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A risk identification method and device

A risk identification and risk technology, applied in character and pattern recognition, protocol authorization, data processing applications, etc., can solve problems such as low accuracy and inability to identify user risks, and achieve high accuracy

Active Publication Date: 2019-03-29
ADVANCED NEW TECH CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The embodiment of the present application provides a risk identification method and device, which are used to solve the problem that the accuracy of identifying whether the user is a risk user based on the existing risk identification strategy is low, resulting in the inability to effectively identify the risk of the user

Method used

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  • A risk identification method and device
  • A risk identification method and device
  • A risk identification method and device

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Embodiment Construction

[0035] In risk identification, the probability that a user is a risk user can be obtained based on a prediction model, and then, whether the user is a risk user can be identified based on a pre-established risk identification strategy. Wherein, the risk identification strategy can be understood as a rule, which can determine whether a user is a risk user according to the probability that the user is a risk user.

[0036] For example, the risk identification strategy can be that when the probability that the user is a risk user (value range is 0 to 1) is greater than or equal to 0.9, the user is a risk user; then, when the probability that the user is a risk user is 0.8, it can be considered that the user does not belong to Risky users, when the probability that the user is a risky user is 0.9, it can be considered that the user is a risky user.

[0037] However, the existing risk identification strategies are usually formulated by decision makers based on experience, and the a...

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Abstract

The invention discloses a risk identification method and device. The method comprises the following steps: obtaining a risk characteristic value of a user to be identified, wherein the risk characteristic value is used for characterizing the probability that the user to be identified belongs to a risk user; acquiring risk characteristic information of the user to be identified, wherein the risk characteristic information is used to characterize the information related to the risk in the information of the user to be identified; acquiring a pre-trained risk identification model, wherein the risk identification model is obtained based on risk eigenvalues of different users, risk characteristic information and real label training; identifying whether the user to be identified belongs to a risk user according to the risk characteristic value, the risk characteristic information and the risk identification model of the user to be identified.

Description

technical field [0001] The present application relates to the field of risk control, in particular to a risk identification method and device. Background technique [0002] In risk identification, the prediction model can usually be pre-trained based on sample data. During risk identification, the prediction result can be obtained based on the data of the user to be identified and the pre-trained prediction model. The prediction result can indicate that the user to be identified is a risk user The probability. [0003] In order to further determine whether the user to be identified is a risk user, a risk identification strategy can usually be formulated. Based on the risk identification strategy and the prediction results, it can be determined whether the user to be identified is a risk user. However, the existing risk identification strategies are usually formulated by decision-makers based on experience, and the accuracy is low, resulting in the inability to effectively i...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06K9/62
CPCG06Q20/4016
Inventor 袁锦程王维强许辽萨赵闻飙易灿叶芸
Owner ADVANCED NEW TECH CO LTD
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