CN113506018A - Online job processing method, device and system - Google Patents
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Abstract
The invention discloses an online operation processing method, device and system, relating to the field of artificial intelligence, wherein the method comprises the following steps: receiving a client online operation request; generating an online operation process according to the online operation request, wherein the online operation process comprises the following steps: video surface examination; responding to a triggered video face auditing process, acquiring a client face image, and executing face recognition operation according to the client face image; responding to the success of the face recognition operation, acquiring audio and video data in a face examination process, and executing anti-fraud analysis operation according to the audio and video data; and executing the online operation flow according to the anti-fraud analysis result. By the method and the device, the operation auditing process handling efficiency can be improved.
Description
Technical Field
The invention relates to the field of artificial intelligence, in particular to an online operation processing method, device and system.
Background
At present, the online small-scale financing business realizes online examination of simpler links such as loan application and the like, but the link with more complex examination and verification still carries out the online development work.
The offline flow has higher cost and longer time consumption, gradually shows limitations in practical application, cannot fully meet the requirement of the rapid development of online small micro financing business, and is mainly embodied in the following two aspects: firstly, the traditional service mode has low efficiency, cannot fully cover the requirements of long-tail customers, and the service handling efficiency of the offline flow is difficult to adapt to the characteristics of small micro financing amount and large number of strokes; secondly, business personnel pursue a single business benefit, so that service resource distribution is uneven, and in order to improve work benefit, business personnel can preferentially handle business for customers with large financing amount, so that service resources incline to large-amount customers, and experience of small-amount customers is poor.
Disclosure of Invention
Accordingly, the present invention is directed to a method, an apparatus, and a system for processing online jobs, which solve at least one of the above problems.
According to a first aspect of the present invention, there is provided an inline-job processing method, the method comprising:
receiving a client online operation request;
generating an online operation process according to the online operation request, wherein the online operation process comprises the following steps: video surface examination;
responding to a triggered video face auditing process, acquiring a client face image, and executing face recognition operation according to the client face image;
responding to the success of the face recognition operation, acquiring audio and video data in a face examination process, and executing anti-fraud analysis operation according to the audio and video data;
and executing the online operation flow according to the anti-fraud analysis result.
According to a second aspect of the present invention, there is provided an inline-job processing apparatus including:
a job request receiving unit for receiving an online job request of a client;
an operation flow generation unit, configured to generate an online operation flow according to the online operation request, where the online operation flow includes: video surface examination;
the face image acquisition unit is used for responding to the triggering video face examination process and acquiring a face image of a client;
the face recognition unit is used for executing face recognition operation according to the face image of the client;
the audio and video data acquisition unit is used for responding to the success of the face recognition operation and acquiring audio and video data in the face examination process;
the anti-fraud analysis unit is used for executing anti-fraud analysis operation according to the audio and video data;
and the operation flow executing unit is used for executing the online operation flow according to the anti-fraud analysis result.
According to a third aspect of the present invention, there is provided an inline-job processing system, the system comprising: the online job processing apparatus and the client terminal are provided.
According to a fourth aspect of the present invention, there is provided an electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the above method when executing the program.
According to a fifth aspect of the invention, a computer-readable storage medium is provided, on which a computer program is stored which, when being executed by a processor, carries out the steps of the above-mentioned method.
According to the technical scheme, the online operation process is generated according to the received client online operation request, the client face image is obtained in response to the triggering of the video face auditing process, the face recognition operation is executed according to the client face image, the audio and video data in the face auditing process are obtained when the face recognition operation is successful, the anti-fraud analysis operation is executed according to the audio and video data, and the online operation process is executed according to the anti-fraud analysis result.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
FIG. 1 is a flow chart of a method of processing an online job according to an embodiment of the present invention;
FIG. 2 is a face-scan video flow diagram according to an embodiment of the invention;
FIG. 3 is a block diagram of an inline job processing system according to an embodiment of the present invention;
fig. 4 is a block diagram of the structure of the inline job processing apparatus 1 according to the embodiment of the present invention;
fig. 5 is a schematic block diagram of a system configuration of an electronic apparatus 600 according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. 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 invention.
