Home decoration staging service application method and device based on photo position information

文档序号：1799991 发布日期：2021-11-05 浏览：23次中文

阅读说明：本技术 基于照片位置信息的家装分期业务应用方法及装置 (Home decoration staging service application method and device based on photo position information ) 是由周波王宝军杨张磊林敏� 朱维佳于 2021-07-27 设计创作，主要内容包括：本公开提供一种基于照片位置信息的家装分期业务应用方法及装置,包括获取待申请家装分期业务的未装修房屋的第一照片信息；基于第一照片信息,获取第一照片信息对应的第一地址信息；将第一地址信息与房屋对应的房产证地址进行对比,获取第一对比结果；获取待申请家装分期业务的装修中期或者装修结束房屋的第二照片信息；基于第二照片信息,获取第二照片信息对应的第二地址信息；将第一地址信息与第二地址信息进行对比,获取第二对比结果；根据第一对比结果和第二对比结果,确定用户用于申请家装分期业务资料的真实性。本公开的方法能够对用户申请家装分期业务的真实性进行验证,提升家装分期业务授信的准确度。(The invention provides a home decoration staging service application method and a home decoration staging service application device based on photo position information, which comprises the steps of obtaining first photo information of an unfinished house of which the home decoration staging service is to be applied; acquiring first address information corresponding to the first photo information based on the first photo information; comparing the first address information with a house certificate address corresponding to the house to obtain a first comparison result; acquiring second photo information of the house at the decoration middle period or at the decoration end of the home decoration staging service to be applied; acquiring second address information corresponding to the second photo information based on the second photo information; comparing the first address information with the second address information to obtain a second comparison result; and determining the authenticity of the user for applying for the home decoration staging service data according to the first comparison result and the second comparison result. The method disclosed by the invention can verify the authenticity of the user applying the home decoration staging service, and improves the accuracy of credit granting of the home decoration staging service.)

1. A home decoration staging service application method based on photo position information is characterized by comprising the following steps:

acquiring first photo information of an unfinished house of a to-be-applied home decoration staging service;

acquiring first address information corresponding to the first photo information based on the first photo information;

comparing the first address information with the corresponding house property certificate address of the house to obtain a first comparison result;

acquiring second photo information of the house at the decoration middle period or at the decoration end of the home decoration staging service to be applied;

acquiring second address information corresponding to the second photo information based on the second photo information;

comparing the first address information with the second address information to obtain a second comparison result;

and determining the authenticity of the user for applying for the home decoration staging service data according to the first comparison result and the second comparison result.

2. The method for applying a house decoration staging service based on photo location information as claimed in claim 1, wherein after acquiring the first photo information of the unfinished house for which the house decoration staging service is to be applied, the method further comprises:

acquiring a user identifier corresponding to the first photo information;

acquiring first equipment identification information corresponding to the user identification according to the user identification corresponding to the first photo information;

judging whether the first equipment identification information is the same as the reserved equipment identification information of the user waiting for applying for the home decoration in the period,

and if the first photo information is the same as the second photo information, acquiring first address information corresponding to the first photo information.

3. The method for applying a home decoration staging service based on photo location information as claimed in claim 1, wherein the first photo information and/or the second photo information includes at least two photos, the method further comprising:

acquiring node information of home decoration staging service, wherein the node information is used for indicating the stage of the home decoration staging service, and comprises at least two nodes, a home decoration staging service application node and a decoration mid-term or decoration end node;

and sending photo uploading reminding information to the home decoration staging user to be applied according to the node information of the home decoration staging service and a preset period so that the user uploads corresponding photo information at different nodes of the home decoration staging service.

4. The method for applying a home decoration staging service based on photo location information as claimed in claim 1, wherein the method for determining the authenticity of the user for applying for the home decoration staging service profile according to the first comparison result and the second comparison result comprises:

judging the authenticity of the user for applying for home decoration staging business data in a credit granting stage according to the first comparison result;

and judging the authenticity of the user for applying for the home decoration staging service data and the authenticity of the information provided by the user in the credit granting stage in the monitoring stage according to the second comparison result.

5. The method for applying a home decoration staging service based on photo location information as claimed in claim 1, wherein the method for determining the authenticity of the user for applying for the home decoration staging service profile according to the first comparison result and the second comparison result comprises:

if the first comparison result is inconsistent and/or the second comparison result is inconsistent, determining that the data of the home decoration staging service applied by the user is not real;

and if the first comparison result and the second comparison result are consistent, determining that the service data of the user for applying for home decoration staging is true.

