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A user risk degree analysis method and device based on micro-expression recognition

A technology of risk degree and analysis method, applied in the computer field, can solve problems such as the inability to guarantee the authenticity and accuracy of the information provided by the user, the unsatisfactory effect of user risk management and control, and the unsatisfactory effect of risk management and control, so as to ensure objectivity and accuracy. Effective risk management and control, and the effect of reducing post-loan bad debts

Pending Publication Date: 2019-04-05
ONE CONNECT SMART TECH CO LTD SHENZHEN
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the above operations can only determine the identity of the user, and cannot guarantee the authenticity and accuracy of the information provided by the user.
That is to say, the above scheme can only control user risk from the dimension of user identity, and the effect of risk control is not ideal
[0003] In related technologies, there is no effective solution to the problem of unsatisfactory user risk management and control.

Method used

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  • A user risk degree analysis method and device based on micro-expression recognition
  • A user risk degree analysis method and device based on micro-expression recognition
  • A user risk degree analysis method and device based on micro-expression recognition

Examples

Experimental program
Comparison scheme
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Embodiment 1

[0067] The user risk degree analysis method based on micro-expression recognition provided by the present invention will be described below with reference to the accompanying drawings.

[0068] figure 1 It is an optional schematic flow chart of the user risk degree analysis method based on micro-expression recognition in the present invention, such as figure 1 As shown, the method may include the following steps:

[0069] S01. Collecting facial images of users in the process of handling loan business.

[0070] In this embodiment, this solution can be applied to an application program (APP) related to loan handling. This APP can usually be installed in a mobile terminal used by a loan handling personnel (such as a loan account manager), so that when the user wants to When handling the loan business, the loan handling personnel can guide the user to enter the relevant pages of the APP to perform operations, so as to complete the information entry and face recognition related t...

Embodiment 2

[0105] Based on the user risk level analysis method based on micro-expression recognition provided in the first embodiment above, this embodiment provides a user risk level analysis device based on micro-expression recognition, specifically, Figures 3 to 5 An optional structural block diagram of the user risk level analysis device based on micro-expression recognition is shown, the user risk level analysis device based on micro-expression recognition is divided into one or more program modules, and one or more program modules are stored stored in a storage medium and executed by one or more processors to complete the present invention. The program module referred to in the present invention refers to a series of computer program instruction segments that can complete specific functions, and is more suitable than the program itself to describe the execution process of the user risk level analysis device based on micro-expression recognition in the storage medium. The following ...

Embodiment 3

[0134] This embodiment also provides a computer device, such as a smart phone, a tablet computer, a notebook computer, a desktop computer, a rack server, a blade server, a tower server, or a cabinet server (including an independent server, or A server cluster composed of multiple servers), etc. Such as Image 6 As shown, the computer device 60 of this embodiment at least includes but is not limited to: a memory 61 and a processor 62 that can communicate with each other through a system bus, such as Image 6 shown. It should be pointed out that, Image 6 Only computer device 60 is shown having components 61-62, but it should be understood that implementing all of the illustrated components is not a requirement and that more or fewer components may instead be implemented.

[0135] In this embodiment, the memory 61 (that is, a readable storage medium) includes a flash memory, a hard disk, a multimedia card, a card-type memory (for example, SD or DX memory, etc.), random access m...

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Abstract

The invention discloses a micro-expression recognition-based user risk degree analysis method. The method comprises the following steps of: acquiring a face image of a user in a loan service handlingprocess; Performing micro-expression recognition on the face image to obtain scores of each preset subclass of micro-expressions corresponding to the face image; Determining a target large-class microexpression corresponding to the face image according to the score of each preset small-class micro expression; Calculating a total score value of each preset subclass micro-expression contained in the target subclass micro-expression; And determining the risk degree of the user according to the calculation result. The user risk degree is intelligently evaluated on the basis of micro-expression recognition, so that the problem that the user risk management and control effect is not ideal in the prior art is solved, the analysis efficiency and accuracy of the user risk degree can be improved, and more effective user risk management and control are realized.

Description

technical field [0001] The present invention relates to the field of computer technology, in particular to a user risk degree analysis method and device based on micro-expression recognition. Background technique [0002] In the current loan business process, it usually includes information pre-recording, insurance application, information supplementary recording, pre-loan approval, loan contract signing, operation management and other links. There is less interaction between them, which is limited to face recognition by grabbing the user's avatar and comparing it with the photo of the ID card stored in the public security network to determine whether they are the same person in the process of insurance application and contract signing, and in the pre-loan approval process. In China, the loan approval personnel initiates a video chat with the user for remote face-to-face review. However, the above operations can only determine the identity of the user, and cannot guarantee ...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06K9/00
CPCG06V40/174G06Q40/03
Inventor 李冰莲
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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