The embodiment of the invention provides an online operation processing scheme, which applies technologies such as face recognition and anti-fraud analysis to realize online video interaction between auditors and clients and improve the auditing process handling efficiency. Embodiments of the present invention are described in detail below with reference to the accompanying drawings.
Fig. 1 is a flowchart of an online job processing method according to an embodiment of the present invention, as shown in fig. 1, the method including:
102, generating an online operation flow according to the online operation request, wherein the online operation flow comprises: and (6) performing video surface examination.
And 103, responding to the triggered video surface inspection process, acquiring a client face image, and executing face recognition operation according to the client face image.
Specifically, a face recognition operation may be performed on the client face image based on a biometric recognition technique and pre-stored face reference information.
The biometric technology may be related to existing technologies, and may be implemented to recognize a human face, which is not limited by the present invention.
And 104, responding to the success of the face recognition operation, acquiring audio and video data in a face examination process, and executing anti-fraud analysis operation according to the audio and video data.
Specifically, a micro-expression analysis operation may be performed on a face image of a client in the audio/video data based on a biometric identification technology; and then, performing anti-fraud analysis operation according to the micro-expression analysis result.
And 105, executing the online work flow according to the anti-fraud analysis result.
The biometric feature recognition technology can adopt the existing related technology, and the micro-expression analysis of the human face can be realized, which is not limited by the invention.
The online operation process is generated according to the received client online operation request, the client face image is obtained in response to the triggered video face audit process, the face recognition operation is executed according to the client face image, when the face recognition operation is successful, the audio and video data in the face audit process are obtained, the anti-fraud analysis operation is executed according to the audio and video data, and then the online operation process is executed according to the anti-fraud analysis result.
In one embodiment, an event number for identifying the online work flow may be generated according to the online work request, and the event number may be stored together with audio/video data in the review flow to identify the work.
Preferably, in order to further avoid the fraud risk, a voiceprint recognition operation may be performed on the audio data in the audio and video data based on a voiceprint recognition technology and a preset client voiceprint library. The voiceprint recognition technology may adopt the existing related technology, and may be implemented to perform voiceprint recognition on the audio data, which is not limited by the present invention.
In a specific implementation process, the audio and video data further includes: the question answering information can be subjected to voice recognition operation according to a voice recognition technology, and then the voice recognition result is analyzed based on preset voice operation data. Therefore, the client question and answer information can be efficiently analyzed, and the fraud risk can be further avoided.
For the operation process with the requirement of the face examination position, after the video face examination process is triggered, the video terminal can be positioned, and the current position of the client is determined according to the positioning operation result.
In actual operation, the online operation flow also needs client data, at this time, the data submitted from the client terminal can be received, the online operation flow of the client is comprehensively checked by combining the data, the face recognition result, the anti-fraud analysis result, the voiceprint recognition result, the voice recognition result and the like, and the online operation flow is completed after the checking is passed.
For better understanding of the present invention, the following describes the embodiments of the present invention in detail by taking the online micro financing service as an example.
In the example, the aim of realizing the whole-flow non-contact handling of the online small micro financing service is fulfilled, firstly, the video 'leaving home' is realized, the mobile phone bank is used as a client, the online video interaction between business personnel and borrowers (namely clients) is realized, and the verification and confirmation efficiency of the online small micro financing service is improved; and secondly, applying a new technology to assist business personnel in risk judgment. In the process of a non-contact service mode, new technologies such as face recognition, voiceprint recognition, micro-expression judgment and the like are applied to assist business personnel in determining the identity of a client and reading deep information, so that the integration of Artificial judgment and AI (Artificial Intelligence) judgment is realized. Therefore, the law enforcement credit business 'non-contact' mode transaction is realized, and the transaction efficiency is improved.
Specifically, the method comprises the following steps: the method comprises the steps that a client (for example, an actual enterprise controller/legal representative) completes a whole remote verification process through mobile phone banking operation, the client receives a prompt after entering the remote verification process, the mobile phone banking checks and sees a pre-granted credit limit, the operations such as supplementary information, credit investigation authorization and video surface audit are completed, finally, a remote auditor (namely, a worker) completes verification of data information in the background, the verification opinion is submitted, the invalidation/validation of the process is realized, and the valid client in the process can be added into a white list, wherein the white list is a client list meeting various regulations of the process.
