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Abnormal service identification method and device

A recognition method and business technology, applied in character and pattern recognition, instruments, finance, etc., can solve problems such as increasing bank transaction risks, bank losses, and inability to accurately identify abnormal businesses, so as to reduce bank transaction risks and potential losses Effect

Pending Publication Date: 2021-07-09
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

At present, it is difficult to predict business transfer costs based on historical data in a long historical period, and largely depends on human subjective factors. Therefore, it is impossible to accurately identify abnormal businesses, which will increase bank transaction risks and bring losses to banks.

Method used

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  • Abnormal service identification method and device
  • Abnormal service identification method and device

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Embodiment Construction

[0027] 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.

[0028] Those skilled in the art know that the embodiments of the present invention can be implemented as a system, device, device, method or computer program product. Therefore, the present disclosure can be embodied in the form of complete hardware, complete software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0029] In view of the fact that the existing technology cannot identify abnormal business, w...

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Abstract

The invention provides an abnormal service identification method and device, and belongs to the technical field of artificial intelligence. The abnormal service identification method comprises the steps of obtaining current feature data of a service, and inputting the current feature data into a service classification model created based on historical feature data to obtain a service type; inputting the current feature data into a business transfer cost integration model which corresponds to the business type and is created based on historical feature data and historical business transfer cost, and obtaining business transfer prediction cost; and outputting an abnormal service according to a comparison result of the service transfer prediction cost and a preset early warning threshold range. According to the invention, the abnormal business can be early warned in time, the bank transaction risk is reduced, and the potential loss caused by business abnormity is reduced.

Description

technical field [0001] The present invention relates to the technical field of artificial intelligence, in particular to a method and device for identifying abnormal services. Background technique [0002] When considering the cost of business products, banking institutions should not only consider the general cost level of the market and peers horizontally, but also vertically consider the potential costs brought about by internal and external risk factors in the business. At present, it is difficult to predict business transfer costs based on historical data in a long historical period, and largely depends on human subjective factors. Therefore, it is impossible to accurately identify abnormal businesses, which will increase bank transaction risks and bring losses to banks. . Contents of the invention [0003] The main purpose of the embodiments of the present invention is to provide a method and device for identifying abnormal services, and provide early warnings for a...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K9/62G06N20/20G06Q40/02
CPCG06N20/20G06Q40/03G06F18/24323G06F18/214
Inventor 于思远温丽明帅翡芍郑洁锋
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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