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Risk management model training method and apparatus

A model training and model technology, applied in the field of data processing, can solve problems such as user property loss, interference with the normal operation of payment services, and increase in the possibility of complaints, and achieve the effect of reducing the complaint rate

Inactive Publication Date: 2017-06-20
MIGU INTERACTIVE ENTERTAINMENT CO LTD
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Problems solved by technology

For example, when the user's account is deducted by the partner through illegal methods such as collection and hidden deduction, it will cause the user to suffer property losses and cause user complaints; The payment business is running normally; in addition, some users who are more sensitive to the consumption situation will increase the possibility of complaints when the deduction of the payment business exceeds the sensitive value

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  • Risk management model training method and apparatus
  • Risk management model training method and apparatus
  • Risk management model training method and apparatus

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Embodiment Construction

[0038] In order to understand the characteristics and technical content of the present invention in more detail, the implementation of the present invention will be described in detail below in conjunction with the accompanying drawings. The attached drawings are only for reference and description, and are not intended to limit the present invention.

[0039] figure 1 It is a flow chart of the implementation of the risk control model training method in the embodiment of the present invention, such as figure 1 As shown, the risk control model training method provided by the embodiment of the present invention includes:

[0040] Step 101, acquiring a first historical data set of known results, where the first historical data set includes account information of an abnormal user.

[0041] Step 102, select the primary model with the highest fitting degree according to the type of account information.

[0042] Step 103, using the primary model to adjust the dimensions of the accou...

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Abstract

The invention discloses a risk management model training method. The method comprises: a first historical data group of known results is obtained, wherein the first historical data group includes account information of an abnormal user; according to the type of the account information, a data mining model with a highest fitting degree is selected as a first stage model; dimensionality of account information in first historical data is adjusted by using the first stage model to generate a second historical data group; and after the first stage model is trained by using a first data set in the second historical data group, the first stage model is verified by using a second data set in the second historical data group and a risk management model is selected based on a verification result, wherein the risk management model is used for identifying an abnormal user in telephone bill payment. In addition, the invention also discloses a risk management model training apparatus. With the method and apparatus, a complaint rate can be reduced.

Description

technical field [0001] The invention relates to data processing technology, in particular to a method and device for training a risk control model. Background technique [0002] During the operation of network and telecommunications payment services, payment exceptions may occur. For example, when the user's account is deducted by the partner through illegal methods such as collection and hidden deduction, it will cause the user to suffer property losses and cause user complaints; The payment business is running normally; in addition, some users who are more sensitive to the consumption situation will increase the possibility of complaints when the deduction of the payment business exceeds the sensitive value. [0003] Only by accurately identifying the abnormal users that appear during the operation of the network and telecommunications payment services, can timely take corresponding measures for the abnormal users. Contents of the invention [0004] In order to solve t...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/38G06Q10/06G06F17/30
CPCG06F16/2465G06F2216/03G06Q10/0635G06Q20/382
Inventor 王慧袁峰周振生
Owner MIGU INTERACTIVE ENTERTAINMENT CO LTD
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