The process may specifically include two major parts: (1) confirmation information, (2) supplementary information material and video interview, which are described in detail below.
(one) confirmation information
For a white list of legal persons in a state to be investigated, sending short messages in batches on the same day after the white list is transferred into a remote examination, reminding a client (namely, a legal representative or an authenticated shareholder) that the enterprise has obtained a bank preliminary credit, submitting data and applying for a bank loan, clicking a video interview menu by the client according to a prompt, displaying a remote examination mode handling process in a progress bar form by the menu, and defaulting to an actual controller of the enterprise for 100 percent of shareholders, wherein the display progress bar is enterprise authentication → basic information filling → uploading data → video interview → examination, and the enterprise authentication step defaults to be completed.
(II) supplementary information data and video interview
The customer carries out supplementary information data in the video interview menu of the mobile phone bank to complete video verification. The opened bank personal mobile phone bank is a precondition, meanwhile, the video interview menu can be processed in a progress bar display in the case that the video interview menu is not the same as a sponsor, and the progress bar seen by the real control person of the non-same person is processed by the color of the sponsor. The supplemental information and material portion and the video surface session and verification processing portion are described below, respectively.
1. Supplementary information and data
For the white list of the legal person to be checked, after the white list is transferred into the remote check, short messages are sent in batch on the same day to remind the enterprise to which the client belongs to obtain the bank preliminary pre-approval credit, the client (such as a legal representative) can submit data to apply for the bank loan, the client clicks a 'video interview' menu according to the prompt, the menu displays the handling process of the remote check mode in a progress bar mode, and an 'immediate application' button is provided.
After the data is filled in, basic information can be selected to inquire an authorization book for use, and the signature verification can be completed through short message signature verification and handwritten electronic signature. If the generated application instruction does not reach the final state within a preset time (for example, 7 days), the instruction is invalidated, and a revocation reminding short message is sent to the client.
And displaying the corresponding required uploaded data on the uploaded data page according to the information filled in by the supplementary information page. Presenting the uploadable bill of materials to the guest includes: business license, identity document, spouse identity document, marriage certificate, enterprise tax declaration form (if any), special industry operation license (if any), etc.
After clicking the submit button, the popup reminds the client to confirm the submitted information and the data, and the reminding content can be 'please ensure that the data is real and effective, and can not be modified once submitted'. Clicking cancel can continue to upload or modify the uploaded data.
After the click submission, the credit investigation result of the client is called according to the data, and the system verification is carried out. If the verification fails, entering a warm prompt page, wherein the prompt content can be ' apology very ', and the enterprise preauthorized credit limit fails to pass the bank audit according to the bank credit policy and is respected to expect '. If the credit investigation passes the verification, the submission of the customer information and the data is successfully completed, and the information filled by the customer and the uploaded data are synchronously updated in the remote verification service account.
2. Video surface session verification process
And after the data uploading is finished, entering a video interview initiating page. The mobile banking page of the client terminal can prompt that' according to the banking requirements, bank staff need to conduct video interview for you, and the interview time is XX today: XX-XX: XX to XX (day 7 of signing credit authorization): XX-XX: XX, and it must be done in business XXX company business place, if you are ready to talk, please click to talk immediately; if not, the user can say it after clicking. The video interview time can be controlled by the setting of the remote auditing background about the service time parameter, and can be distributed according to the current ready remote verifier queue after the client clicks to interview immediately. For a customer who clicks ' interview at an instant ' in service time which is not set by a system, a pop-up window on a page of a mobile phone bank prompts that ' according to bank requirements, a bank worker needs to conduct video interview on you, and the interview time is XX every day: XX-XX: XX, and must be completed at the business XXX company's place of business. At the current non-service time, please in XX: XX-XX: initiate an interview between XX ". Referring to the flow shown in fig. 2, if the current working time is the working time, whether the client location can be obtained or not can be continuously inquired, if the location cannot be obtained, the client is reminded to open the location access right, please open the mobile phone bank location service, the geographic location of the client is obtained, and then the client enters the face recognition reminding page, the user prompts that the user agrees to authorize the bank to collect, use and store the image information of the face of the user for the identity verification and the evidence storage of the video survey on the loan line of the user, the client enters the face recognition page after confirmation, and the face recognition is prompted by a rear mask popup window: and the user enters a remote video call prompt page after passing the face identification authentication, clicks by the user to be ready, and starts to connect the line, the background of the page is the video of the user, the prompt page is returned if the user clicks to be cancelled, and the user is distributed to a remote verifier terminal according to queuing and the ready time of the remote verifier if the user clicks to continue.
