Account risk identification method and device

A risk identification and account technology, applied in the field of communications, can solve problems such as discreteness and inability to meet the needs of transaction risk prevention, and achieve the effect of improving sensitivity and accuracy

Active Publication Date: 2017-11-03
ADVANCED NEW TECH CO LTD
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Problems solved by technology

However, in the existing transaction risk prevention system, the characteristic variables used in the training phase of the trans

Method used

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  • Account risk identification method and device
  • Account risk identification method and device
  • Account risk identification method and device

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Experimental program
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Embodiment Construction

[0060] In the existing transaction risk prevention system, it is usually possible to provide a large number of risk accounts as training samples, and extract risk characteristics from these risk transactions as characteristic variables for training, so as to construct risk prediction and evaluation for user's transaction accounts transaction model.

[0061] When using the transaction model to predict and evaluate the risk of the user's transaction account, the transaction characteristics that are the same as the risk characteristic dimensions used when building the transaction model can be extracted from the transactions initiated by the user as feature variables, and then input into the transaction model based on the transaction The calculation is performed by the algorithm of the model, and the risk prediction and evaluation of this transaction is carried out through the calculation result (usually the probability value that the transaction is a risk transaction).

[0062] H...

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Abstract

The invention provides an account risk identification method and device. The method comprises the steps that a user behavior sequence is generated based on operation behavior data of a target account within a preset duration; the user behavior sequence comprises a plurality of data nodes ordered according to occurrence time; risk identification features of all the data nodes in the behavior sequence are extracted; the extracted risk identification features of all the data nodes are used as input data, and the input data is input into a preset long and short term memory (LSTM) model for calculation, wherein the preset LSTM model is obtained through sample training based on the risk identification features extracted from the user behavior sequence of a plurality of risk accounts; and risk identification is performed on the target account based on a calculation result output by the LSTM model. Through the account risk identification method and device, the sensitivity and accuracy of performing risk assessment on the target account can be overall improved.

Description

technical field [0001] The present application relates to the communication field, and in particular to a method and device for identifying account risks. Background technique [0002] In the existing transaction risk prevention system, transaction models have been widely used to prevent risks. By providing a large number of risk transactions as training samples, and extracting risk features from these risk transactions for training, a transaction model is constructed, and then the completed transaction model is used to predict and evaluate the risk of the user's transaction account. However, in the existing transaction risk prevention system, the characteristic variables used in the training phase of the transaction model are usually some discrete features, which have gradually failed to meet the actual transaction risk prevention needs. Contents of the invention [0003] This application proposes an account risk identification method, which includes: [0004] Generate ...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/4016G06N3/049G06N3/08G06N3/044G06N3/045
Inventor 洪满伙
Owner ADVANCED NEW TECH CO LTD
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