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Automatic loan auditing method

An automatic and auditing information technology, applied in data processing applications, finance, instruments, etc., can solve the problems of low efficiency of manual lending audit, achieve convenient and fast service, reduce user operations, and improve user experience

Pending Publication Date: 2022-05-27
无锡锡商银行股份有限公司
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  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

[0005] The present invention provides an automatic lending audit method, which solves the problems of low efficiency of manual lending audit existing in related technologies

Method used

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  • Automatic loan auditing method
  • Automatic loan auditing method

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Embodiment Construction

[0057] It should be noted that the embodiments of the present invention and the features of the embodiments may be combined with each other under the condition of no conflict. The present invention will be described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.

[0058] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be described clearly and completely below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only Embodiments of some, but not all, of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0059] It should be noted that the ...

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Abstract

The invention relates to the technical field of bank loan auditing, and particularly discloses an automatic loan auditing method which comprises the following steps: acquiring a loan information image sequence to be audited uploaded by a user; performing image processing and character recognition on the to-be-audited loan information image sequence to generate a character table; determining user identity information according to the character table, obtaining a user identity information identification result, screening user mortgage information according to the character table, and obtaining a user mortgage information identification result; obtaining a target ROI area according to the user identity information identification result and the user mortgage information identification result, and identifying the target ROI area according to a fraud area identification model to obtain a fraud area identification result; and performing comprehensive decision according to the user identity information identification result, the user mortgage information identification result and the fraud area identification result to obtain an automatic loan audit result. According to the automatic loan auditing method provided by the invention, the loan auditing efficiency is improved.

Description

technical field [0001] The invention relates to the technical field of bank loan review, in particular to an automatic loan review method. Background technique [0002] The advent of the Internet era has brought a great impact on the development of the market economy system, and the financial service model has also undergone corresponding changes. With the increasing number of Internet users and the growing size of the Internet economy, the need for the combination of the Internet and the traditional financial industry has become more and more urgent. In order to provide Internet customers with more convenient and independent channels and promote the diversified development of financial services, various financial services have begun to transform from offline to online, and online loan review has become an inevitable trend. [0003] In the business scenario of Internet finance, the information that customers need to review will be uploaded to the online system. Due to the c...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06V30/40G06K9/62G06V10/25
CPCG06Q40/03G06F18/214
Inventor 曹攀杨赛顾全林
Owner 无锡锡商银行股份有限公司
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