In practice, the system will assign the video immediately after the customer clicks, based on how busy the remote verifier (i.e., the staff member) is.
The remote verification end comprises a service processing menu, two submenus which are to be processed by the user and processed by the user are arranged under the menu, a worker clicks the user to be processed, inputs an inquiry item, and can check a white list (including a personal white list and a legal white list) to be remotely verified which is distributed to the user by a system and is not finished to be verified, wherein the service type is that after the corresponding white list is clicked by a necessary inquiry item, white list account information is expanded and comprises three TAB (list) pages of 'white list basic information', 'image data' and 'video'. The video TAB page has three buttons of video creation, video access and reservation cancellation.
After the staff select the corresponding white list, if the access video in the video TAB page is clicked, the staff directly pops the window to enter the video picture and calls the video to the opposite side (i.e. the client). After the other party accesses, the two parties have video conversation, the worker asks the other party according to the question, and in the process, if the worker clicks 'end', the video is hung up. After the system is hung up, the verified person who is connected with the video secondary selection reservation can be clicked to carry out video call. The video popup window can be closed, restored and maximized. Meanwhile, under the condition that the client actively calls, the staff can click to directly jump to the video popup interface through the reminding of the workbench.
At a staff terminal, a video interface is divided into a video lens area, a client basic information area, a biological identification result area and a service question and answer area, wherein:
the video lens area displays the accessed customer lens and can be enlarged or reduced. The whole process of the video is automatically recorded, in the questioning process, the mute can be clicked to prevent work noise from being input, after the questioning is finished, a worker can click to finish, the video interface is closed, the video recording is finished, the video content is synchronously stored after the recording is finished, the corresponding video record is generated, and the corresponding video record can be checked after the video verification is finished in the service.
The client basic information area displays client information, and the content and the field are of the verified person: name, job title, certificate number, mobile phone number, married or not, spouse name (such as married), enterprise name, affiliated industry, recommended amount, operation address and the like.
The biological recognition result area displays a face recognition result, a voiceprint recognition result, a micro-expression recognition result and an address positioning result.
The business question-answering area displays question questions according to the type of the model, the industry of the model and whether the set dialect library is married, records corresponding answer results and marks whether the answer is abnormal.
After finishing the video surface examination, the staff clicks to close the video popup, namely, returns to the page to be processed, adds a 'video recording' TAB page to the page, and clicks to view the video recording. The identity of a verified person can be checked in the corresponding video record, the video record is divided into a plurality of sections according to question asking time, and the corresponding record of each question in the video verifiable process can be checked. The record elements contain a full video part: video start time, duration, verifier, number of abnormal records answered, face recognition result, voiceprint recognition result, and micro-expression fraud prevention evaluation result. And segmented recording results for a single problem record: the starting time, duration, whether the answer is abnormal or not, the micro-expression fraud prevention evaluation result and the like of the question.
After the staff completes the video verification, the staff can supplement the basic information field of the white list, check the image data and submit the processing opinion.
The staff can supplement and modify the white list basic information after examining the data and checking the recorded content of the video surface, and can click and store after the modification is completed. And after completing white list information supplement, data verification and personal risk judgment, the staff submits verification opinions. If clicking to deny, the white list is updated to the 'expired' state. If the returned supplementary data is clicked, the client can revise the submitted data, if before the returned supplementary data is clicked, the corresponding image list to be uploaded is selected and the client is submitted for supplementation, and the client can revise the submitted data and supplement the newly required image data. If the check is sent by clicking, the white list is updated to be in a state of checking and rechecking to be checked, and the staff working in the checking and rechecking menu can check the corresponding white list, check information, data and video and submit corresponding opinions. And the white list is validated after the rechecking agreement, and the white list is invalidated if the rechecking rejection is carried out, so that the offline verification can be returned.
