VOICE-BASED PERSONAL CREDIT ASSESSMENT METHOD AND APPARATUS, TERMINAL AND STORAGE MEDIUM

摘要

A voice-based personal credit assessment method and apparatus, a terminal and a storage medium, relating to the technical field of artificial intelligence. The method comprises: acquiring the voice of a user (S11); extracting a voiceprint feature vector in the voice (S12); identifying a dialect of the user according to the voiceprint feature vector (S13); identifying the gender and the age of the user according to the voice (S14); generating a user personal information report according to the dialect, the gender and the age of the user (S15); outputting a user credit assessment result after comparing the user personal information report with personal data of the user (S16). According to the method, the voice of the user is subjected to information extraction and analysis of a plurality of dimensions, the gender, the age and the area of the user can be genuinely and comprehensively reflected by the extracted information of the plurality of dimensions, and finally, when in comparison with the personal data, the assessed personal credit accuracy is higher, more comprehensive and objective. The present invention can be used in smart government affairs to promote the construction of smart cities. The present invention is also applicable to the field of financial technology.