WO2019109520A1 - 视频面签派工方法、装置、设备及可读存储介质 - Google Patents

视频面签派工方法、装置、设备及可读存储介质 Download PDF

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Publication number
WO2019109520A1
WO2019109520A1 PCT/CN2018/074995 CN2018074995W WO2019109520A1 WO 2019109520 A1 WO2019109520 A1 WO 2019109520A1 CN 2018074995 W CN2018074995 W CN 2018074995W WO 2019109520 A1 WO2019109520 A1 WO 2019109520A1
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Prior art keywords
face
video
loan
auditor
audit
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PCT/CN2018/074995
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English (en)
French (fr)
Inventor
孙中熙
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平安科技（深圳）有限公司
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Publication of WO2019109520A1 publication Critical patent/WO2019109520A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/063—Operations research, analysis or management
    • G06Q10/0631—Resource planning, allocation, distributing or scheduling for enterprises or organisations
    • G06Q10/06311—Scheduling, planning or task assignment for a person or group
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
    • G06Q30/0635—Processing of requisition or of purchase orders
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/03—Credit; Loans; Processing thereof

Definitions

  • the present application relates to the field of financial technologies, and in particular, to a video face sign dispatching method, apparatus, device, and computer readable storage medium.
  • the face-to-face sign refers to the formalities for the lender (together with the co-payer or guarantor) to carry the original legally valid documents, the hand-written and the cost of the loan to the loan bank to pay the loan and conduct interviews and signatures.
  • a face-to-face check is a formal requirement for applying for a loan from a bank. Before the face-to-face check, when a face-to-face request is received, the face-to-face auditor needs to be assigned.
  • the existing distribution face-to-face auditor has two modules, one is to send a video face-sign request to a designated skill group. The other is to send a fixed number of people.
  • assigning it is not certain whether the assigned face-to-face auditor has free time.
  • assigning to an auditor who has no free time the customer needs to wait, resulting in the inefficiency of the face-to-face check, and cannot Flexible allocation to designated face-to-face auditors.
  • the main purpose of the present application is to provide a video face sign dispatching method, device, device and computer readable storage medium, aiming at solving the problem of inflexible technical allocation of existing face-to-face auditors.
  • the present application provides a video face-signing dispatching method, and the method includes:
  • the free face-to-face auditor in the extracted face-to-face auditor is assigned to the face-to-face auditor of the video face-to-face request.
  • the present application further provides a video face-signing dispatching device, the device comprising:
  • An obtaining module configured to acquire loan order information corresponding to the video face sign request and identity information of the corresponding user when receiving the video face sign request; and obtain a customer to apply for a loan according to the loan order information and the identity information of the corresponding user The location of the outlet and the type of loan;
  • an allocation module configured to search for an audit bank within a preset distance according to the website where the loan application is located, and extract the face-to-face audit personnel in the found audit bank according to the loan type, and allocate the extracted face-to-face audit personnel to the current The face-to-face auditor of the video face-to-face request.
  • the present application further provides a video face sign dispatching device, where the video face sign dispatching device includes a video face sign dispatching program, and the video face sign dispatching program is executed by the video face signing device.
  • the present application further provides a computer readable storage medium having a video face sign dispatcher stored thereon, and the video face sign dispatcher is executed by the processor as described above. The steps of the video face-to-face dispatch method.
  • the method, the device, the device, and the computer readable storage medium provided by the application when receiving the video face sign request, acquire the loan order information corresponding to the video face sign request and the identity information of the corresponding user; Describe the loan order information and the identity information of the corresponding user, obtain the outlets and loan types where the customer applies for the loan; find the audit bank within the preset distance according to the outlet where the loan application is located, and extract the found audit bank according to the loan type
  • the no-nosed face-to-face auditor of the selected face-to-face auditor is assigned to the face-to-face auditor of the video face-to-face request, and the above-mentioned method is used to find the corresponding face-to-face auditor according to the site where the loan application is located, thereby realizing Flexible allocation to designated face-to-face auditors, and prior to distribution, confirm that the assigned face-to-face auditors are idle, thereby reducing user wait time and improving face-to-face efficiency.
  • FIG. 1 is a schematic flow chart of a first embodiment of a video face-signing dispatching method of the present application
  • FIG. 2 is a schematic flowchart of a second embodiment of a method for dispatching a video face-to-face in the present application
  • FIG. 3 is a schematic flowchart of a third embodiment of a method for dispatching a video face-to-face in the present application
  • FIG. 4 is a schematic flow chart of a fourth embodiment of a video face-signing dispatching method of the present application.
  • FIG. 5 is a schematic flowchart diagram of a fifth embodiment of a video face-signing dispatching method according to the present application.
  • FIG. 6 is a schematic flowchart of a sixth embodiment of a video face-signing dispatching method of the present application.
  • FIG. 7 is a schematic flowchart of a seventh embodiment of a method for dispatching a video face-to-face in the present application
  • FIG. 8 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the embodiment of the present application considers that in the prior art, the existing distribution face-to-face auditor has two modules, one is to send a video face-sign request to a designated skill group. The other is to send a fixed number of people.
  • assigning it is not certain whether the assigned face-to-face auditor has free time.
  • assigning to an auditor who has no free time the customer needs to wait, resulting in the inefficiency of the face-to-face check, and cannot Flexible allocation to designated face-to-face auditors.
  • the embodiment of the present application provides a video face-signing dispatching method.
  • the loan order information corresponding to the video face-signing request and the identity information of the corresponding user are obtained; and then according to the loan order information. And corresponding identity information of the user, obtaining the outlets and loan types of the customer to apply for the loan; searching for the audit bank within the preset distance according to the outlet of the loan application, and extracting the face-to-face audit in the audited bank found according to the loan type
  • the unaccompanied face-to-face auditor of the selected face-to-face auditor is assigned to the face-to-face auditor of the video face-to-face request, and through the above-mentioned manner, the corresponding face-to-face auditor is searched according to the site where the loan application is located, thereby achieving flexible allocation to the personnel.
  • the designated face-to-face auditor, and before the assignment confirms that the assigned face-to-face auditor is in an idle state, thereby reducing the user waiting time, thereby improving the face-to-face efficiency.
  • the application provides a video face-signing dispatching method.
  • FIG. 1 is a schematic flowchart of a first embodiment of a video face-sending method of the present application.
  • the method includes:
  • Step S10 when receiving the video face-to-face request, acquiring loan order information corresponding to the video face-signing request and identity information of the corresponding user;
  • the video visa signing terminal monitors the face sign request
  • the loan order information corresponding to the video face sign request and the identity information of the corresponding user are obtained
  • the user identity information is sent to the video face-to-face auditing system
  • the video face-signing terminal is a video face-to-face terminal in the house exchange
  • the loan order information and the identity information of the corresponding user include but are not limited to the main lender, the common lender, The name, age, address and ID number of the spouse of the main lender, and the spouse of the co-loan, the address of the outlet for handling the loan, the photo of the ID card of the main lender, the information of the face image collection, etc., wherein the main lender The photo of the ID card and the face image collection information can be collected by the operation interface of the video face-finger terminal, and then sent to the video face-to-face review system.