The corresponding display field of the white list here may include: the system comprises a client code, a client name, an organization to which the client belongs, a service type, a model type, a white list state, a name of a person to be verified, the number of days to be verified, the name of a person to be verified and the number of days to be verified.
In actual operation, a worker can maintain the full-voice technology by setting a full-voice technology library maintenance menu, which mainly comprises the following steps: new additions, deletions, modifications, adjustments to the taxonomy, etc. of dialogs.
And after the face examination is finished, generating and storing video records, wherein the video records comprise a voiceprint recognition result, a micro expression recognition result and the like.
And (4) carrying out system verification and taking effect on the white list of the legal person who finishes the video surface examination and submits the verification opinions as agreement, so that the client can independently finish the operation of withdrawing and repaying.
In the video surface examination process, the operations of scene photograph acquisition and face recognition can be initiated through the video interaction service. The video interaction service can intercept the live shot of the client video stream through the digital media service platform component and then call the corresponding application service for identity recognition.
In one embodiment, identification may be accomplished by combining existing authentication services of different capabilities, such as:
(1) acquiring a reference photo according to the order of calling a customer information service to acquire trusted face features and citizen networking check;
(2) calling a face recognition service of biological feature recognition for recognition;
(3) for the condition that the reference picture cannot be acquired (for example, the video panel examination in the non-working period), the client cooperatively calls an authentication service provided by the network trusted identity authentication service to identify the identity of the client.
In addition, a survey analysis function may be embedded in the video interaction service. For example, the staff initiates a question with reference to the survey item, evaluates the client answer, performs fraud risk analysis by combining the analysis condition of the client micro-expression, and finally displays the analysis result to the staff. The specific process comprises the following steps:
1.1 when the business is initiated, the staff initiates an invitation for on-line business transaction to the client through channels such as mobile phone bank/short message, and the system generates a unique transaction event number and transmits the unique transaction event number to the mobile phone bank;
1.2 the customer initiates a video credit call through a mobile phone bank;
1.3 when the audio/video system receives the video communication connection request, establishing communication connection corresponding to the unique event number generated in the step 1.1 for the client and the staff through an audio/video Server;
1.4 the audio and video system establishes communication connection and then stores the unique event number + the client video file into the object storage service.
2, when a worker triggers an application for anti-fraud service for anti-fraud analysis, the system synchronously sends the unique event number to the anti-fraud service;
3.1 the anti-fraud service obtains a video file storage path from the audio and video system through the unique event number;
3.2 the anti-fraud service online sends the unique event number + object storage service video file storage path to the biological identification system to obtain a micro-expression analysis result matrix;
and 4, asynchronously acquiring the anti-fraud analysis result by the staff.
In the embodiment of the present invention, the identification of the human face by the biometric technology, the micro-expression analysis operation on the human face image, and the like can be performed by referring to the existing related technologies, which is not limited by the present invention.
The non-contact service mode provided by the embodiment of the invention is beneficial to the rapid high-quality development of the small micro financing service, and the action of the non-contact service mode is mainly embodied in two aspects: the method can promote the service resources to flow to the small and micro customers, and improve the service quality of the small and micro financing service; and secondly, the small and micro financing business handling efficiency can be improved, the range of the small and micro clients can be expanded, and the short, frequent and urgent financing requirements of the small and micro clients can be better met.
Based on similar inventive concepts, an embodiment of the present invention further provides an online job processing system, as shown in fig. 3, the system includes: the online work processing device 1 and the client terminal 2, wherein the online work processing device 1 can be preferably used for realizing the flow of the online work processing method, online video interaction between an auditor and a client can be realized through the online work processing device 1 and the client terminal 2, and the business audit flow handling efficiency can be improved.