6. A home decoration staging service application apparatus based on photo location information, the apparatus comprising:

the system comprises a first unit, a second unit and a third unit, wherein the first unit is used for acquiring first photo information of an unfinished house of which the home decoration staging service is to be applied;

the second unit is used for acquiring first address information corresponding to the first photo information based on the first photo information;

the third unit is used for comparing the first address information with the corresponding house certificate address of the house to obtain a first comparison result;

the fourth unit is used for acquiring second photo information of the house at the decoration middle period or the decoration end of the home decoration staging service to be applied;

a fifth unit, configured to obtain second address information corresponding to the second photograph information based on the second photograph information;

a sixth unit, configured to compare the first address information with the second address information, and obtain a second comparison result;

and the seventh unit is used for determining the authenticity of the service data used for applying for the home decoration staging by the user according to the first comparison result and the second comparison result.

7. The photo location information-based home decoration staging service application apparatus according to claim 6, further comprising an eighth unit for:

acquiring a user identifier corresponding to the first photo information;

acquiring first equipment identification information corresponding to the user identification according to the user identification corresponding to the first photo information;

judging whether the first equipment identification information is the same as the reserved equipment identification information of the user waiting for applying for the home decoration in the period,

and if the first photo information is the same as the second photo information, acquiring first address information corresponding to the first photo information.

8. The photo location information-based home decoration staging service application apparatus according to claim 6, further comprising a ninth unit for:

9. The home decoration staging service application method based on photo location information as recited in claim 6, wherein the seventh unit is further configured to:

judging the authenticity of the user for applying for home decoration staging business data in a credit granting stage according to the first comparison result;

10. The home decoration staging service application method based on photo location information as recited in claim 6, wherein the seventh unit is further configured to:

if the first comparison result is inconsistent and/or the second comparison result is inconsistent, determining that the data of the home decoration staging service applied by the user is not real;

and if the first comparison result and the second comparison result are consistent, determining that the service data of the user for applying for home decoration staging is true.

Technical Field

The disclosure relates to the technical field of finance, in particular to a home decoration staging business application method and device based on photo position information.

Background

The home decoration installments are installments provided by clients with home decoration requirements in bank behaviors. At present, many banks do not actually monitor home decoration loan, which causes many problems, and home decoration loan installments are actually 90% used for non-home decoration consumption and are not used for other purposes.

Therefore, it has become a pain point for the industry to verify whether the customer has real home decoration needs.

How to provide a technical solution to the above problems is a problem that needs to be solved by those skilled in the art.

Disclosure of Invention

The embodiment of the disclosure provides a method and a device for applying home decoration staging business based on photo position information, and the method can verify the authenticity of a user applying the home decoration staging business and improve the accuracy of credit granting of the home decoration staging business.

In a first aspect of the embodiments of the present disclosure, a method for applying a home decoration staging service based on photo location information is provided, including:

acquiring first photo information of an unfinished house of a to-be-applied home decoration staging service;

acquiring first address information corresponding to the first photo information based on the first photo information;

comparing the first address information with the corresponding house property certificate address of the house to obtain a first comparison result;

acquiring second photo information of the house at the decoration middle period or at the decoration end of the home decoration staging service to be applied;

acquiring second address information corresponding to the second photo information based on the second photo information;

comparing the first address information with the second address information to obtain a second comparison result;

and determining the authenticity of the user for applying for the home decoration staging service data according to the first comparison result and the second comparison result.

In an alternative embodiment of the method according to the invention,

after obtaining the first photo information of the unfinished house for which the home decoration staging service is to be applied, the method further comprises:

acquiring a user identifier corresponding to the first photo information;

acquiring first equipment identification information corresponding to the user identification according to the user identification corresponding to the first photo information;

judging whether the first equipment identification information is the same as the reserved equipment identification information of the user waiting for applying for the home decoration in the period,

and if the first photo information is the same as the second photo information, acquiring first address information corresponding to the first photo information.

In an alternative embodiment of the method according to the invention,

the first photo information and/or the second photo information includes at least two photos, and the method further includes:

In an alternative embodiment of the method according to the invention,

the method for determining the authenticity of the user for applying for the home decoration staging business data according to the first comparison result and the second comparison result comprises the following steps:

judging the authenticity of the user for applying for home decoration staging business data in a credit granting stage according to the first comparison result;

In an alternative embodiment of the method according to the invention,

if the first comparison result is inconsistent and/or the second comparison result is inconsistent, determining that the data of the home decoration staging service applied by the user is not real;

and if the first comparison result and the second comparison result are consistent, determining that the service data of the user for applying for home decoration staging is true.

