阅读说明：本技术 一种信贷业务数据处理方法和相关装置 (Credit service data processing method and related device ) 是由 郭峰 王雨露 郝海圣 于 2021-09-27 设计创作，主要内容包括：本申请公开了一种信贷业务数据处理方法和相关装置,在第一终端设备与第二终端设备建立视频通话连接的状态下,开启第一终端设备的第一摄像头和第二摄像头,通过第一摄像头采集用户的人脸视频,通过第二摄像头采集用户的信贷业务视频,其中,信贷业务视频中包括用户所处的环境图像和证明信息图像,将人脸视频和信贷业务视频发送给第二终端设备,以便在确定环境图像和人脸视频中没有包括其他用户后,根据人脸视频和证明信息图像完成信贷业务。由此,通过第一摄像头和第二摄像头分别采集不同的信息,不仅可以避免用户手动切换摄像头,降低用户的操作复杂度,还可以提高远程客服人员的审核速度,降低后续用户的等待时间,进而提高用户的体验感。(The application discloses a credit business data processing method and a related device, wherein in the state that a first terminal device and a second terminal device establish video call connection, a first camera and a second camera of the first terminal device are started, a face video of a user is collected through the first camera, a credit business video of the user is collected through the second camera, wherein the credit business video comprises an environment image where the user is located and a certification information image, and the face video and the credit business video are sent to the second terminal device, so that the credit business is completed according to the face video and the certification information image after the environment image and the face video are determined not to comprise other users. Therefore, different information is collected through the first camera and the second camera respectively, the fact that a user manually switches the cameras can be avoided, operation complexity of the user is reduced, auditing speed of remote customer service personnel can be increased, waiting time of follow-up users is shortened, and experience of the user is improved.)

1. A credit service data processing method is characterized in that a first terminal device comprises a first camera and a second camera, and the method comprises the following steps:

starting the first camera and the second camera in a state of establishing video call connection with second terminal equipment;

acquiring a face video of a user through the first camera, and acquiring a credit service video of the user through the second camera, wherein the credit service video comprises an environment image and a certification information image where the user is located;

and sending the face video and the credit business video to the second terminal equipment so that the second terminal equipment can respond to the situation that other users are not included in the environment image and the face video and finish credit business according to the face video and the certification information image.

2. The method of claim 1, wherein the turning on the second camera comprises:

if the voice keyword is identified in the video call process, starting the second camera; alternatively, the first and second electrodes may be,

and starting the second camera according to the starting instruction sent by the second terminal equipment.

3. The method of claim 1, further comprising:

and in the video call process, if the environment image and/or the face video are identified to include the other users, sending a prompt that the current credit business has risks.

4. The method of claim 1, further comprising:

and after receiving the audio and video sent by the second terminal equipment, if the user does not act within the preset time according to the face video, sending a prompt that the current credit business has risks.

5. The method of claim 1, further comprising:

splicing the face video and the credit business video, and sending the spliced face video and credit business video to a server for storage; alternatively, the first and second electrodes may be,

and respectively sending the face video and the credit business video to the server for storage.

6. The method of claim 1, further comprising:

and in the video call process, randomly acquiring a video frame in the face video, and sending a prompt that the risk exists in the current credit service if the user in the video frame changes.

7. The method of any of claims 1-6, wherein the first camera is a front-facing camera and the second camera is a rear-facing camera.

8. A credit service data processing apparatus, wherein the apparatus is in a first terminal device comprising a first camera and a second camera, the apparatus comprising: the device comprises a starting unit, a collecting unit and a sending unit;

the starting unit is used for starting the first camera and the second camera in a state of establishing video call connection with second terminal equipment;

the acquisition unit is used for acquiring a face video of a user through the first camera and acquiring a credit service video of the user through the second camera, wherein the credit service video comprises an environment image and a certification information image where the user is located;

the sending unit is used for sending the face video and the credit business video to the second terminal device, so that the second terminal device responds to the situation that other users are not included in the environment image and the face video, and credit business is completed according to the face video and the certification information image.

