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Business risk prevention and control method, device and equipment

A business and risk technology applied in the field of information

Active Publication Date: 2019-04-09
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, in some businesses, the risky link is often outside the business system. For example, in the cash loan business, the user is deceived and transfers the funds obtained from the loan to a malicious third party through his own bank card.
At this time, it is difficult for the business side to collect a large amount of effective risk business data to train the model for risk prevention and control

Method used

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  • Business risk prevention and control method, device and equipment
  • Business risk prevention and control method, device and equipment
  • Business risk prevention and control method, device and equipment

Examples

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Embodiment Construction

[0034] At present, the online loan business (including micro-credit, cash loan, etc.) is developing more and more rapidly. The ensuing problem is that this also provides criminals with more platforms to commit crimes, and millions of fraudulent losses occur every day, especially the fraud prevention and control costs of this type of cash loan are higher.

[0035] The risk of online loan business has two characteristics: 1. It involves a large amount of funds and the perpetrators sell stolen goods abroad through multiple systems. The perpetrators often guide users to lend money to their own bank cards, and then defraud users of cash by inducing transfers outside the user system (such as online banking transfers); 2. The data of the reported black sample is incomplete, because users generally report cases for transactions with funds transferred out of the business system, and a considerable number of users are deceived. It is pointed out that the number of cases reported in this...

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Abstract

The invention discloses a business risk prevention and control method, device and equipment. A first training sample set and a second training sample set are summarized to form a mixed training sampleset, and each training sample is endowed with a corresponding sampling weight. And then corresponding model training is carried on the training sample set to obtain a classification model, and an error recognition rate of the classification to the first training sample is calculated. And then the sampling weights of the first training sample and the second training sample in the training sample set are continuously adjusted based on the error recognition rate, so that a target classification model with certain accuracy on the first training sample can be finally obtained, and accurate risk control defense can be carried out on the first service according to the target classification model.

Description

technical field [0001] The embodiments of this specification relate to the field of information technology, and in particular, to a business risk prevention and control method, device, and equipment. Background technique [0002] With the development of network technology, more and more businesses related to user funds and credit are conducted online (for example, payment or loan), and correspondingly there are many business risks (for example, online fraud). Risk control is often an integral part of business processes. [0003] At present, in the process of risk control, the common method is to collect a large amount of business data (including business data with risks and normal business data), conduct supervised / semi-supervised / unsupervised machine learning, and obtain a corresponding classification model, so that Automatically conduct timely risk judgments on ongoing online businesses. In this approach, collecting a large amount of effective business data is the founda...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K9/62G06Q10/06
CPCG06Q10/0635G06F18/24G06F18/214
Inventor 郝静云
Owner ADVANCED NEW TECH CO LTD
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