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Risk assessment method and device based on association network, equipment and storage medium

A technology related to network and risk assessment, applied in the computer field, can solve problems such as inability to assess user risks, save storage space and improve processing efficiency.

Pending Publication Date: 2021-04-16
度小满科技(北京)有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, none of the existing risk assessment methods can fully and accurately assess the user's risk

Method used

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  • Risk assessment method and device based on association network, equipment and storage medium
  • Risk assessment method and device based on association network, equipment and storage medium
  • Risk assessment method and device based on association network, equipment and storage medium

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Embodiment Construction

[0028] In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described embodiments It is a part of the embodiments of this application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without creative efforts fall within the protection scope of this application.

[0029] In various fields, it is necessary to conduct a risk assessment on users (same as the target object below) to determine whether the target object will bring greater risks when conducting business activities. For example, in different fields, business behavior can It is the behavior in the fields of transaction, lending, network security and so on.

[...

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Abstract

The invention provides a risk assessment method and device based on an association network, equipment and a storage medium, and the method comprises the steps: obtaining a target community of a target node in the association network, wherein the target node is a node, corresponding to a to-be-assessed target object, in the association network, and the target community is composed of a plurality of nodes with the association degree greater than a preset value; acquiring community features of a target community, wherein the community features are determined based on the features of each node in the target community; inputting the community features and the first features into a risk assessment model to obtain a risk assessment result of the target object, wherein the risk assessment model is obtained by training based on a neural network model, Wherein the first feature is determined based on the features of the n-order neighbor nodes of the target node, so that the risk of the target object is comprehensively and accurately evaluated.

Description

technical field [0001] The present application relates to the field of computer technology, and in particular to a risk assessment method, device, device and storage medium based on an association network. Background technique [0002] At present, the Internet and big data are often used to conduct risk assessments on users who need to conduct business activities, so as to avoid the greater risks brought by the users when conducting business activities. For example, first, identify the risk of the user by analyzing the characteristics of the user; second, if there is a user whose risk is greater than the preset value among the users who have an associated relationship with the user, it is determined that the risk of the user is high. When there is no user whose risk is greater than the preset value among the users, it is determined that the risk of the user is low. [0003] However, none of the existing risk assessment methods can fully and accurately assess the user's risk...

Claims

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Application Information

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IPC IPC(8): G06Q40/02G06N3/04G06N3/08
Inventor 鲁海生严澄杨青
Owner 度小满科技(北京)有限公司
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