9. A computer device, the device comprising a processor and a memory:

the memory is used for storing program codes and transmitting the program codes to the processor;

the processor is configured to perform the method of any of claims 1-7 according to instructions in the program code.

10. A computer-readable storage medium, characterized in that the computer-readable storage medium is used to store a computer program for performing the method of any one of claims 1-7.

Technical Field

The invention relates to the technical field of data processing, in particular to a credit business data processing method and a related device.

Background

The credit business is an important asset business of commercial banks, which recovers principal and interest through paying and obtains profits after deducting cost, and the business is rapidly developed by means of the mobile internet technology.

In the related technology, a user can initiate video connection with a remote customer service staff through terminal equipment such as a smart phone, the remote customer service staff inquires information required by credit businesses such as loan and credit of the user on line, the user answers, and after the answer is completed, the auditing process is finished.

However, in the above manner, the number of manual operations required by the user is large, which may cause the user to be busy and troubled in the auditing process, and if the previous user has too long auditing time, the waiting time of the next user is long, which may further cause the user experience to be poor.

Disclosure of Invention

In order to solve the above problems, the present application provides a credit service data processing method and a related apparatus, which are used for improving the experience of a user.

Based on this, the embodiment of the application discloses the following technical scheme:

in one aspect, an embodiment of the present application provides a credit service data processing method, where a first terminal device includes a first camera and a second camera, and the method includes:

starting the first camera and the second camera in a state of establishing video call connection with second terminal equipment;

acquiring a face video of a user through the first camera, and acquiring a credit service video of the user through the second camera, wherein the credit service video comprises an environment image and a certification information image where the user is located;

and sending the face video and the credit business video to the second terminal equipment so that the second terminal equipment can respond to the situation that other users are not included in the environment image and the face video and finish credit business according to the face video and the certification information image.

Optionally, the turning on the second camera includes:

if the voice keyword is identified in the video call process, starting the second camera; alternatively, the first and second electrodes may be,

and starting the second camera according to the starting instruction sent by the second terminal equipment.

Optionally, the method further includes:

and in the video call process, if the environment image and/or the face video are identified to include the other users, sending a prompt that the current credit business has risks.

Optionally, the method further includes:

and after receiving the audio and video sent by the second terminal equipment, if the user does not act within the preset time according to the face video, sending a prompt that the current credit business has risks.

Optionally, the method further includes:

splicing the face video and the credit business video, and sending the spliced face video and credit business video to a server for storage; alternatively, the first and second electrodes may be,

and respectively sending the face video and the credit business video to the server for storage.

Optionally, the method further includes:

and in the video call process, randomly acquiring a video frame in the face video, and sending a prompt that the risk exists in the current credit service if the user in the video frame changes.

Optionally, the first camera is a front camera, and the second camera is a rear camera.

In another aspect, an embodiment of the present application provides a credit service data processing apparatus, where the apparatus is in a first terminal device including a first camera and a second camera, and the apparatus includes: the device comprises a starting unit, a collecting unit and a sending unit;

the starting unit is used for starting the first camera and the second camera in a state of establishing video call connection with second terminal equipment;

the acquisition unit is used for acquiring a face video of a user through the first camera and acquiring a credit service video of the user through the second camera, wherein the credit service video comprises an environment image and a certification information image where the user is located;

the sending unit is used for sending the face video and the credit business video to the second terminal device, so that the second terminal device responds to the situation that other users are not included in the environment image and the face video, and credit business is completed according to the face video and the certification information image.

In another aspect, the present application provides a computer device comprising a processor and a memory:

the memory is used for storing program codes and transmitting the program codes to the processor;

the processor is configured to perform the method of the above aspect according to instructions in the program code.

