A method and apparatus for risk decision

A risk decision-making and risk technology, applied in the field of data processing, can solve the problems of low accuracy of risk assessment conclusions, no closed-loop risk control process, single data, etc., to improve accuracy and reference, improve the degree of standardization, and improve the reference effect of value

Pending Publication Date: 2019-01-15
PING AN TECH (SHENZHEN) CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

Traditional risk decision-making services have problems such as non-localized deployment, no visual reports, and no closed-loop risk control process. More importantly, the data for risk assessment is single, and the risk assessment conclusions obtained have low accuracy and low reference value.

Method used

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  • A method and apparatus for risk decision
  • A method and apparatus for risk decision
  • A method and apparatus for risk decision

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Embodiment Construction

[0069] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the protection scope of the present invention.

[0070] Reference herein to an "embodiment" means that a particular feature, structure, or characteristic described in connection with the embodiment can be included in at least one embodiment of the present invention. The presentation of this phrase in various places in the specification are not necessarily all referring to the same embodiment, nor are independent or alternative embodiments mutually exclusive of other embodiments. It is understood explicitly a...

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Abstract

The embodiment of the invention discloses a risk decision method and a risk decision device, wherein, the risk decision method comprises the following steps: monitoring an electronic device of a userand obtaining risk-related data in the electronic device; parameterizing the risk-related data to obtain the standard parameters suitable for the rule engine; importing the standard parameters into the rule engine to obtain the risk rating; making risk decisions based on risk ratings. By adopting the invention, the generation of risk decision can be influenced through standardization of risk related data, rule engine processing and risk rating, and the adopted parameters and rule engine improve the comprehensiveness and normalization of risk rating, and the accuracy and referenceability of risk decision can be improved through risk rating.

Description

technical field [0001] The invention relates to the field of data processing, in particular to a risk decision-making method and device. Background technique [0002] Risk control means that risk managers take various measures and methods to eliminate or reduce the various possibilities of risk events, or risk controllers reduce the losses caused by risk events. In Internet finance, many transaction payments, loans, guarantees, or other financial activities are involved. In order to identify risks in financial transactions and make risk control or anti-fraud responses in advance, it is necessary to perform risk ratings on users and make relevant risk assessments. decision making. [0003] The third-party risk decision-making service is an important service in the financial industry. It can provide decision-making reference for companies when making capital loans or capital guarantees, and is crucial to capital security. Traditional risk decision-making services have proble...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/00
CPCG06Q10/0635G06Q40/00
Inventor 徐竑张轶何艳茹
Owner PING AN TECH (SHENZHEN) CO LTD
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