Fig. 4 is a block diagram of the structure of the inline-job processing apparatus 1, and as shown in fig. 4, the inline-job processing apparatus 1 includes: a job request receiving unit 11, a job flow generating unit 12, a face image obtaining unit 13, a face recognition unit 14, an audio/video data obtaining unit 15, an anti-fraud analyzing unit 16 and a job flow executing unit 17, wherein:
a job request receiving unit 11, configured to receive a client online job request.
A work flow generating unit 12, configured to generate an online work flow according to the online work request, where the online work flow includes: and (6) performing video surface examination.
And the face image acquisition unit 13 is used for responding to the triggered video surface audit process and acquiring a face image of the client.
And the face recognition unit 14 is used for executing face recognition operation according to the client face image.
Specifically, the face recognition unit performs a face recognition operation on the client face image based on a biometric recognition technique and pre-stored face reference information.
And the audio and video data acquisition unit 15 is used for responding to the success of the face recognition operation and acquiring the audio and video data in the face examination process.
And the anti-fraud analysis unit 16 is used for executing anti-fraud analysis operation according to the audio and video data.
Specifically, the anti-fraud analysis unit 16 includes: a micro-episodic analysis module and an anti-fraud analysis module, wherein:
the micro-expression analysis module is used for carrying out micro-expression analysis operation on the face image of the client in the audio and video data based on a biological feature recognition technology;
and the anti-fraud analysis module is used for carrying out anti-fraud analysis operation according to the micro-expression analysis result.
And the work flow executing unit 17 is used for executing the online work flow according to the anti-fraud analysis result.
The online operation process is generated by the operation process generating unit 12 according to the client online operation request received by the operation request receiving unit 11, the face image obtaining unit 13 obtains the face image of the client in response to the triggering of the video face audit process, the face recognition unit 14 executes face recognition operation according to the face image of the client, when the face recognition operation is successful, the audio and video data obtaining unit 15 obtains the audio and video data in the face audit process, the anti-fraud analysis unit 16 executes anti-fraud analysis operation according to the audio and video data, and then the operation process execution unit 17 executes the online operation process according to the anti-fraud analysis result.
In practical operation, the above-mentioned device 1 further comprises: and the event number generating unit is used for generating an event number used for identifying the online operation process according to the online operation request.
Preferably, the above device 1 further comprises: and the voiceprint recognition unit is used for carrying out voiceprint recognition operation on the audio data in the audio and video data based on a voiceprint recognition technology and a preset client voiceprint library.
In a specific implementation process, the audio and video data further includes: question-answering information, and correspondingly, the device 1 further comprises: a speech recognition unit and a speech analysis unit, wherein:
the voice recognition unit is used for carrying out voice recognition operation on the question answering information according to a voice recognition technology;
and the voice analysis unit is used for analyzing the voice recognition result based on preset voice operation data.
Through the voice recognition unit and the voice analysis unit, the accuracy and the high efficiency of operation auditing can be improved, and the fraud risk can be reduced.
In one embodiment, the above apparatus 1 further comprises: a positioning unit and a client current position determination unit, wherein:
the positioning unit is used for positioning the client terminal;
and the client current position determining unit is used for determining the client current position according to the positioning operation result.
For specific execution processes of the units and the modules, reference may be made to the description in the foregoing method embodiments, and details are not described here again.
In practical operation, the units and the modules may be combined or may be singly arranged, and the present invention is not limited thereto.
The present embodiment also provides an electronic device, which may be a desktop computer, a tablet computer, a mobile terminal, and the like, but is not limited thereto. In this embodiment, the electronic device may be implemented with reference to the above method embodiments and the embodiments of the online job processing apparatus/system, and the contents thereof are incorporated herein, and repeated descriptions are omitted.
Fig. 5 is a schematic block diagram of a system configuration of an electronic apparatus 600 according to an embodiment of the present invention. As shown in fig. 5, the electronic device 600 may include a central processor 100 and a memory 140; the memory 140 is coupled to the central processor 100. Notably, this diagram is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the on-line job processing function may be integrated into the central processing unit 100. The central processor 100 may be configured to control as follows:
receiving a client online operation request;
generating an online operation process according to the online operation request, wherein the online operation process comprises the following steps: video surface examination;
responding to a triggered video face auditing process, acquiring a client face image, and executing face recognition operation according to the client face image;
responding to the success of the face recognition operation, acquiring audio and video data in a face examination process, and executing anti-fraud analysis operation according to the audio and video data;
and executing the online operation flow according to the anti-fraud analysis result.