  • the video face-to-face request can be triggered by a staff member corresponding to the video face-to-face terminal.
  • a staff member corresponding to the video face-to-face terminal.
  • the video face-to-face terminal can be bound through a preset interface.
  • video face-to-face review system The jump between the process node and the video face-to-face auditing system is closely related to the preset interface.
  • the preset interface is B2B1. ((Business to Businessintegration) Interface. It can be understood that the preset interface is a virtual interface, and the parameter corresponding to the preset interface is set to a constant, so that when the preset interface parameter name is modified, the parameter constant defined by the constant class can be directly modified to reduce the workload.
  • the corresponding staff of the video face-to-face terminal should first check whether the information carried by the lender is complete. If the information provided by the lender is not complete, the corresponding information should be input in the video face-to-face terminal, so that the detailed information of the loan application obtained by the video face-finger terminal is the complete face-to-face information, thereby ensuring the loan sent to the video face-to-face review system.
  • the details of the application are complete face-to-face information.
  • Step S20 obtaining, according to the loan order information, a network point and a loan type at which the customer applies for the loan;
  • the loan order information After obtaining the loan order information and the identity information of the corresponding user, the loan order information includes the detailed information of the specific network point where the user applies for the loan, such as address information, telephone information, etc., thereby passing the loan order information. You can know the location and type of loan where the client applies for the loan.
  • Step S30 searching for an audit bank within a preset distance according to the network location of the loan application and the identity information of the corresponding user, and extracting the face-to-face audit personnel in the found audit bank according to the loan type;
  • step S40 the face-to-face auditor who is idle in the extracted face-to-face auditor is assigned to the face-to-face auditor of the video face-to-face request.
  • the identity information of the corresponding user includes the user's ID number, the current address information of the user, etc., so that the pre-existing information of the website where the loan application is located and the identity information of the corresponding user can be found.
  • Set the audit bank within the distance for example, to find the audit bank within the preset distance from the site where the loan application is located, and the audit bank within the preset distance from the user's current address, and then extract the found audit bank according to the loan type.
  • the face-to-face auditor can further judge whether the extracted video face-to-face personnel are in an idle state, and assign the face-to-face auditor in the idle state to the face-to-face auditor of the video face-to-face request, thereby realizing flexible allocation of the face-to-face auditor and ensuring the distribution.
  • the face-to-face auditor is idle, reducing the waiting time of the video sign-off personnel and improving the efficiency of the video face-to-face.
  • the video face-signing dispatching method of the embodiment obtains the loan order information corresponding to the video face-signing request and the identity information of the corresponding user when receiving the video face-signing request; and then according to the loan order information and the identity of the corresponding user Information, obtain the outlets and loan types where the client applies for the loan; find the audit bank within the preset distance according to the outlet where the loan application is located, and extract the face-to-face audit personnel in the found audit bank according to the loan type, and extract the The face-to-face auditor of the face-to-face auditor is assigned the face-to-face auditor for the video face-to-face request.
  • the corresponding face-to-face auditor is searched according to the site where the loan application is located, thereby flexibly assigning to the designated face-to-face auditor. And before the allocation, confirm that the assigned face-to-face auditor is in an idle state, thereby reducing the user waiting time, thereby improving the face-to-face efficiency.
  • a second embodiment of the video face-signing dispatching method of the present application is proposed based on the first embodiment of the video face-signing dispatching method of the present application.
  • step after the step S30 further includes:
  • Step S50 extracting status labeling information of the face-to-face auditing personnel in the found auditing bank
  • the status labeling information of the face-to-face auditor can be used to determine whether the face-to-face auditor is available. Therefore, it is necessary to extract the status tag information of the face-to-face auditor in the found audit bank, wherein the status tag information can be Manually set by the face-to-face auditor.
  • the face-to-face auditor is in an idle state, click the corresponding button to mark the current status tag information as idle, or you can monitor it through the video face-checking system.
  • the current status tag information of the face-to-face auditor is marked as idle.
  • Step S60 judging whether the extracted face-to-face auditor is idle through the state labeling information of the face-to-face auditor;
  • Step S70 When the status labeling information of the face-to-face auditor is idle, determine that the face-to-face auditor is idle; otherwise, determine that the face-to-face auditor is not idle;
  • the status labeling information of the face-to-face auditor can be used to determine whether the extracted face-to-face auditor is free, specifically, when the status of the face-to-face auditor is marked as idle. Determining that the face-to-face reviewer is idle; otherwise, determining that the face-to-face reviewer is not idle;
  • step S80 the idle face-to-face auditor is used as the face-to-face auditor for the assigned video face-to-face request.
  • the face-to-face auditor who has the idle face-to-face auditor can be used as the face-to-face auditor for the assigned video face-to-face request.
  • the empty face-to-face auditor can be empty. The random selection is carried out, and the selected face-to-face auditor is used as the face-to-face auditor of the video face-to-face request, thereby ensuring that the assigned face-to-face auditor is idle, reducing the waiting time of the customer and improving the efficiency of the face-to-face.
  • the video face-signing dispatching method proposed in this embodiment extracts the status labeling information of the face-to-face auditing personnel in the found auditing bank; and judges whether the extracted face-to-face auditing personnel is idle through the state labeling information of the face-to-face auditing personnel; When the status labeling information of the auditor is idle, it is determined that the face-to-face auditor is idle. Otherwise, it is determined that the face-to-face auditor is not idle; and then the idle face-to-face auditor is used as the face-to-face audit of the assigned video face-to-face request. Personnel, thus ensuring that the assigned face-to-face auditors are idle, reducing customer waiting time and improving face-to-face efficiency.
  • a third embodiment of the video face-signing dispatching method of the present application is proposed based on the first embodiment of the video face-signing dispatching method of the present application.
  • step before the step S80 further includes:
  • Step S90 querying the face-to-face audit record of each face-to-face auditor, and the type of loan corresponding to the face-to-face audit record;
  • the face-to-face audit of the face-to-face auditor may be selected according to the audit record of each face-to-face auditor. Personnel, specifically, query the face-to-face audit record of each face-to-face auditor and the type of loan corresponding to the face-to-face audit record.
  • step S100 the number of face-to-face audit records consistent with the current video face-to-face request type is counted in the loan type corresponding to the face-to-face audit record;
  • the loan type corresponding to the face-to-face audit record is compared with the loan type corresponding to the current video face-signing request, and then the compared loan type corresponding to the current video face-signing request, and the number of face-to-face audit records of the same loan type are counted. In order to know the experience of each face-to-face auditor to face the current loan type.
  • step S110 the number of times counted by each face-to-face auditor is sorted, and the face-to-face auditor with the most number of face-to-face audit records is selected as the face-to-face auditor of the video face-to-face request.
  • the number of times of the loan type corresponding to the current video face-to-face request obtained by each face-to-face auditor is sorted, and then the face-to-face auditor who has the most number of face-to-face audit records is selected as the face-to-face auditor of the video face-to-face request, thereby realizing the distribution to the client.
