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A client overdue risk judgment method and device based on micro-expression recognition

A micro-expression, customer technology, applied in character and pattern recognition, instruments, finance, etc., can solve problems such as consuming human resources, poor customer experience, and requiring labor.

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

The disadvantage of this acquisition method is that it cannot automatically and directly obtain overdue information from customers, it needs to be done manually, the judgment of overdue situation is not accurate enough, continuous follow-up consumes human resources, and it will bring customers a bad experience

Method used

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  • A client overdue risk judgment method and device based on micro-expression recognition
  • A client overdue risk judgment method and device based on micro-expression recognition
  • A client overdue risk judgment method and device based on micro-expression recognition

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Embodiment Construction

[0050] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without one or more of the specific details being omitted, or other methods, components, devices, steps, etc. may be adopted. In other instances, well-known technical solution...

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Abstract

The invention relates to a client overdue risk judgment method and device based on micro-expression recognition. The invention belongs to the technical field of micro-expression recognition application. The method comprises the steps that within a first deadline after a repayment time point, video call connection is initiated to a client terminal of a client who does not complete repayment at therepayment time point, after a call is established, preset voice of different questions is played in the call, and a face video when the client answers the questions is acquired; Obtaining video framesequences of time periods of different problems in the face video; Extracting video frame features with micro-expression changes in time periods of different problems from the video frame sequence byutilizing micro-expression recognition; And according to the extracted video frame features with the micro-expression changes in the time periods of different problems, judging whether the client exceeds a second deadline or not, wherein the second deadline is greater than the first deadline. According to the method, the overdue information of the client can be automatically and accurately obtained through micro-expression recognition.

Description

technical field [0001] The present disclosure relates to the field of micro-expression recognition application technology, and in particular, to a method and device for judging customer overdue risk based on micro-expression recognition. Background technique [0002] Post-loan is one of the important parts of the loan business. However, at present, the overdue rate after the loan is high, and the risk control is not perfect. The increase in the overdue rate will lead to insufficient capital flow, affect the company's profitability, and lead to insufficient public trust and reduce business. develop ability. However, it is difficult to judge the overdue risk of customers. At present, the main methods for judging the overdue risk of customers are: through the continuous follow-up and acquisition of bank personnel themselves, and judgment based on the historical overdue situation of customers. The disadvantage of this acquisition method is that it cannot automatically and direc...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/00
CPCG06V40/176G06Q40/03
Inventor 陈静静邱寒
Owner ONE CONNECT SMART TECH CO LTD SHENZHEN
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