific manner:
according to the verification signal, directly extracting a verification template from the storage unit, performing preliminary face verification processing on an operator, obtaining a face characteristic value of the operator, confirming identity information of a loan person from basic approval information, confirming whether the face characteristic value is consistent or not, directly generating an error signal if the face characteristic value is inconsistent, transmitting the error signal to the display unit, and performing next processing if the face characteristic value is consistent;
confirming face images, confirming eye images from the face images, confirming the center points of the eye images, adjusting the positions of the verification pictures, enabling the faces of operators to move along the verification pictures, acquiring the face images in the moving process, simultaneously confirming the center points of the eye images and the eye images, analyzing and confirming whether the positions of the center points of the two groups of eye images are changed, generating correct signals if the positions of the center points of the eye images are changed, transmitting the correct signals to the display unit, otherwise, generating error signals, and transmitting the error signals to the display unit.
6. A management device of a multimedia loan transaction platform, which is applied to the management system of any one of claims 1-5, and is characterized by comprising at least three groups of processors, at least one group of storage media and a display screen;
the three groups of processors are respectively an asset confirmation processor, a income confirmation processor and a face verification processor, wherein the asset confirmation processor is used for processing personal asset parameters and obtaining asset values of corresponding persons, the income confirmation processor is used for confirming income values of the persons according to personal income information, and the face verification processor is used for carrying out face verification processing on loan persons and transmitting processing results into a display screen;
the display screen is used for displaying the processing result of the face verification processor;
the storage medium is used for storing a verification template required by the face verification processor.
7. A method for managing a multimedia loan transaction platform, the method being applied to the management system of any one of claims 1 to 5, comprising the steps of:
inputting information required by loan transaction in advance, performing verification analysis by an operator, confirming that primary examination is qualified, and generating a qualified signal;
step two, the personal property information is analyzed and confirmed according to the qualified signal, so as to obtain a property value belonging to the person, meanwhile, the personal income information is analyzed and confirmed according to the qualified signal, the income value belonging to the person is analyzed, and the loan amount is confirmed according to the property value and the income value;
step three, after confirming the loan amount, carrying out face verification on loan personnel, confirming whether the IP addresses are consistent in advance, if so, carrying out face information verification, and if not, generating an error signal representing that the information is stolen and displaying;
and fourthly, acquiring face verification images in advance, analyzing whether the face characteristic values are consistent with the characteristic values of the pictures in the identity information, if so, directly adjusting the positions of the face verification images in the authentication process, acquiring face verification images in corresponding stages, analyzing whether the positions of eye image center points in the two groups of face verification images are consistent, if so, generating error signals if the eyes of the corresponding face images are not rotated, otherwise, generating correct signals, and displaying the corresponding loan amount.
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