  • the face-to-face auditor is a face-to-face auditor who is more familiar with the current loan type, thereby improving the face-to-face efficiency.
  • the video face-signing dispatching method proposed in this embodiment queries the face-to-face audit record of each face-to-face auditor and the loan type corresponding to the face-to-face audit record; and then the loan type corresponding to the face-to-face audit record is consistent with the current video face-to-face request type.
  • the number of face-to-face audit records is counted; the number of times counted by each face-to-face auditor is sorted, and the face-to-face auditor with the most number of face-to-face audit records is selected as the face-to-face auditor of the video face-to-face request, thereby realizing the face-to-face auditor assigned to the client. More familiar with the current loan type of face-to-face auditors, thus improving the efficiency of face-to-face.
  • a fourth embodiment of the video face-signing dispatching method of the present application is proposed based on the first embodiment of the video face-signing dispatching method of the present application.
  • step after the step S10 further includes:
  • Step S120 determining whether there are multiple video face sign requests
  • the video face-to-face request when a video face-to-face request is received, since there are multiple video face-to-face request requests, the video face-to-face request is received, and the loan order information corresponding to the video face-to-face request is obtained and corresponding. After the identity information of the user, it may be further determined whether there are multiple video face sign requests.
  • step S130 if there are multiple video face-to-face request requests, the video face-to-face review personnel are prioritized according to the loan order information corresponding to the video face-signing request and the identity information of the corresponding user.
  • the video face-to-face review personnel are prioritized according to the loan order information corresponding to the video face-signing request and the identity information of the corresponding user, for example, according to the identity of the corresponding user.
  • the information is used to find the credit rating of each user, and then the video face-to-face audit personnel are prioritized according to the customer's credit rating, wherein the higher the credit rating, the higher the priority of assigning the video face-to-face auditor; or
  • the loan type corresponding to each video visa request is obtained according to the loan order information, and then the video face-to-face audit personnel are prioritized according to the loan type.
  • step S140 the corresponding loan order information is requested according to the highest priority video face sign, and the outlets and loan types where the customer applies for the loan are obtained.
  • the video face-to-face request with the highest priority is preferentially processed. Therefore, firstly, the corresponding loan order information is requested according to the highest priority video face-to-face to obtain the customer.
  • the network where the loan application is applied and the type of loan are used to prioritize the face-to-face auditors.
  • a fifth embodiment of the video face-signing dispatching method of the present application is proposed based on the first embodiment of the video face-signing dispatching method of the present application.
  • step after the step S30 further includes:
  • Step S150 sorting the found audit banks according to the length of the network where the loan application is located
  • the searched bank may be further sorted according to the length of the network where the loan application is located. Therefore, the distance between the found audit bank and the outlet where the loan application is located may be first obtained, and then the obtained distances are sorted.
  • Step S160 according to the sorting of the distances, extract the face-to-face auditors in the audit bank with the smallest distance according to the loan type.
  • the face-to-face auditors in the audit bank with the smallest distance are extracted according to the loan type.
  • a sixth embodiment of the video face-signing dispatching method of the present application is proposed based on any one of the first to fifth embodiments of the video face-signing dispatching method of the present application.
  • step after the step S40 further includes:
  • Step S170 filling the loaner description according to the loan order information and the identity information of the corresponding user, and generating a corresponding page label according to the loan order information, the identity information of the corresponding user, and the description of the lender;
  • the video face-to-face request can be face-checked, in order to improve the efficiency of the face-to-face check.
  • the loan order information and the identity information of the corresponding user may be classified, for example, according to information of the main lender, the common lender, the spouse of the main lender, and the spouse of the co-loan.
  • Sorting and then filling the respective information into the description of the lender, and then generating a corresponding tab according to the loan order information and the identity information of the corresponding user and the description of the lender, for example, the main lender tab, common The lender page, etc., further, before the tab is generated, the detachable state of the single tab or the closable state of the plurality of tabs may be further configured, that is, the user may click the corresponding location to move the corresponding page. Signing off, so that users can review the information of the lender after reviewing The corresponding page can be closed sign, reducing the tab for display and reduce the time users search for information corresponding to the lender, so as to further improve the efficiency of the audit face execution.
  • Step S180 after generating the tab, automatically filling the description of the lender into the tab for display;
  • the description of the lender is automatically filled into the tab, and then displayed.
  • the manner of displaying may be performed by the user, for example, display, overlapping display, etc., and is not limited herein.
  • the user can further set the order of the display. For example, when the user sets the display mode of the tab to display, the order of the display can be set from left to right, and the corresponding lender is described as the main loan in turn.
  • the face-to-face auditor can review the video face-to-face according to the lender description in the tab, and the lender description can be sent.
  • the corresponding institutions are audited and compared to verify the authenticity of each lender's information, such as sending the lender's identity information to the public security system for comparative review, etc., to ensure the authenticity of the lender's information.
  • the video face-signing dispatching method of the embodiment is configured to fill the lender description according to the loan order information and the identity information of the corresponding user, and generate corresponding corresponding according to the loan order information, the identity information of the corresponding user, and the description of the lender. Tab; after the tab is generated, The loaner description is automatically filled into the tab for display, thereby reducing the time for obtaining the lender information and improving the face-to-face efficiency.
  • a seventh embodiment of the video face-signing dispatching method of the present application is proposed based on the sixth embodiment of the video face-signing dispatching method of the present application.
  • step after the step S180 further includes:
  • Step S190 Send the loaner description in the page to the public security system, so that the public security system checks the description of the lender in the page, and returns a verification result;
  • the specific manner of performing the video face-to-face review may be to send the information of the lender to the corresponding institution to verify the authenticity of the information, such as sending the description of the lender in the page to the public security system for
  • the public security system verifies the description of the lender in the tab, and returns a verification result, specifically sending the identity information of the lender, the photo image of the ID card, the image of the lender's face, and the like to the public security system, and then Through the public security system, the identity information of the lender, the photo image of the ID card, the image collected by the lender's face, and the like are examined and verified, or the information of the lender's work unit is sent to the corresponding inquiry system, thereby querying the work unit. The authenticity of the information.
  • step S200 after determining that the lender description in the tab passes the verification according to the verification result, sending a prompt message to the video visa signing terminal to complete the face sign.
  • the test result needs to be fed back to the video face-to-face review system, and the video face-checking system determines the page mark according to the check result.
  • a prompt message is sent to the video face-finding terminal to complete the face-to-face check.
  • the application further provides a video face-signing dispatching device, the device comprising:
  • An obtaining module configured to acquire loan order information corresponding to the video face sign request and identity information of the corresponding user when receiving the video face sign request; and obtain a customer to apply for a loan according to the loan order information and the identity information of the corresponding user The location of the outlet and the type of loan;
  • an allocation module configured to search for an audit bank within a preset distance according to the website where the loan application is located, and extract the face-to-face audit personnel in the found audit bank according to the loan type, and allocate the extracted face-to-face audit personnel to the current The face-to-face auditor of the video face-to-face request.
  • the specific embodiment of the video face-signing dispatching device of the present application is substantially the same as the embodiment of the video face-signing dispatching method, and is not described herein.