As can be seen from the above description, according to the electronic device provided in the embodiment of the present invention, an online operation flow is generated according to a received client online operation request, a triggered video face audit flow is responded to, a client face image is obtained, a face recognition operation is executed according to the client face image, when the face recognition operation is successful, audio and video data in the face audit flow is obtained, an anti-fraud analysis operation is executed according to the audio and video data, and then the online operation flow is executed according to an anti-fraud analysis result.
In another embodiment, the on-line job processing apparatus/system may be configured separately from the central processor 100, for example, the on-line job processing apparatus/system may be configured as a chip connected to the central processor 100, and the on-line job processing function is realized by the control of the central processor.
As shown in fig. 5, the electronic device 600 may further include: communication module 110, input unit 120, audio processing unit 130, display 160, power supply 170. It is noted that the electronic device 600 does not necessarily include all of the components shown in fig. 5; furthermore, the electronic device 600 may also comprise components not shown in fig. 5, which may be referred to in the prior art.
As shown in fig. 5, the central processor 100, sometimes referred to as a controller or operational control, may include a microprocessor or other processor device and/or logic device, the central processor 100 receiving input and controlling the operation of the various components of the electronic device 600.
The memory 140 may be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 100 may execute the program stored in the memory 140 to realize information storage or processing, etc.
The input unit 120 provides input to the cpu 100. The input unit 120 is, for example, a key or a touch input device. The power supply 170 is used to provide power to the electronic device 600. The display 160 is used to display an object to be displayed, such as an image or a character. The display may be, for example, an LCD display, but is not limited thereto.
The memory 140 may be a solid state memory such as Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 140 may also be some other type of device. Memory 140 includes buffer memory 141 (sometimes referred to as a buffer). The memory 140 may include an application/function storage section 142, and the application/function storage section 142 is used to store application programs and function programs or a flow for executing the operation of the electronic device 600 by the central processing unit 100.
The memory 140 may also include a data store 143, the data store 143 for storing data, such as contacts, digital data, pictures, sounds, and/or any other data used by the electronic device. The driver storage portion 144 of the memory 140 may include various drivers of the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging application, address book application, etc.).
The communication module 110 is a transmitter/receiver 110 that transmits and receives signals via an antenna 111. The communication module (transmitter/receiver) 110 is coupled to the central processor 100 to provide an input signal and receive an output signal, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 110 is also coupled to a speaker 131 and a microphone 132 via an audio processor 130 to provide audio output via the speaker 131 and receive audio input from the microphone 132 to implement general telecommunications functions. Audio processor 130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, an audio processor 130 is also coupled to the central processor 100, so that recording on the local can be enabled through a microphone 132, and so that sound stored on the local can be played through a speaker 131.
Embodiments of the present invention further provide a computer-readable storage medium, on which a computer program is stored, where the computer program is executed by a processor to implement the steps of the above-mentioned online job processing method.
In summary, the embodiments of the present invention provide a remote service auditing scheme, which implements online video interaction between a worker and a client, improves the efficiency of online service verification and confirmation, and simultaneously, applies new technologies such as face recognition, voiceprint recognition, micro-expression judgment, and the like to assist the worker in determining the identity of the client, thereby reducing the risk of fraud.