In another aspect the present application provides a computer readable storage medium for storing a computer program for performing the method of the above aspect.

Compared with the prior art, the technical scheme of the application has the advantages that:

the method comprises the steps that under the condition that a video call connection is established between first terminal equipment and second terminal equipment, a first camera and a second camera of the first terminal equipment are started, a face video of a user is collected through the first camera, a credit business video of the user is collected through the second camera, wherein the credit business video comprises an environment image where the user is located and a certification information image, the face video and the credit business video are sent to the second terminal equipment, and therefore credit business is completed according to the face video and the certification information image after the fact that no other users are included in the environment image and the face video is determined. Therefore, different information is collected through the first camera and the second camera respectively, the fact that a user manually switches the cameras can be avoided, operation complexity of the user is reduced, auditing speed of remote customer service personnel can be improved, waiting time of subsequent users is reduced, credit business is completed under the condition that the environment where the user is located does not include other users, the possibility that the user is cheated can be reduced, and experience of the user is improved.

Drawings

In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.

FIG. 1 is a flow chart of a credit business data processing method provided by the present application;

FIG. 2 is a schematic diagram of a credit service data processing apparatus provided herein;

fig. 3 is a block diagram of a computer device according to an embodiment of the present disclosure.

Detailed Description

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

With the development of internet technology, a user can complete credit business on line through terminal devices such as a smart phone and a desktop computer, specifically, the user initiates video connection with a remote customer service staff, the remote customer service staff inquires information required by credit business such as user loan and credit extension on line, the user answers, and after the answer is completed, an auditing process is finished.

During the video call between the user and the remote customer service personnel, the following problems may occur: first, what the user generally opened is the leading camera of smart mobile phone, if long-range customer service personnel want to look over the user provide like when proving information such as ID card, house property card, the user needs to be manual to switch into leading camera to the rear camera, shoots proving information image through the rear camera. Secondly, the user may need to switch the front-mounted camera and the rear-mounted camera continuously, the operation is complex, and in the process of switching the front-mounted camera and the rear-mounted camera to shoot video images, the video can be displayed as a short black screen. Thirdly, the above process may cause the user to be in a busy state, and the operation is not easy, so that the remote customer service staff can check the credit service of one user for a long time, and the waiting time of the next user is long. Fourth, the user may be cheated or operated by a blackout guide during the credit business, resulting in cheating of the user. In summary, the credit service data processing method in the related art may result in poor experience of the user.

Based on this, an embodiment of the present application provides a credit service data processing method, where in a state where a first terminal device and a second terminal device establish a video call connection, a first camera and a second camera of the first terminal device are started, a face video of a user is acquired by the first camera, and a credit service video of the user is acquired by the second camera, where the credit service video includes an environment image where the user is located and a certification information image, and the face video and the credit service video are sent to the second terminal device, so that a credit service is completed according to the face video and the certification information image after it is determined that no other user is included in the environment image and the face video. Therefore, different information is collected through the first camera and the second camera respectively, the fact that a user manually switches the cameras can be avoided, operation complexity of the user is reduced, auditing speed of remote customer service personnel can be improved, waiting time of subsequent users is reduced, credit business is completed under the condition that the environment where the user is located does not include other users, the possibility that the user is cheated can be reduced, and experience of the user is improved.

The credit service data processing method provided by the embodiment of the application is applied to a first terminal device, and the first terminal device may be a smart phone, a tablet computer, a desktop computer, or the like, which is not specifically limited in this application. The first terminal device includes at least two cameras, and taking the first camera and the second camera as an example, the shooting ranges of the first camera and the second camera do not completely coincide, or the shooting ranges of the first camera and the second camera may partially coincide or completely do not coincide. For example, when the first terminal device is a smart phone, the first camera is a front camera, and the second camera is a rear camera, so that the two cameras can shoot a wider range, and the accuracy of determining whether other users exist around the user based on the environment image and the face video is improved.