  • the application further provides a video face-selling device.
  • FIG. 8 is a schematic structural diagram of a device in a hardware operating environment according to an embodiment of the present application.
  • the video face signing device may include a processor 1001, such as a CPU, a network interface 1002, a user interface 1003, and a memory 1004. Connection communication between these components can be achieved via a communication bus.
  • the network interface 1002 may optionally include a standard wired interface (for connecting to a wired network), a wireless interface (such as a WI-FI interface, a Bluetooth interface, an infrared interface, etc. for connecting to a wireless network).
  • the user interface 1003 can include a display, an input unit such as a keyboard, and the optional user interface 1003 can also include a standard wired interface (eg, for connecting a wired keyboard, a wired mouse, etc.) and/or a wireless interface (eg, Used to connect a wireless keyboard, wireless mouse).
  • the memory 1004 may be a high speed RAM memory or a stable memory (non-volatile) Memory), such as disk storage.
  • the memory 1004 can also optionally be a storage device independent of the aforementioned processor 1001.
  • the video face-signing device can also include a camera, RF (Radio) Frequency, RF) circuits, sensors, audio circuits, WiFi modules, and more. It will be understood by those skilled in the art that the video face-signing device structure shown in the figure does not constitute a limitation on the video face-signing device, and may include more or less components, or some components, or Different parts are arranged.
  • a memory 1004 as a computer storage medium may include an operating system, a network communication module, a user interface module, and a video face-signing dispatcher.
  • the operating system is a program for managing and controlling the hardware and software resources of the video face signing device, and supports the operation of the network communication module, the user interface module, the video face signing program, and other programs or software; the network communication module is used for management and control.
  • the network interface 1002 is mainly used for connecting to a database and performing data communication with the database;
  • the user interface 1003 is mainly used for connecting a client (which can be understood as a client), and performing data with the client.
  • the communication such as displaying the information to the client through the window, or receiving the operation information sent by the client;
  • the processor 1001 may be configured to execute the video face-signing program stored in the memory 1004 to implement the video masking method embodiment. step.
  • the present application also provides a computer readable storage medium storing one or more programs, the one or more programs being executable by one or more processors to implement the video face sign The steps of the method of dispatching the method.
  • the foregoing embodiment method can be implemented by means of software plus a necessary general hardware platform, and of course, can also be through hardware, but in many cases, the former is better.
  • Implementation Based on such understanding, the technical solution of the present application, which is essential or contributes to the prior art, may be embodied in the form of a software product stored in a storage medium (such as ROM/RAM, disk,
  • the optical disc includes a number of instructions for causing a terminal device (which may be a cell phone, a computer, a server, an air conditioner, or a network device, etc.) to perform the methods of various embodiments of the present application.

