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Image-based credit approval method and device, electronic equipment and medium

An image and credit technology, applied in the field of artificial intelligence, can solve problems such as single business data, inaccurate credit approval, future changes in historical business data, etc., to achieve the effect of achieving accuracy and improving accuracy

Pending Publication Date: 2021-11-26
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

When performing credit approval in the prior art, it is often matched according to the information filled in by the user when applying (such as job and income information) and the historical related information (such as credit information) of the user to determine whether to pass the user's application, but this The business data combined by the method is relatively simple, and the historical business data may change in the future, so there is the problem of inaccurate credit approval

Method used

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  • Image-based credit approval method and device, electronic equipment and medium
  • Image-based credit approval method and device, electronic equipment and medium
  • Image-based credit approval method and device, electronic equipment and medium

Examples

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Embodiment Construction

[0059] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0060]An embodiment of the present application provides an image-based credit approval method. The subject of execution of the image-based credit approval method includes, but is not limited to, at least one of electronic devices such as a server and a terminal that can be configured to execute the method provided by the embodiment of the present application. Among them, the server can be an independent server, or it can provide cloud service, cloud database, cloud computing, cloud function, cloud storage, network service, cloud communication, middleware service, domain name service, security service, content delivery network (Content Delivery Network) Network, CDN), and cloud servers for basic cloud computing services such as big data and artificial intelligence platforms. In other words, the image-based credit appr...

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Abstract

The invention relates to the technical field of artificial intelligence, and discloses an image-based credit approval method, which comprises the following steps: acquiring a user image of an application user, and preprocessing the user image to obtain a standard image; performing target verification on the standard image; when the target verification is passed, inputting the standard image into a pre-constructed image index identification model to obtain a plurality of image index values of the application user; calculating an identification condition value of the application user by using a preset index identification algorithm and the plurality of image index values; determining a user state of the application user according to the identification condition value; and obtaining identity information and historical service information of the application user, and performing credit approval on the application user according to the user state, the identity information and the historical service information. The invention further provides an image-based credit approval device and equipment and a storage medium. The invention also relates to a block chain technology, and the user image can be stored in a block chain node. According to the invention, the credit approval accuracy can be improved.

Description

technical field [0001] The invention relates to the technical field of artificial intelligence, in particular to an image-based credit approval method, device, electronic equipment and computer-readable storage medium. Background technique [0002] With the development of computer technology, more and more businesses are executed by computer, for example, credit application business and approval business. After the user applies online through the computer, the user's identity information is captured through big data for automatic credit business approval. When performing credit approval in the prior art, it is often matched according to the information filled in by the user when applying (such as job and income information) and the historical related information (such as credit information) of the user to determine whether to pass the user's application, but this The business data combined by the method is relatively simple, and the historical business data may change in th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06K9/00
CPCG06Q40/03
Inventor 余强
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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