The credit service data processing method provided by the embodiment of the present application is described below with reference to fig. 1. Referring to fig. 1, which is a flowchart of a credit service data processing method provided by the present application, the method may include the following steps 101-103.

S101: and starting the first camera and the second camera in a state of establishing video call connection with the second terminal equipment.

After the first terminal equipment initiates a video call aiming at the credit business, the remote customer service answers through the second terminal equipment, the first terminal equipment establishes a video call connection with the second terminal equipment, and when the first terminal equipment and the second terminal equipment establish the video call connection, the first terminal equipment starts the first camera and the second camera.

The opening time of the first camera is not specifically limited in the embodiment of the application, for example, the first camera may be opened when the first terminal device initiates a video call, or a user may establish a video call connection between the first terminal device and the second terminal device after opening the first camera.

The embodiment of the present application does not specifically limit the turn-on timing of the second camera, and two ways are taken as examples for the following description.

The first method is as follows: in the process of video call between the first terminal device and the second terminal device, the first terminal device identifies the audio from the second terminal device, and if the voice keyword is identified in the audio, the second camera is started.

The content of the voice keyword is not specifically limited in the embodiment of the application, and technical personnel in the field can set according to actual needs, such as 'starting a camera', 'shooting identity card information', 'shooting house property card information' and the like.

The second method comprises the following steps: in the process of video call between the first terminal device and the second terminal device, the second terminal device can send a starting instruction to the first terminal device, and the first terminal device starts the second camera according to the starting instruction. For example, the remote customer service staff sends a starting instruction to the first terminal device by triggering a control for starting the second camera in a webpage of the second terminal device.

S102: the method comprises the steps of collecting a face video of a user through a first camera, and collecting a credit business video of the user through a second camera.

After the first camera and the second camera are both opened, the face video of the user can be collected through the first camera, and the credit business video of the user can be collected through the second camera. The credit business video comprises an environment image where the user is located and a certification information image, wherein the certification information is related information used for certifying that the user can credit, such as an identity card, a real estate certificate and the like.

Therefore, the shooting range of the first camera and the shooting range of the second camera are not completely overlapped, and compared with the environment where the user is located and represented by the face video shot by the first camera, the environment where the user is located and shot by the first camera and the second camera are wider in range, the recognition success rate of guiding the user near the user by cheating and lending or black birth can be further improved, the reliability of online credit business is improved, and the money loss of the user is avoided.

Meanwhile, if remote customer service staff want to check the identification information provided by the user, such as an identity card, a house property card and the like, the user does not need to manually switch the front camera to the rear camera, but collects the face video of the user through the first camera, collects the credit service video of the user through the second camera, the two cameras work in a cooperative manner, the manual switching of the user is not needed, the complex operation degree of the user is reduced, the problem of black screen of the first terminal device is avoided, meanwhile, the speed of collecting the credit service video by the first terminal device is increased, the remote customer service staff can conveniently and quickly check, the waiting time of other users is shortened, and the experience of the user is improved.

S103: and sending the face video and the credit business video to the second terminal equipment so that the second terminal equipment can respond to the fact that other users are not included in the environment image and the face video and complete the credit business according to the face video and the certification information image.

And sending the face video acquired by the first camera and the credit business video acquired by the second camera to the second terminal equipment. After the second terminal device receives the face video and the credit service video, if the face video and the environment image do not include other users, the probability that a deception loan or a dark birth guides the user nearby the user is low, and the credit service can be completed according to the face video and the certification information image.

If the face video and/or the environment image includes other users, for example, other users except the user are identified in the environment image and/or the face video through an image identification technology, especially for the adult credit service, the possibility that the user will not go online to perform the credit service is small, or the possibility that the user needs to ask for help is small, and the other users may be black births to a large extent, at this time, the first terminal device may issue a prompt, for example, display a text on a screen or issue a voice warning light, so that the user knows that the current credit service is risky, and/or the second terminal device may also issue a prompt so that the remote servicer knows that the current credit service is risky.