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Abstract

本申请公开了一种视频面签派工方法，所述方法包括以下步骤：当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；根据所述贷款订单信息，获取客户进行贷款申请所在网点及贷款类型；根据所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员；将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员。本申请还公开了一种视频面签派工装置、设备及计算机可读存储介质。本申请能够灵活分配视频面签人员，通过准确分配合适的审核人员，提高视频面签效率。

Description

视频面签派工方法、装置、设备及可读存储介质
本申请要求于2017年12月8日提交中国专利局、申请号为201711292172.0
、发明名称为“视频面签派工方法、装置、设备及可读存储介质”的中国专利申请的优先权，其全部内容通过引用结合在申请中。
技术领域
本申请涉及金融技术领域，尤其涉及一种视频面签派工方法、装置、设备及计算机可读存储介质。
背景技术
在贷款人向金融机构借贷时，贷款人需要和金融机构进行面签，从而对贷款人的信息及身份进行核实。面签是指贷款人(连同共同还款人或担保人)携带合法有效证件原件、手章及贷款所需费用到贷款银行交纳贷款所需费用并进行面谈及签字的手续。面签是向银行申请贷款必须的手续。在面签之前，当接收到面签请求时，需要进行分配面签审核人员。
现有技术中，现有分配面签审核人员有两种模块, 一种是把视频面签请求派给指定的技能组, 另一种是派给固定的一些人，在分配时，不能确定分配到的面签审核人员是否有空闲，当分配给没有空闲的审核人时，客户需要等待，导致面签的效率不高，并且不能灵活地分配给指定的面签审核人员。
发明内容
本申请的主要目的在于提出一种视频面签派工方法、装置、设备及计算机可读存储介质，旨在解决现有的面签审核人员分配不灵活技术问题。
为实现上述目的，本申请提供一种视频面签派工方法，所述方法包括：
当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；
根据所述贷款订单信息，获取客户进行贷款申请所在网点及贷款类型；
根据所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员；
将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员。
此外，为实现上述目的，本申请还提供一种视频面签派工装置，所述装置包括：
获取模块，用于当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；根据所述贷款订单信息及对应用户的身份信息，获取客户进行贷款申请所在网点及贷款类型；
分配模块，用于根据所述贷款申请所在网点查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员，将提取到的面签审核人员分配为本次视频面签请求的面签审核人员。
此外，为实现上述目的，本申请还提供一种视频面签派工设备，所述视频面签派工设备包括视频面签派工程序，所述视频面签派工程序被所述视频面签派工设备执行时实现如上所述的视频面签派工方法的步骤。
此外，为实现上述目的，本申请还提供一种计算机可读存储介质，所述计算机可读存储介质上存储有视频面签派工程序，所述视频面签派工程序被处理器执行时实现如上所述的视频面签派工方法的步骤。
本申请提出的视频面签派工方法、装置、设备及计算机可读存储介质，当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；然后根据所述贷款订单信息及对应用户的身份信息，获取客户进行贷款申请所在网点及贷款类型；根据所述贷款申请所在网点查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员，将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员，通过上述方式，从而根据贷款申请所在网点查找对应的面签审核人员，从而实现灵活地分配给指定的面签审核人员，并在分配之前，确认分配的面签审核人员为空闲状态，从而减少用户等待时间，从而提高面签效率。
附图说明
图1为本申请视频面签派工方法第一实施例的流程示意图；
图2为本申请视频面签派工方法第二实施例的流程示意图；
图3为本申请视频面签派工方法第三实施例的流程示意图；
图4为本申请视频面签派工方法第四实施例的流程示意图；
图5为本申请视频面签派工方法第五实施例的流程示意图；
图6为本申请视频面签派工方法第六实施例的流程示意图；
图7为本申请视频面签派工方法第七实施例的流程示意图；
图8为本申请实施例方案涉及的硬件运行环境的设备结构示意图。
本申请目的的实现、功能特点及优点将结合实施例，参照附图做进一步说明。
具体实施方式
应当理解，此处所描述的具体实施例仅仅用以解释本申请，并不用于限定本申请。
本申请实施例考虑到，现有技术中，现有分配面签审核人员有两种模块, 一种是把视频面签请求派给指定的技能组, 另一种是派给固定的一些人，在分配时，不能确定分配到的面签审核人员是否有空闲，当分配给没有空闲的审核人时，客户需要等待，导致面签的效率不高，并且不能灵活地分配给指定的面签审核人员。为此，本申请实施例提出一种视频面签派工方法，当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；然后根据所述贷款订单信息及对应用户的身份信息，获取客户进行贷款申请所在网点及贷款类型；根据所述贷款申请所在网点查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员，将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员，通过上述方式，从而根据贷款申请所在网点查找对应的面签审核人员，从而实现灵活地分配给指定的面签审核人员，并在分配之前，确认分配的面签审核人员为空闲状态，从而减少用户等待时间，从而提高面签效率。
本申请提供一种视频面签派工方法。
参照图1，图1为本申请视频面签派工方法第一实施例的流程示意图。
在本实施例中，该方法包括：
步骤S10，当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；
在本实施例中，当视频面签终端监测到面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息，并将所获取的视频面签请求对应的贷款订单信息及对应用户的身份信息发送给视频面签审核***，其中，所述视频面签终端为处于房交所中的视频面签终端，贷款订单信息及对应用户的身份信息包括但不限于主贷款人、共同贷款人、主贷款人配偶、以及共同贷款人配偶等的姓名、年龄、住址和身份证号码、办理贷款的网点地址以及主贷款人的身份证拍照、人脸图像采集信息等，其中，所述主贷款人的身份证拍照、人脸图像采集信息可以通过视频面签终端的操作界面进行拍照采集，然后发送给视频面签审核***。视频面签请求可由视频面签终端对应的工作人员触发。需要说明的是，为了保证面签平台的工作流程和房交所***的工作流程一致，即为了视频面签终端的工作流程和视频面签审核***的工作流程一致，可以通过预设接口绑定视频面签终端和视频面签审核***。视频面签终端和视频面签审核***之间流程节点的跳转和预设接口有紧密关系。当流程节点与视频面签终端和视频面签审核***之间约定的节点一致时，表明视频面签终端和视频面签审核***之间的流程是同步，当流程节点与视频面签终端和视频面签审核***之间约定的节点不一致时，表明视频面签终端和视频面签审核***之间的流程未同步。在本实施例中，预设接口为B2B1 ((Business to Businessintegration) 接口。可以理解的是，预设接口为虚拟接口，预设接口对应的参数设置为常量，以使在修改预设接口参数名时，可直接修改常量类定义的参数常量，降低工作量。
进一步地，在视频面签终端对应的工作人员触发视频面签请求之前，视频面签终端对应的工作人员应先检查贷款人所带资料是否齐全。若贷款人所带资料不齐全，则应在视频面签终端中输入相应的信息，以使视频面签终端后续获取的贷款申请的详细信息为完整的面签信息，从而保证发送给视频面签审核***的贷款申请的详细信息为完整的面签信息。
步骤S20，根据所述贷款订单信息，获取客户进行贷款申请所在网点及贷款类型；
在获得所述贷款订单信息及对应用户的身份信息之后，由于所述贷款订单信息中包含用户进行贷款申请的具体网点的详细信息，比如地址信息、电话信息等，因此，通过所述贷款订单信息即可获知客户进行贷款申请所在网点及贷款类型。
