Fraud risk early warning method, device and equipment

A risk early warning and target customer technology, applied in the field of computer information, can solve problems such as low forecast accuracy, achieve the effect of avoiding wrong intervention and improving forecast accuracy

Pending Publication Date: 2022-03-04
CHINA CONSTRUCTION BANK
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  • Abstract
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  • Claims
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Problems solved by technology

[0006] The embodiment of the present invention provides a fraud risk early warning method, device and equipment, which solves the low prediction accuracy caused by using the basic data provided by the customer and the subjective evaluation of the bank account manager to predict the customer's fraud risk in the prior art technical issues

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  • Fraud risk early warning method, device and equipment
  • Fraud risk early warning method, device and equipment

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Embodiment Construction

[0025] The present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, but not to limit the present invention. In addition, it should be noted that, for the convenience of description, only some structures related to the present invention are shown in the drawings but not all structures.

[0026] It should be noted that the terms "first" and "second" in the specification, claims and drawings of the present invention are used to distinguish different objects, rather than to limit a specific order. The following embodiments of the present invention may be implemented independently, or may be implemented in combination with each other, which is not specifically limited in the embodiments of the present invention.

[0027] figure 1 It is a flow chart of a fraud risk early warning method provided by an ...

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Abstract

The invention relates to the technical field of computer information, and discloses a fraud risk early warning method, device and equipment, and the method comprises the steps: carrying out the scoring of a target customer from at least two dimensions based on the obtained credit data of the target customer, and obtaining a fraud early warning score of the target customer, the dimension is determined and obtained based on at least one of the following dimension determination basis: basic information of the customer, credit information of the customer and bank behavior information of the customer; and displaying and outputting a fraud risk early warning result table of the target customer based on the fraud early warning score of the target customer. According to the method and the device, the technical problem of relatively low prediction accuracy caused by predicting the fraud risk of the customer by using basic data provided by the customer and subjective evaluation of a bank customer manager in the prior art is solved, and the technical effect of predicting the current fraud risk of the customer from multiple dimensions is realized; the error intervention caused by human subjective evaluation is avoided, and the prediction accuracy is improved.

Description

technical field [0001] The embodiments of the present invention relate to the field of computer information technology, and in particular to a fraud risk early warning method, device and equipment. Background technique [0002] The bank's fraud risk prediction for customers usually refers to the unified financial and non-financial indicators and standards, with the solvency and repayment willingness as the core, from the perspective of credit performance, solvency, profitability, operation and development capabilities etc., to conduct a comprehensive evaluation of the fraud risk of the customer. At present, the main basis for domestic banks to predict customers' fraud risks is the basic information provided by customers and the subjective analysis and evaluation of customers by bank account managers. However, this method of fraud risk prediction has the following defects: [0003] 1) The basic information and data provided by customers may be distorted. In order to obtain c...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 伏峰
Owner CHINA CONSTRUCTION BANK
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