According to the technical scheme, in the state that the first terminal device and the second terminal device are in video call connection, the first camera and the second camera of the first terminal device are started, the face video of the user is collected through the first camera, the credit business video of the user is collected through the second camera, the credit business video comprises an environment image where the user is located and a certification information image, the face video and the credit business video are sent to the second terminal device, and therefore credit business is completed according to the face video and the certification information image after the fact that no other user is included in the environment image and the face video is determined. Therefore, different information is collected through the first camera and the second camera respectively, the fact that a user manually switches the cameras can be avoided, operation complexity of the user is reduced, auditing speed of remote customer service personnel can be improved, waiting time of subsequent users is reduced, credit business is completed under the condition that the environment where the user is located does not include other users, the possibility that the user is cheated can be reduced, and experience of the user is improved.

As a possible implementation manner, it may be determined whether the current credit service of the user is risky by identifying whether other users exist around the user, or by determining whether the user responds within a preset time after the second terminal device transmits audio and video (audio and video). Specifically, if the user does not respond within the preset time, that is, the user is determined to have no action within the preset time according to the face video, the possibility that the user waits for a black birth to give guidance is high, and a prompt can be sent at the moment so that the user or a remote customer service staff can know that the current credit business has risks.

As a possible implementation manner, the first terminal device may splice the face video acquired by the first camera and the credit service video acquired by the second camera together, and send the spliced face video and credit service video to the server for storage by the server, and at this time, the video acquired by the first terminal device may be stored by using a smaller memory.

Or, the first terminal device can send the face video acquired by the first camera and the credit business video acquired by the second camera to the server respectively, so that the video of the user in the credit business process can be stored clearly and can be used as a business record, and the follow-up backtracking can be facilitated.

As a possible implementation manner, in the process of video call, in the video in the face video, randomly acquiring, and if the user in the video frame changes, sending a prompt that the current service has a risk so that the user and/or the later remote customer service staff can know the risk.

In order to make the technical solution provided by the embodiment of the present application clearer, a credit service data processing method provided by the embodiment of the present application is described below with an example.

S1: and clicking the first terminal equipment by the user, and initiating an instruction for establishing video call connection with the second terminal equipment by the first terminal equipment to the server.

S2: the server sends the instruction to the second terminal device, the remote customer service personnel answer the video call through the second terminal device, and at the moment, the first terminal device and the second terminal device establish video call connection.

S3: the first terminal equipment starts the first camera and the second camera, the first camera collects face videos, the second camera collects credit business videos, and the face videos and the credit business videos are sent to the server.

For example, when the first terminal device is a smartphone, the first camera is a front-facing camera, and the second camera is a rear-facing camera, for a smartphone whose operating system is IOS, and the system version is IOS 13 or more, and the hardware device is iphone11 or more, the front-facing camera and the rear-facing camera can be simultaneously turned on by the avcapturemuticams scheme. For a smartphone with an android operating system, the system version is android9.0 or above, no special hardware requirement exists, and the Camera 2 API support for multi-camera equipment is introduced through a new logical camera equipment (consisting of two or more physical camera equipment pointing to the same direction). The logical camera device is provided to the application in the form of a single camera device/CaptureSession, allowing interaction with HAL-integrated multi-camera functionality. The application can select to access and control the underlying physical camera information flow, metadata and controls, while opening the front-facing and rear-facing cameras.

S4: and the server sends the face video and the credit business video to the second terminal equipment so as to be convenient for remote customer service personnel to check.

S5: the remote customer service personnel check the user identity card and whether other users exist beside the user through the second terminal equipment, and can also send problem audio and the like to the server through the second terminal equipment.

S6: the server sends the question audio to the first terminal equipment so that the user can respond.

S7: and the first terminal equipment sends the collected face video and credit business video to a server so as to be stored by the server.