步骤S30，根据所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员；
步骤S40，将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员。
在获得客户进行贷款申请所在网点之后，由于所述对应用户的身份信息包含了用户的身份证号码、用户现在的住址信息等，因此可以通过所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行，比如查找距离贷款申请所在网点预设距离内的审核银行，以及距离用户现在的住址预设距离内的审核银行，然后根据所述贷款类型提取查找到的审核银行中的面签审核人员，同时可以进一步判断提取到的视频面签人员是否处于空闲状态，将处于空闲状态的面签审核人员分配为本次视频面签请求的面签审核人员，从而实现灵活分配面签审核人员，同时确保分配的面签审核人员为空闲状态，减少视频面签人员的等待时间，提高了视频面签的效率。
本实施例提出的视频面签派工方法，当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；然后根据所述贷款订单信息及对应用户的身份信息，获取客户进行贷款申请所在网点及贷款类型；根据所述贷款申请所在网点查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员，将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员，通过上述方式，从而根据贷款申请所在网点查找对应的面签审核人员，从而实现灵活地分配给指定的面签审核人员，并在分配之前，确认分配的面签审核人员为空闲状态，从而减少用户等待时间，从而提高面签效率。
进一步地，参照图2，基于本申请视频面签派工方法第一实施例提出本申请视频面签派工方法第二实施例。
在本实施例中，所述步骤S30之后的步骤，还包括：
步骤S50，提取查找到的审核银行中的面签审核人员的状态标注信息；
在本实施例中，具体可以通过面签审核人员的状态标注信息判断面签审核人员是否有空，因此需要提取查找到的审核银行中的面签审核人员的状态标注信息，其中，所述状态标注信息可以通过面签审核人员手动设置，当面签审核人员处于空闲状态时，则点击对应的按钮，将当前状态标注信息标注为空闲，也可以通过视频面签审核***进行监测，当监测到面签审核人员当前没有就那些视频面签时，则将面签审核人员当前状态标注信息标注为空闲。
步骤S60，通过面签审核人员的状态标注信息判断提取到的面签审核人员是否空闲；
步骤S70，当所述面签审核人员的状态标注信息为空闲时，确定所述面签审核人员为空闲，否则，确定所述面签审核人员为不空闲；
提取到审核银行中的面签审核人员的状态标注信息之后，即可通过面签审核人员的状态标注信息判断提取到的面签审核人员是否空闲，具体地，当所述面签审核人员的状态标注信息为空闲时，确定所述面签审核人员为空闲，否则，确定所述面签审核人员为不空闲；
步骤S80，将空闲的面签审核人员作为进行分配的本次视频面签请求的面签审核人员。
在确定各个面签审核人员的状态之后，即可将将空闲的面签审核人员作为进行分配的本次视频面签请求的面签审核人员，当空闲的面签审核人员大于一个时，可以空空闲的面签审核人员中进行随机挑选，并将挑选到的面签审核人员作为本次视频面签请求的面签审核人员，从而确保分配的面签审核人员是空闲的，减少客户的等待时间，提高面签效率。
本实施例提出的视频面签派工方法，通过提取查找到的审核银行中的面签审核人员的状态标注信息；通过面签审核人员的状态标注信息判断提取到的面签审核人员是否空闲；当所述面签审核人员的状态标注信息为空闲时，确定所述面签审核人员为空闲，否则，确定所述面签审核人员为不空闲；然后将空闲的面签审核人员作为进行分配的本次视频面签请求的面签审核人员，从而确保分配的面签审核人员是空闲的，减少客户的等待时间，提高面签效率。
进一步地，参照图3，基于本申请视频面签派工方法第一实施例提出本申请视频面签派工方法第三实施例。
在本实施例中，所述步骤S80之前的步骤，还包括：
步骤S90，查询各个面签审核人员的面签审核记录，及面签审核记录对应的贷款类型；
在本实施例中，在确定各个面签审核人员的状态之后，在进行分配之前，除了可以随机挑选进行分配的面签审核人员之外，还可以根据各个面签审核人员的审核记录挑选进行分配的面签审核人员，具体地，查询各个面签审核人员的面签审核记录，及面签审核记录对应的贷款类型。
步骤S100，将面签审核记录对应的贷款类型中，与当前视频面签请求类型一致的面签审核记录次数进行统计；
然后将查询到的面签审核记录对应的贷款类型与当前视频面签请求对应的贷款类型进行对比，然后将对比到的与当前视频面签请求对应的贷款类型，一致的贷款类型的面签审核记录次数进行统计，从而获知各个面签审核人员面签当前贷款类型的经验。
步骤S110，将各个面签审核人员统计得到的次数进行排序，选取面签审核记录次数最多的面签审核人员作为本次视频面签请求的面签审核人员。
然后将各个面签审核人员统计得到的审核当前视频面签请求对应的贷款类型的次数进行排序，然后选取面签审核记录次数最多的面签审核人员作为本次视频面签请求的面签审核人员，从而实现分配给客户的面签审核人员为较熟悉当前贷款类型的面签审核人员，从而提高面签效率。
本实施例提出的视频面签派工方法，通过查询各个面签审核人员的面签审核记录，及面签审核记录对应的贷款类型；然后将面签审核记录对应的贷款类型中，与当前视频面签请求类型一致的面签审核记录次数进行统计；将各个面签审核人员统计得到的次数进行排序，选取面签审核记录次数最多的面签审核人员作为本次视频面签请求的面签审核人员，从而实现分配给客户的面签审核人员为较熟悉当前贷款类型的面签审核人员，从而提高面签效率。
进一步地，参照图4，基于本申请视频面签派工方法第一实施例提出本申请视频面签派工方法第四实施例。
在本实施例中，所述步骤S10之后的步骤，还包括：
步骤S120，判断所述视频面签请求是否有多个；
在本实施例中，当接收到视频面签请求时，由于会存在同时有多个视频面签请求的情况，因此在接收到视频面签请求，并且获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息之后，可以进一步判断所述视频面签请求是否有多个。
步骤S130，若所述视频面签请求有多个，则根据所述视频面签请求对应的贷款订单信息及对应用户的身份信息对各个视频面签请求进行分配视频面签审核人员优先级排序；
若所述视频面签请求有多个，则根据所述视频面签请求对应的贷款订单信息及对应用户的身份信息对各个视频面签请求进行分配视频面签审核人员优先级排序，比如可以根据对应用户的身份信息查找各个用户的信用等级，然后根据客户的信用等级对各个视频面签请求进行分配视频面签审核人员优先级排序，其中，信用等级越高的客户，分配视频面签审核人员的优先级越高；或者根据贷款订单信息获取各个视频面签请求对应的贷款类型，然后根据所述贷款类型对各个视频面签请求进行分配视频面签审核人员优先级排序。
步骤S140，根据优先级最高的视频面签请求对应的贷款订单信息，获取客户进行贷款申请所在网点及贷款类型。
在获取得到各个视频面签请求进行分配视频面签审核人员的优先级排序之后，优先对优先级最高的视频面签请求进行处理，因此，首先根据优先级最高的视频面签请求对应的贷款订单信息，获取客户进行贷款申请所在网点及贷款类型，以便优先分配面签审核人员。
进一步地，参照图5，基于本申请视频面签派工方法第一实施例提出本申请视频面签派工方法第五实施例。
在本实施例中，所述步骤S30之后的步骤，还包括：
步骤S150，将查找到的审核银行按照距离所述贷款申请所在网点的长短进行排序；
在本实施例中，在根据贷款申请所在网点及对应用户的身份信息查找得到预设距离内的审核银行之后，可以进一步对查找得到的审核银行按照距离所述贷款申请所在网点的长短进行排序，因此，可以首先获取查找到的审核银行与所述贷款申请所在网点之间的距离，然后将获取到的距离进行排序。
步骤S160，按照距离的排序，根据所述贷款类型提取距离最小的审核银行中的面签审核人员。
然后按照距离的排序，根据所述贷款类型提取距离最小的审核银行中的面签审核人员。
进一步地，参照图6，基于本申请视频面签派工方法第一至第五任一实施例提出本申请视频面签派工方法第六实施例。
在本实施例中，所述步骤S40之后的步骤，还包括：
步骤S170，根据所述贷款订单信息及对应用户的身份信息填充贷款人描述，并根据所述贷款订单信息、对应用户的身份信息及贷款人描述，生成对应的页签；