The preferred embodiments of the present invention have been described above with reference to the accompanying drawings. The many features and advantages of the embodiments are apparent from the detailed specification, and thus, it is intended by the appended claims to cover all such features and advantages of the embodiments which fall within the true spirit and scope thereof. Further, since numerous modifications and changes will readily occur to those skilled in the art, it is not desired to limit the embodiments of the invention to the exact construction and operation illustrated and described, and accordingly, all suitable modifications and equivalents may be resorted to, falling within the scope thereof.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, system, or computer program product. Accordingly, the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
The principle and the implementation mode of the invention are explained by applying specific embodiments in the invention, and the description of the embodiments is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (17)
1. An online job processing method, comprising:
receiving a client online operation request;
generating an online operation process according to the online operation request, wherein the online operation process comprises the following steps: video surface examination;
responding to a triggered video face auditing process, acquiring a client face image, and executing face recognition operation according to the client face image;
responding to the success of the face recognition operation, acquiring audio and video data in a face examination process, and executing anti-fraud analysis operation according to the audio and video data;
and executing the online operation flow according to the anti-fraud analysis result.
2. The method of claim 1, wherein after generating an online job flow from the online job request, the method further comprises:
and generating an event number for identifying the online operation process according to the online operation request.
3. The method of claim 1, wherein performing a face recognition operation based on the customer face image comprises:
and executing face recognition operation on the face image of the client based on the biological feature recognition technology and the pre-stored face reference information.
4. The method of claim 1, wherein after the audio and video data in the face-up process is acquired, the method further comprises:
and carrying out voiceprint recognition operation on the audio data in the audio and video data based on a voiceprint recognition technology and a preset client voiceprint library.
5. The method of claim 1, wherein performing an anti-fraud analysis operation on the audio-visual data comprises:
performing micro-expression analysis operation on the face image of the client in the audio and video data based on a biological feature recognition technology;
and performing anti-fraud analysis operation according to the micro-expression analysis result.
6. The method of claim 1, wherein the audio-visual data further comprises: the method further comprises the following steps:
performing voice recognition operation on the question and answer information according to a voice recognition technology;
and analyzing the voice recognition result based on preset voice operation data.
7. The method of claim 1, wherein after triggering a video review process, the method further comprises:
positioning operation is carried out on the video terminal;
and determining the current position of the client according to the positioning operation result.
8. An in-line job processing apparatus, characterized in that the apparatus comprises:
a job request receiving unit for receiving an online job request of a client;
an operation flow generation unit, configured to generate an online operation flow according to the online operation request, where the online operation flow includes: video surface examination;
the face image acquisition unit is used for responding to the triggering video face examination process and acquiring a face image of a client;
the face recognition unit is used for executing face recognition operation according to the face image of the client;
the audio and video data acquisition unit is used for responding to the success of the face recognition operation and acquiring audio and video data in the face examination process;
the anti-fraud analysis unit is used for executing anti-fraud analysis operation according to the audio and video data;
and the operation flow executing unit is used for executing the online operation flow according to the anti-fraud analysis result.
9. The apparatus of claim 8, further comprising:
and the event number generating unit is used for generating an event number used for identifying the online operation process according to the online operation request.
10. The apparatus according to claim 8, wherein the face recognition unit is specifically configured to:
and executing face recognition operation on the face image of the client based on the biological feature recognition technology and the pre-stored face reference information.
11. The apparatus of claim 8, further comprising:
and the voiceprint recognition unit is used for carrying out voiceprint recognition operation on the audio data in the audio and video data based on a voiceprint recognition technology and a preset client voiceprint library.
12. The apparatus of claim 8, wherein the anti-fraud analysis unit comprises:
the micro-expression analysis module is used for carrying out micro-expression analysis operation on the face image of the client in the audio and video data based on a biological feature recognition technology;
and the anti-fraud analysis module is used for carrying out anti-fraud analysis operation according to the micro-expression analysis result.
13. The apparatus of claim 8, wherein the audio-visual data further comprises: question-answering information, the apparatus further comprising:
the voice recognition unit is used for carrying out voice recognition operation on the question answering information according to a voice recognition technology;
and the voice analysis unit is used for analyzing the voice recognition result based on preset voice operation data.
14. The apparatus of claim 8, further comprising:
the positioning unit is used for positioning the client terminal;
and the client current position determining unit is used for determining the client current position according to the positioning operation result.
15. An inline job processing system, comprising: the online job processing apparatus and the client terminal according to any one of claims 8 to 14.
16. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the steps of the method of any of claims 1 to 7 are implemented when the processor executes the program.
17. A computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 7.
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