In a second aspect of the embodiments of the present disclosure, there is provided a home decoration staging service application apparatus based on photo location information, the apparatus including:

the second unit is used for acquiring first address information corresponding to the first photo information based on the first photo information;

the third unit is used for comparing the first address information with the corresponding house certificate address of the house to obtain a first comparison result;

the fourth unit is used for acquiring second photo information of the house at the decoration middle period or the decoration end of the home decoration staging service to be applied;

a fifth unit, configured to obtain second address information corresponding to the second photograph information based on the second photograph information;

a sixth unit, configured to compare the first address information with the second address information, and obtain a second comparison result;

In an alternative embodiment of the method according to the invention,

the apparatus further comprises an eighth unit for:

acquiring a user identifier corresponding to the first photo information;

acquiring first equipment identification information corresponding to the user identification according to the user identification corresponding to the first photo information;

judging whether the first equipment identification information is the same as the reserved equipment identification information of the user waiting for applying for the home decoration in the period,

and if the first photo information is the same as the second photo information, acquiring first address information corresponding to the first photo information.

In an alternative embodiment of the method according to the invention,

the apparatus further comprises a ninth unit for:

In an alternative embodiment of the method according to the invention,

the seventh unit is further configured to:

judging the authenticity of the user for applying for home decoration staging business data in a credit granting stage according to the first comparison result;

In an alternative embodiment of the method according to the invention,

the seventh unit is further configured to:

if the first comparison result is inconsistent and/or the second comparison result is inconsistent, determining that the data of the home decoration staging service applied by the user is not real;

and if the first comparison result and the second comparison result are consistent, determining that the service data of the user for applying for home decoration staging is true.

The home decoration staging service application method based on the photo position information comprises the following steps:

acquiring first photo information of an unfinished house of a to-be-applied home decoration staging service;

acquiring first address information corresponding to the first photo information based on the first photo information;

comparing the first address information with the corresponding house property certificate address of the house to obtain a first comparison result;

acquiring second photo information of the house at the decoration middle period or at the decoration end of the home decoration staging service to be applied;

acquiring second address information corresponding to the second photo information based on the second photo information;

comparing the first address information with the second address information to obtain a second comparison result;

and determining the authenticity of the user for applying for the home decoration staging service data according to the first comparison result and the second comparison result.

According to the home decoration staging service application method based on the photo position information, the address obtained indirectly by taking the photo in the house is compared with the address obtained directly by the client property certificate, and the authenticity of the data provided by the client is verified in a cross mode so as to determine the authenticity of the data; through the comparison of the photo position information twice, the information provided by the customer home decoration staging service application is further verified and verified, and a monitoring means is provided for the home decoration staging service.

Drawings

Fig. 1 is a schematic flow chart illustrating a method for applying a home decoration staging service based on photo location information according to an embodiment of the present disclosure;

FIG. 2 is a diagram of a cell phone setup interface for taking a photograph of a house according to an embodiment of the present disclosure;

FIG. 3 is a schematic diagram of extracting GPS information from photo information according to an embodiment of the disclosure;

FIG. 4 is a schematic diagram of a global positioning system information being converted from latitude to longitude according to an embodiment of the present disclosure;

fig. 5 is a schematic structural diagram of a home decoration staging service application device based on photo location information according to an embodiment of the present disclosure.

Detailed Description

In order to make the objects, technical solutions and advantages of the embodiments of the present disclosure more clear, the technical solutions of the embodiments of the present disclosure will be described clearly and completely with reference to the drawings in the embodiments of the present disclosure, and it is obvious that the described embodiments are only a part of the embodiments of the present disclosure, not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments disclosed herein without making any creative effort, shall fall within the protection scope of the present disclosure.

The terms "first," "second," "third," "fourth," and the like in the description and in the claims of the present disclosure and in the drawings described above, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the disclosure described herein are capable of operation in sequences other than those illustrated or otherwise described herein.

It should be understood that, in various embodiments of the present disclosure, the sequence numbers of the processes do not mean the execution sequence, and the execution sequence of the processes should be determined by the functions and the inherent logic of the processes, and should not constitute any limitation on the implementation process of the embodiments of the present disclosure.

It should be understood that in the present disclosure, "including" and "having" and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed, but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.