在本实施例中，在将空闲的面签审核人员作为根据所述贷款类型提取查找到的审核银行中的面签审核人员之后，即可对所述视频面签请求进行面签审核，为了提高面签的效率，在获取到贷款订单信息及对应用户的身份信息之后，可以根据贷款订单信息及对应用户的身份信息进行分类，比如根据主贷款人、共同贷款人、主贷款人配偶、以及共同贷款人配偶的信息等进行分类，然后将各自的信息进行填充贷款人描述，然后根据所述贷款订单信息及对应用户的身份信息及贷款人描述，即可生成对应的页签，比如，主贷款人页签，共同贷款人页签等，进一步地，在生成页签之前，可以进一步配置单个页签的可关闭状态或者同时配置多个页签的可关闭状态，即设置用户点击对应的位置即可将对应的页签进行关闭，从而便于用户在对贷款人的信息进行审核之后，可以将对应的页签进行关闭，减少进行展示的页签，减少用户搜索对应贷款人的信息的时间，从而进一步提高面签审核的效率。
步骤S180，生成页签后, 自动将所述贷款人描述填充至页签中进行展示；
在生成页签之后，自动将所述贷款人描述填充至页签中，然后进行展示，具体地，进行展示的方式可以由用户进行展示，比如，排列展示，重叠展示等，在此不做限定。同时用户可以进一步对展示的顺序进行设置，比如当用户设置页签的展示方式为排列展示时，可以设置展示的顺序为从左到右展示的页签中，对应的贷款人描述为依次主贷款人、共同贷款人、主贷款人配偶、以及共同贷款人配偶的贷款人描述，从而便于用户进行查找，减少点击各个页签的次数，从而减少面签时间，提高面签效率。进一步地，在生成页签，并将对应的贷款人描述填充至页签中之后，面签审核人员即可根据页签中的贷款人描述对视频面签进行审核，具体可以将所述贷款人描述发送给对应的机构进行审核对比，从而验证各个贷款人的信息的真实性，比如将贷款人的身份信息发送至公安***进行对比审核等，从而确保贷款人的信息的真实性。
本实施例提出的视频面签派工方法，通过根据所述贷款订单信息及对应用户的身份信息填充贷款人描述，并根据所述贷款订单信息、对应用户的身份信息及贷款人描述，生成对应的页签；生成页签后, 自动将所述贷款人描述填充至页签中进行展示，从而减少获取贷款人信息的时间，提高面签效率。
进一步地，参照图7，基于本申请视频面签派工方法第六实施例提出本申请视频面签派工方法第七实施例。
在本实施例中，所述步骤S180之后的步骤，还包括：
步骤S190，将所述页签中的贷款人描述发送给公安***，以供所述公安***校验所述页签中的贷款人描述，并返回校验结果；
在本实施例中，进行视频面签审核的具体方式可以为将贷款人的信息发送至对应的机构进行检验信息的真实性，比如将所述页签中的贷款人描述发送给公安***，以供所述公安***校验所述页签中的贷款人描述，并返回校验结果，具体为将贷款人的身份信息，身份证拍照图像，贷款人脸部采集图像等信息发送至公安***，然后通过公安***对所述贷款人的身份信息，身份证拍照图像，贷款人脸部采集图像等信息进行审核检验，或者将贷款人的工作单位信息发送至对应的查询***，从而查询所述工作单位信息的真实性。
步骤S200，当根据所述校验结果确定所述页签中的贷款人描述通过校验后，发送提示消息给所述视频面签终端，以完成面签。
当将贷款人各项信息发送至对应的机构进行审核检验之后，当审核检验通过之后，需要将检验结果反馈至视频面签审核***，当视频面签审核***根据所述校验结果确定所述页签中的贷款人描述校验通过后，发送提示消息给所述视频面签终端，以完成面签。
本申请进一步提供一种视频面签派工装置，所述装置包括：
获取模块，用于当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；根据所述贷款订单信息及对应用户的身份信息，获取客户进行贷款申请所在网点及贷款类型；
分配模块，用于根据所述贷款申请所在网点查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员，将提取到的面签审核人员分配为本次视频面签请求的面签审核人员。
本申请视频面签派工装置的具体实施例与上述视频面签派工方法各实施例基本相同，在此不作赘述。
本申请进一步提供一种视频面签派工设备。
参照图8，图8为本申请实施例方案涉及的硬件运行环境的设备结构示意图。如图8所示，该视频面签派工设备可以包括：处理器1001，例如CPU，网络接口1002，用户接口1003，存储器1004。这些组件之间的连接通信可以通过通信总线实现。网络接口1002可选的可以包括标准的有线接口（用于连接有线网络）、无线接口（如WI-FI接口、蓝牙接口、红外线接口等，用于连接无线网络）。用户接口1003可以包括显示屏（Display）、输入单元比如键盘（Keyboard），可选用户接口1003还可以包括标准的有线接口（例如用于连接有线键盘、有线鼠标等）和/或无线接口（例如用于连接无线键盘、无线鼠标）。存储器1004可以是高速RAM存储器，也可以是稳定的存储器（non-volatile memory），例如磁盘存储器。存储器1004可选的还可以是独立于前述处理器1001的存储装置。可选地，该视频面签派工设备还可以包括摄像头、RF（Radio Frequency，射频）电路，传感器、音频电路、WiFi模块等等。本领域技术人员可以理解，图中示出的视频面签派工设备结构并不构成对视频面签派工设备的限定，可以包括比图示更多或更少的部件，或者组合某些部件，或者不同的部件布置。
如图8所示，作为一种计算机存储介质的存储器1004中可以包括操作***、网络通信模块、用户接口模块以及视频面签派工程序。其中，操作***是管理和控制视频面签派工设备硬件与软件资源的程序，支持网络通信模块、用户接口模块、视频面签派工程序以及其他程序或软件的运行；网络通信模块用于管理和控制网络接口1002；用户接口模块用于管理和控制用户接口1003。
在图8所示的视频面签派工设备中，网络接口1002主要用于连接数据库，与数据库进行数据通信；用户接口1003主要用于连接客户端（可以理解为用户端），与客户端进行数据通信，如通过窗口展示信息给客户端，或者接收客户端发送的操作信息；而处理器1001可以用于执行存储器1004中存储的视频面签派工程序，以实现上述视频面签派工方法实施例的步骤。
本申请还提供了一种计算机可读存储介质，所述计算机可读存储介质存储有一个或者多个程序，所述一个或者多个程序可被一个或者多个处理器执行，以实现上述视频面签派工方法实施例的步骤。
还需要说明的是，在本文中，术语“包括”、“包含”或者其任何其他变体意在涵盖非排他性的包含，从而使得包括一系列要素的过程、方法、物品或者装置不仅包括那些要素，而且还包括没有明确列出的其他要素，或者是还包括为这种过程、方法、物品或者装置所固有的要素。在没有更多限制的情况下，由语句“包括一个……”限定的要素，并不排除在包括该要素的过程、方法、物品或者装置中还存在另外的相同要素。
通过以上的实施方式的描述，本领域的技术人员可以清楚地了解到上述实施例方法可借助软件加必需的通用硬件平台的方式来实现，当然也可以通过硬件，但很多情况下前者是更佳的实施方式。基于这样的理解，本申请的技术方案本质上或者说对现有技术做出贡献的部分可以以软件产品的形式体现出来，该计算机软件产品存储在一个存储介质（如ROM/RAM、磁碟、光盘）中，包括若干指令用以使得一台终端设备（可以是手机，计算机，服务器，空调器，或者网络设备等）执行本申请各个实施例的方法。
以上仅为本申请的优选实施例，并非因此限制本申请的专利范围，凡是利用本申请说明书及附图内容所作的等效结构或等效流程变换，或直接或间接运用在其他相关的技术领域，均同理包括在本申请的专利保护范围内。

Claims (20)

  1. 一种视频面签派工方法，其特征在于，所述方法包括以下步骤：
    当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；
    根据所述贷款订单信息，获取客户进行贷款申请所在网点及贷款类型；
    根据所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员；
    将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员。
  2. 如权利要求1所述的视频面签派工方法，其特征在于，所述根据所述贷款类型提取查找到的审核银行中的面签审核人员的步骤之后，还包括：
    提取查找到的审核银行中的面签审核人员的状态标注信息；
    通过面签审核人员的状态标注信息判断提取到的面签审核人员是否空闲；
    当所述面签审核人员的状态标注信息为空闲时，确定所述面签审核人员为空闲，否则，确定所述面签审核人员为不空闲；
    将空闲的面签审核人员作为进行分配的本次视频面签请求的面签审核人员。
  3. 如权利要求1所述的视频面签派工方法，其特征在于，所述将空闲的面签审核人员作为进行分配的本次视频面签请求的面签审核人员的步骤之前，还包括：
    查询各个面签审核人员的面签审核记录，及面签审核记录对应的贷款类型；
