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Method and device for assessing transaction behaviors of users

A behavior and transaction technology, applied in data processing applications, instruments, finance, etc., can solve the problems of increasing risk control costs, not realizing user behavior differentiation restrictions, not being refined and flexible enough, and reducing losses.

Inactive Publication Date: 2018-03-27
深圳市分期乐网络科技有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] However, the above method uses real-time judgment, which increases the cost of risk control, and is not refined and flexible enough, and does not achieve differentiated restrictions on user behavior

Method used

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  • Method and device for assessing transaction behaviors of users
  • Method and device for assessing transaction behaviors of users
  • Method and device for assessing transaction behaviors of users

Examples

Experimental program
Comparison scheme
Effect test

Embodiment A

[0048] figure 1The flow chart of the method for evaluating the user's transaction behavior provided by the embodiment of the present invention, this embodiment is applicable to the process that the user initiates the transaction behavior through the transaction platform of the installment shopping mall, and the method can be implemented by the device for evaluating the user's transaction behavior Execution, the device can be implemented by software, hardware or a combination of the two, and can be a server of a financial institution, a computer, etc., specifically including the following steps:

[0049] Step 101, receiving the user ID and transaction behavior ID sent by the trading platform, the user ID is used to mark the user, and the transaction behavior ID is used to mark the transaction behavior;

[0050] The installment shopping mall provides users with a brand-new e-commerce installment consumption scenario, which is an Internet-based e-commerce model. The transaction ...

Embodiment B

[0065] image 3 Schematic diagram of the structure of the device for evaluating the user's transaction behavior provided by the embodiment of the present invention, such as image 3 As shown, the device is applied in the process of the user initiating transaction behavior through the transaction platform of the installment shopping mall. The device includes a receiving module 11, a query module 12, a behavior acquisition module 13 and an evaluation module 14, wherein the receiving module 11 uses To receive the user identification and transaction behavior identification sent by the trading platform, the user identification is used to mark the user, and the transaction behavior identification is used to mark the transaction behavior; query module 12 is used to query the user identification The binding user tag and the effective lifespan of the user tag; the behavior acquisition module 13 is used to obtain the behavior corresponding to the user tag according to the pre-configured...

Embodiment C

[0073] Figure 6 A schematic structural diagram of a computer device provided by an embodiment of the present invention, such as Figure 6 As shown, the computer equipment includes a processor 40, a memory 41, an input device 42 and an output device 43; the number of processors 40 in the computer equipment can be one or more, Figure 6 Take a processor 40 as an example; the processor 40, memory 41, input device 42 and output device 43 in the computer equipment can be connected by bus or other methods, Figure 6 Take connection via bus as an example.

[0074]The memory 41, as a computer-readable storage medium, can be used to store software programs, computer-executable programs and modules, such as the program instructions / modules corresponding to the method for evaluating the user's transaction behavior in the embodiment of the present invention (for example, evaluating the user's The receiving module 11, the query module 12, the behavior acquisition module 13 and the evalu...

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PUM

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Abstract

The invention discloses a method and device for assessing transaction behaviors of users. The method for assessing transaction behaviors of users comprises the following steps of: receiving a user identifier and a transaction behavior identifier sent by a transaction platform; querying a user label bound with the user identifier and an effective life of the user label; when the user label does notlose efficacy, obtaining behavior information corresponding to the user label according to a pre-configured corresponding relationship between labels and behaviors, wherein the behavior information comprises a behavior identifier and a solution for a behavior marked by the behavior identifier, and the solution comprises any one of behavior execution permission, behavior execution forbidding and alimit of behavior execution permission; and when the behavior information comprises the transaction behavior identifier, obtaining a solution corresponding to the transaction behavior identifier so as to obtain an assessment result. The method and device are capable of carrying out refined management on users, adjusting individual user-oriented risk control management in real time, carrying out prevention and decreasing the loss.

Description

technical field [0001] Embodiments of the present invention relate to risk control technology, and in particular to a method and device for evaluating user's transaction behavior. Background technique [0002] Post-loan management refers to the whole process of credit management from the issuance of loans or other credit business to the recovery of principal and interest or the end of credit. [0003] At present, the post-loan management for users is mainly to judge whether there is risk in user behavior through risk control rules in real time, add risky users to the blacklist, limit their business scope, or even freeze accounts, and add high-quality users to the whitelist to provide them with More diverse and high-quality business services. [0004] However, the above method uses real-time judgment, which increases the cost of risk control, and is not refined and flexible enough, and does not achieve differentiated restrictions on user behavior. Contents of the invention...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04
CPCG06Q40/04G06Q40/03
Inventor 胡亮饶晓云
Owner 深圳市分期乐网络科技有限公司
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