It should be understood that in the present disclosure, "plurality" means two or more. "and/or" is merely an association describing an associated object, meaning that three relationships may exist, for example, and/or B, may mean: a exists alone, A and B exist simultaneously, and B exists alone. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "comprises A, B and C" and "comprises A, B, C" means that all three of A, B, C comprise, "comprises A, B or C" means that one of A, B, C comprises, "comprises A, B and/or C" means that any 1 or any 2 or 3 of A, B, C comprises.

It should be understood that in this disclosure, "B corresponding to a", "a corresponds to B", or "B corresponds to a" means that B is associated with a, from which B can be determined. Determining B from a does not mean determining B from a alone, but may be determined from a and/or other information. And the matching of A and B means that the similarity of A and B is greater than or equal to a preset threshold value.

As used herein, "if" may be interpreted as "at … …" or "when … …" or "in response to a determination" or "in response to a detection", depending on the context.

The technical solution of the present disclosure is explained in detail below with specific examples. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments.

Fig. 1 schematically illustrates a flow chart of a method according to an embodiment of the present disclosure, and as shown in fig. 1, the method includes:

s101, obtaining first photo information of an unfinished house of which the home decoration staging service is to be applied;

the home decoration installments are installments provided by clients with home decoration requirements in bank behaviors. In practical application, at present, many banks do not actually monitor home decoration loan, which causes many problems, and home decoration installments are actually used for 90% of non-home decoration consumption but are not used for other purposes. The method of the embodiment of the disclosure indirectly obtains the address information by taking a picture in the house so as to cross-compare the address information with the subsequently obtained address information to determine the authenticity of the address information.

FIG. 2 is a diagram of a cell phone setup interface for taking a photograph of a house according to an embodiment of the present disclosure; for example, the photographer may perform geographical location setting at the time of shooting, and the shot picture contains GPS (Global Positioning System) information. That is, in the first photo information of the unfinished house where the home decoration staging service is to be applied, the photo information may include GPS information.

In an alternative embodiment of the method according to the invention,

after obtaining the first photo information of the unfinished house for which the home decoration staging service is to be applied, the method further comprises:

acquiring a user identifier corresponding to the first photo information;

acquiring first equipment identification information corresponding to the user identification according to the user identification corresponding to the first photo information;

judging whether the first equipment identification information is the same as the reserved equipment identification information of the user waiting for applying for the home decoration in the period,

and if the first photo information is the same as the second photo information, acquiring first address information corresponding to the first photo information.

For example, the first photo information may correspond to a user identifier, where the user identifier may include a string of codes, that is, in practical applications, after a photo is taken, the photo information may correspond to the user identifier, so that a user who takes the photo may be known;

further, first device identification information corresponding to the user identification may be obtained according to the user identification corresponding to the first photo information. The user identification and the equipment identification can be corresponded, namely, the equipment used by the user who takes the picture can be known, and the unique corresponding relation between the user identification and the equipment identification can be ensured by corresponding the user identification and the equipment identification.

Optionally, whether the first device identification information is the same as the reserved device identification information of the user waiting for applying for the home decoration staging is judged. Specifically, when a user applies for a home decoration periodic service, device identification information may be reserved, where the device identification information may include an identifier for uniquely indicating the device, and the device identification information may include an IMEI (International Mobile Equipment Identity). It should be noted that the embodiment of the present disclosure does not limit the type of the device identification information.

And if the first equipment identification information is the same as the reserved equipment identification information of the user waiting for applying for the home decoration staging, further acquiring first address information corresponding to the first photo information.

By acquiring the user identification corresponding to the first photo information and judging whether the user identification is the same as the reserved equipment identification information or not, the equipment for shooting the decorated house can be ensured to be corresponding to the equipment used by the user applying for the home decoration in the staging, and the user can be effectively prevented from cheating supervision in the modes of forwarding by others or downloading the photo and the like.

Step S102, acquiring first address information corresponding to the first photo information based on the first photo information;

illustratively, the first address information corresponding to the first photo information may be further obtained through the first photo information, where fig. 3 is a schematic diagram of extracting global positioning system information in the photo information according to the embodiment of the present disclosure, as shown in fig. 3, information such as GPS in the photo is generally included in the photo EXIF, and may be right-clicked to select an "attribute" or may be viewed through a professional tool. In addition, if the number of the photos is large, the information about the GPS in the photos EXIF can be extracted in batches through the tool, and the processing efficiency is improved.

In an alternative embodiment of the method according to the invention,

the method for acquiring the first address information corresponding to the first photo information comprises the following steps:

acquiring global positioning system information in the first photo information, performing longitude and latitude conversion on the global positioning system information, and acquiring converted longitude and latitude data;

and acquiring first address information corresponding to the first photo information based on a preset map platform and/or latitude and longitude address conversion software through the converted latitude and longitude data.