In addition to the credit service data processing method provided in the embodiment of the present application, a credit service data processing apparatus is further provided, where the apparatus is in a first terminal device including a first camera and a second camera, as shown in fig. 2, the apparatus includes: the system comprises a starting unit 201, a collecting unit 202 and a sending unit 203;

the starting unit 201 is configured to start the first camera and the second camera in a state where a video call connection is established with a second terminal device;

the acquisition unit 202 is configured to acquire a face video of a user through the first camera, and acquire a credit service video of the user through the second camera, where the credit service video includes an environment image where the user is located and a certification information image;

the sending unit 203 is configured to send the face video and the credit service video to the second terminal device, so that the second terminal device completes a credit service according to the face video and the certification information image in response to determining that no other user is included in the environment image and the face video.

As a possible implementation manner, the starting unit 201 is configured to:

if the voice keyword is identified in the video call process, starting the second camera; alternatively, the first and second electrodes may be,

and starting the second camera according to the starting instruction sent by the second terminal equipment.

As a possible implementation manner, the apparatus further includes a prompting unit, configured to:

and in the video call process, if the environment image and/or the face video are identified to include the other users, sending a prompt that the current credit business has risks.

As a possible implementation manner, the apparatus further includes a prompting unit, configured to:

and after receiving the audio and video sent by the second terminal equipment, if the user does not act within the preset time according to the face video, sending a prompt that the current credit business has risks.

As a possible implementation manner, the sending unit 203 is configured to:

splicing the face video and the credit business video, and sending the spliced face video and credit business video to a server for storage; alternatively, the first and second electrodes may be,

and respectively sending the face video and the credit business video to the server for storage.

As a possible implementation manner, the apparatus further includes a prompting unit, configured to:

and in the video call process, randomly acquiring a video frame in the face video, and sending a prompt that the risk exists in the current credit service if the user in the video frame changes.

As a possible implementation manner, the first camera is a front camera, and the second camera is a rear camera.

According to the technical scheme, in the state that the first terminal device and the second terminal device are in video call connection, the first camera and the second camera of the first terminal device are started, the face video of the user is collected through the first camera, the credit business video of the user is collected through the second camera, the credit business video comprises an environment image where the user is located and a certification information image, the face video and the credit business video are sent to the second terminal device, and therefore credit business is completed according to the face video and the certification information image after the fact that no other user is included in the environment image and the face video is determined. Therefore, different information is collected through the first camera and the second camera respectively, the fact that a user manually switches the cameras can be avoided, operation complexity of the user is reduced, auditing speed of remote customer service personnel can be improved, waiting time of subsequent users is reduced, credit business is completed under the condition that the environment where the user is located does not include other users, the possibility that the user is cheated can be reduced, and experience of the user is improved.

An embodiment of the present application further provides a computer device, referring to fig. 3, which shows a structural diagram of a computer device provided in an embodiment of the present application, and as shown in fig. 3, the device includes a processor 310 and a memory 320:

the memory 310 is used for storing program codes and transmitting the program codes to the processor;

the processor 320 is used for executing any credit business data processing method provided by the above embodiment according to the instructions in the program codes.

The embodiment of the application provides a computer-readable storage medium, which is used for storing a computer program, and the computer program is used for executing any credit business data processing method provided by the embodiment.

The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, for the apparatus embodiment, since it is substantially similar to the method embodiment, it is relatively simple to describe, and reference may be made to some descriptions of the method embodiment for relevant points. The above-described apparatus embodiments are merely illustrative, and the units and modules described as separate components may or may not be physically separate. In addition, some or all of the units and modules may be selected according to actual needs to achieve the purpose of the solution of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.

The foregoing is directed to embodiments of the present application and it is noted that numerous modifications and adaptations may be made by those skilled in the art without departing from the principles of the present application and are intended to be within the scope of the present application.