    将面签审核记录对应的贷款类型中，与当前视频面签请求类型一致的面签审核记录次数进行统计；
    将各个面签审核人员统计得到的次数进行排序，选取面签审核记录次数最多的面签审核人员作为本次视频面签请求的面签审核人员。
  4. 如权利要求1所述的视频面签派工方法，其特征在于，所述获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息的步骤之后，还包括：
    判断所述视频面签请求是否有多个；
    若所述视频面签请求有多个，则根据所述视频面签请求对应的贷款订单信息及对应用户的身份信息对各个视频面签请求进行分配视频面签审核人员优先级排序；
    根据优先级最高的视频面签请求对应的贷款订单信息，获取客户进行贷款申请所在网点及贷款类型。
  5. 如权利要求1所述的视频面签派工方法，其特征在于，所述根据所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行的步骤之前，还包括：
    将查找到的审核银行按照距离所述贷款申请所在网点的长短进行排序；
    按照距离的排序，根据所述贷款类型提取距离最小的审核银行中的面签审核人员。
  6. 如权利要求1所述的视频面签派工方法，其特征在于，所述将空闲的面签审核人员作为根据所述贷款类型提取查找到的审核银行中的面签审核人员的步骤之后，还包括：
    根据所述贷款订单信息及对应用户的身份信息填充贷款人描述，并根据所述贷款订单信息、对应用户的身份信息及贷款人描述，生成对应的页签；
    生成页签后, 自动将所述贷款人描述填充至页签中进行展示。
  7. 如权利要求6所述的视频面签派工方法，其特征在于，所述将所述贷款人描述填充至页签中进行展示的步骤之后，还包括：
    将所述页签中的贷款人描述发送给公安***，以供所述公安***校验所述页签中的贷款人描述，并返回校验结果；
    当根据所述校验结果确定所述页签中的贷款人描述通过校验后，发送提示消息给所述视频面签终端，以完成面签。
  8. 一种视频面签派工装置，其特征在于，所述装置包括：
    获取模块，用于当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；根据所述贷款订单信息及对应用户的身份信息，获取客户进行贷款申请所在网点及贷款类型；
    分配模块，用于根据所述贷款申请所在网点查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员，将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员。
  9. 一种视频面签派工设备，其特征在于，所述视频面签派工设备包括视频面签派工程序，所述视频面签派工程序被所述视频面签派工设备执行时实现如下步骤：
    当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；
    根据所述贷款订单信息，获取客户进行贷款申请所在网点及贷款类型；
    根据所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员；
    将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员。
  10. 如权利要求9所述的视频面签派工设备，其特征在于，所述视频面签派工程序被所述视频面签派工设备执行时，还实现如下步骤：
    提取查找到的审核银行中的面签审核人员的状态标注信息；
    通过面签审核人员的状态标注信息判断提取到的面签审核人员是否空闲；
    当所述面签审核人员的状态标注信息为空闲时，确定所述面签审核人员为空闲，否则，确定所述面签审核人员为不空闲；
    将空闲的面签审核人员作为进行分配的本次视频面签请求的面签审核人员。
  11. 如权利要求9所述的视频面签派工设备，其特征在于，所述视频面签派工程序被所述视频面签派工设备执行时，还实现如下步骤：
    查询各个面签审核人员的面签审核记录，及面签审核记录对应的贷款类型；
    将面签审核记录对应的贷款类型中，与当前视频面签请求类型一致的面签审核记录次数进行统计；
    将各个面签审核人员统计得到的次数进行排序，选取面签审核记录次数最多的面签审核人员作为本次视频面签请求的面签审核人员。
  12. 如权利要求9所述的视频面签派工设备，其特征在于，所述视频面签派工程序被所述视频面签派工设备执行时，还实现如下步骤：
    判断所述视频面签请求是否有多个；
    若所述视频面签请求有多个，则根据所述视频面签请求对应的贷款订单信息及对应用户的身份信息对各个视频面签请求进行分配视频面签审核人员优先级排序；
    根据优先级最高的视频面签请求对应的贷款订单信息，获取客户进行贷款申请所在网点及贷款类型。
  13. 如权利要求9所述的视频面签派工设备，其特征在于，所述视频面签派工程序被所述视频面签派工设备执行时，还实现如下步骤：
    将查找到的审核银行按照距离所述贷款申请所在网点的长短进行排序；
    按照距离的排序，根据所述贷款类型提取距离最小的审核银行中的面签审核人员。
  14. 如权利要求9所述的视频面签派工设备，其特征在于，所述视频面签派工程序被所述视频面签派工设备执行时，还实现如下步骤：
    根据所述贷款订单信息及对应用户的身份信息填充贷款人描述，并根据所述贷款订单信息、对应用户的身份信息及贷款人描述，生成对应的页签；
    生成页签后, 自动将所述贷款人描述填充至页签中进行展示。
  15. 如权利要求14所述的视频面签派工设备，其特征在于，所述视频面签派工程序被所述视频面签派工设备执行时，还实现如下步骤：
    将所述页签中的贷款人描述发送给公安***，以供所述公安***校验所述页签中的贷款人描述，并返回校验结果；
    当根据所述校验结果确定所述页签中的贷款人描述通过校验后，发送提示消息给所述视频面签终端，以完成面签。
  16. 一种计算机可读存储介质，其特征在于，所述计算机可读存储介质上存储有视频面签派工程序，所述视频面签派工程序被处理器执行时，以实现如下步骤：
    当接收到视频面签请求时，获取与所述视频面签请求对应的贷款订单信息及对应用户的身份信息；
    根据所述贷款订单信息，获取客户进行贷款申请所在网点及贷款类型；
    根据所述贷款申请所在网点及对应用户的身份信息查找预设距离内的审核银行，并根据所述贷款类型提取查找到的审核银行中的面签审核人员；
    将提取到的面签审核人员中空闲的面签审核人员分配为本次视频面签请求的面签审核人员。
  17. 如权利要求16所述的计算机可读存储介质，其特征在于，所述视频面签派工程序被处理器执行时，还实现以下步骤：
    提取查找到的审核银行中的面签审核人员的状态标注信息；
    通过面签审核人员的状态标注信息判断提取到的面签审核人员是否空闲；
    当所述面签审核人员的状态标注信息为空闲时，确定所述面签审核人员为空闲，否则，确定所述面签审核人员为不空闲；
    将空闲的面签审核人员作为进行分配的本次视频面签请求的面签审核人员。
  18. 如权利要求16所述的计算机可读存储介质，其特征在于，所述视频面签派工程序被处理器执行时，还实现以下步骤：
    查询各个面签审核人员的面签审核记录，及面签审核记录对应的贷款类型；
    将面签审核记录对应的贷款类型中，与当前视频面签请求类型一致的面签审核记录次数进行统计；
    将各个面签审核人员统计得到的次数进行排序，选取面签审核记录次数最多的面签审核人员作为本次视频面签请求的面签审核人员。
  19. 如权利要求16所述的计算机可读存储介质，其特征在于，所述视频面签派工程序被处理器执行时，还实现以下步骤：
    判断所述视频面签请求是否有多个；
    若所述视频面签请求有多个，则根据所述视频面签请求对应的贷款订单信息及对应用户的身份信息对各个视频面签请求进行分配视频面签审核人员优先级排序；
    根据优先级最高的视频面签请求对应的贷款订单信息，获取客户进行贷款申请所在网点及贷款类型。
  20. 如权利要求16所述的计算机可读存储介质，其特征在于，所述视频面签派工程序被处理器执行时，还实现以下步骤：
    将查找到的审核银行按照距离所述贷款申请所在网点的长短进行排序；
    按照距离的排序，根据所述贷款类型提取距离最小的审核银行中的面签审核人员。
PCT/CN2018/074995 2017-12-08 2018-02-01 视频面签派工方法、装置、设备及可读存储介质 WO2019109520A1 (zh)

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