Fig. 4 is a schematic diagram of performing latitude and longitude conversion on global positioning system information according to the embodiment of the present disclosure, as shown in fig. 4:

in practical applications, the latitude and longitude information is shown in a format of degree minutes and seconds (in terms of interval between degree minutes and seconds), and for convenience of positioning, the degree minutes and seconds need to be converted into a format of degree.

In an alternative embodiment of the method according to the invention,

the method for converting the longitude and latitude of the global positioning system information comprises the following steps:

and carrying out longitude and latitude conversion on the global positioning system information according to a method shown by the following formula:

the converted longitude and latitude data is degree + (min + second/60)/60,

wherein the global positioning system information comprises degree, minute and second.

And after the longitude and latitude data are obtained, the longitude and latitude data can be converted into an address through a map platform or longitude and latitude address conversion software.

It should be noted that, the embodiment of the present disclosure does not limit the specific method for converting latitude and longitude data into an address.

Step S103, comparing the first address information with a corresponding property certificate address of the house to obtain a first comparison result;

for example, the first address information may be compared with a house property certificate address corresponding to a house, where the address in the house property certificate is an address determined by the house, and if the first address information corresponds to the address in the house property certificate, the information provided by the user may be determined to be real, that is, the user actually uses home decoration installment loan for home decoration;

if the first address information does not correspond to the address in the property certificate, the information provided by the user can be determined to be unrealistic, and therefore the loan risk is avoided in time.

The address obtained by taking the photo in the house indirectly is compared with the address obtained by the client property certificate directly, and the authenticity of the data provided by the client is cross verified to determine the authenticity of the data.

S104, obtaining second photo information of the house at the decoration middle period or at the decoration end of the home decoration staging service to be applied;

illustratively, the second photo information of the house can be obtained again in the middle period of house decoration or after the end of the house decoration, and the address of the house in the middle period of the house decoration or after the end of the house decoration can be further determined by obtaining the photo information in the middle period of the house decoration or after the end of the house decoration, so that the comparison can be performed later, and the accuracy of the information can be further ensured.

Step S105, acquiring second address information corresponding to the second photo information based on the second photo information;

similarly, the second address information corresponding to the second photo information may be obtained by referring to the method in step S102, and details of the embodiment of the disclosure are not repeated herein.

In an optional embodiment, the first photo information and/or the second photo information includes at least two photos, and the method further includes:

In practical application, the home decoration staging service may include at least two nodes, which are a home decoration staging service application node and a decoration middle-stage or decoration end node, and by acquiring corresponding photo information at the two nodes, the decoration progress can be effectively tracked, and whether the decoration condition is abnormal or not can be judged.

In addition, the photo uploading reminding information can be sent to the home decoration staging user to be applied according to the preset period and the node information of the home decoration staging service. The preset period may include a time interval of 2 months from the last time of sending the photo upload reminder information, it should be noted that the preset period including 2 months is only an exemplary description, and the specific time of the preset period is not limited in the embodiment of the present disclosure.

Through reminding the user according to the preset period, the user can be guaranteed to upload corresponding photos in time, the number of the photos can be guaranteed, the photos are used for comparing addresses and performing subsequent analysis, information such as decoration progress can be determined through the photos, a judgment basis is provided for home decoration loan application, and effective home decoration loan monitoring is achieved.

Step S106, comparing the first address information with the second address information to obtain a second comparison result;

illustratively, the information provided by the customer home decoration staging service application can be further verified and verified by comparing addresses in the photo information of the house twice, so that a monitoring means is provided for the home decoration staging service.

And S107, determining the authenticity of the user for applying for the home decoration staging business data according to the first comparison result and the second comparison result.

In an alternative embodiment of the method according to the invention,

judging the authenticity of the user for applying for home decoration staging business data in a credit granting stage according to the first comparison result;

In an alternative embodiment of the method according to the invention,

if the first comparison result is inconsistent and/or the second comparison result is inconsistent, determining that the data of the home decoration staging service applied by the user is not real;

and if the first comparison result and the second comparison result are consistent, determining that the service data of the user for applying for home decoration staging is true.

In the trust stage, whether the information provided by the home decoration staging client is real or not can be judged according to the first comparison result; in the monitoring stage, the information provided in the customer credit authorization stage of the home decoration can be further verified and verified according to the second comparison result, and whether the customer is in real decoration can be verified.

The method provides an effective method for verifying the authenticity of the client data and whether the home decoration service is really used for decoration through the judgment.