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Risk assessment method and device and storage medium thereof

A technology of risk assessment and risk assessment model, applied in the fields of devices and their storage media, risk assessment methods, and can solve problems such as high cost, high misjudgment rate, information lag, etc.

Pending Publication Date: 2019-09-03
TENCENT TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] The purpose of this disclosure is to overcome the problems of information lag, huge cost and high misjudgment rate caused by risk assessment of credit application users using the installation list of financial management and loan mobile applications, and improve the accuracy of risk assessment at a lower cost sex and efficiency

Method used

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  • Risk assessment method and device and storage medium thereof
  • Risk assessment method and device and storage medium thereof
  • Risk assessment method and device and storage medium thereof

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Embodiment Construction

[0069] Exemplary embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete and will fully convey the concept of example embodiments. communicated to those skilled in the art. In the drawings, the size of some elements may be exaggerated or deformed for clarity. The same reference numerals in the drawings denote the same or similar structures, and thus their detailed descriptions will be omitted.

[0070] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of embodiments of the present disclosure. However, one skilled in the art...

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Abstract

The invention provides a risk assessment method and device, and a storage medium. The method comprises the steps of receiving an identification code of a mobile device from a terminal device; acquiring installation and use information of the application program corresponding to the identification code and generating category information of the application program; and generating a risk assessmentlevel corresponding to the identification code based on the installation and use information of the application program and the category information, and sending the risk assessment level to the terminal device. According to the method disclosed by the invention, category division and portrait drawing are carried out on the application programs of the users who carry out credit application based on the information, and multi-dimensional portrait drawing is carried out based on the financial consumption habits of the users who carry out credit application, so that the accurate evaluation resultof the credit and fraud risks of the users who carry out credit application can be obtained.

Description

technical field [0001] The present disclosure relates to the field of information assessment, and in particular, to a risk assessment method, device and storage medium. Background technique [0002] With the loosening of credit policies, the number of small cash loan users and the scale of loan demand are increasing. Due to the lack of historical investigation of detailed credit records of credit applicants, it is difficult for credit institutions to make effective assessments of credit and fraud risks of credit applicants, which brings difficulties to the risk control of credit funds. [0003] Long-term loan users mainly exist in the cash loan crowd, who cannot get suitable financial products and services from banks and other financial institutions. However, due to the relaxation of credit policies and the emergence of many small loan companies and online loan platforms, cash loan users mainly conduct small loans on online loan platforms with lower application thresholds. ...

Claims

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Application Information

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IPC IPC(8): G06Q10/06G06Q40/02
CPCG06Q10/0635G06Q40/03
Inventor 吴艳
Owner TENCENT TECH (SHENZHEN) CO LTD
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