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Risk precision method and device

A risk prediction and equipment technology, applied in data processing applications, instruments, calculations, etc., can solve problems such as high resource risk index and affect resource transfer efficiency of resource service platforms, and achieve the effect of reducing risk index and improving transfer efficiency

Inactive Publication Date: 2017-05-31
ALIBABA GRP HLDG LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0007] In view of this, the embodiment of the present application provides a risk prediction method and device, which are used to solve the problem in the prior art that the resource risk index of the resource service platform is relatively high, which affects the resource transfer efficiency of the resource service platform

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Embodiment Construction

[0021] In order to achieve the purpose of this application, the embodiment of this application provides a risk prediction method and device, which acquires resource data related to the user to be processed, and the resource data contains information used to characterize the user to be processed. The overdue time of the delayed release of the resource when the resource is used and the resource amount used to characterize the overdue release of the resource when the pending user uses the acquired resource; according to the resource data Including the overdue time and the resource amount of the overdue released resource, calculate the characteristic value used to characterize the resource credit of the user to be processed; according to the characteristic value, predict that the user to be processed will use the allocated resource risks of.

[0022] From the two perspectives of overdue time and the amount of resources released overdue, comprehensively judge the degree of overdue ...

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Abstract

The invention discloses a risk prediction method and a device. The method comprises steps of acquiring resource data related to a to-be-processed user; according to overdue time contained in the resource data and data quantity of overdue released sources, calculating a feature value used for representing resource credit size of the to-be-processed user; and according to the feature value, predicting risks to use the distributed resources by the to-be-processed user. According to the invention, based on the overdue time and the resource quantity of the overdue released resources, the degree that the distributed resources used by the user becomes overdue is comprehensively judged, so the resource credit degree of the user is determined, the relatively precise resource credit degree can be obtained, the risks for the user can be precisely predicted according to the obtained resource credit degree, and a resource service platform distributes resources for the user according to the calculated resource credit degree, so risk indexes of the resource service platform can be effectively reduced and the circulation efficiency of the resources of the resource service platform is improved.

Description

technical field [0001] The present application relates to the technical field of Internet information processing, and in particular to a risk prediction method and equipment. Background technique [0002] With the rapid development of science and technology, various resource service platforms have emerged, such as resource sharing platforms and resource storage platforms. These resource service platforms can allocate resources to users according to the needs of users, so that users can use the obtained resources to perform various services, which greatly facilitates the daily life of users. [0003] In order to better provide resource services for users, the resource service platform can determine the resource attributes of the user according to the user behavior data generated by the user on the resource service platform, and determine the number of resources allocated to the user according to the resource attributes of the user. Quantity represents the amount of resources...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06
CPCG06Q10/06312G06Q10/0635
Inventor 席炎李文鹏王晓光施兴谢峰陶冶赵科科
Owner ALIBABA GRP HLDG LTD
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