Looking for breakthrough ideas for innovation challenges? Try Patsnap Eureka!

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
View PDF6 Cites 36 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

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.

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Account risk identification method and device
  • Account risk identification method and device
  • Account risk identification method and device

Examples

Experimental program
Comparison scheme
Effect test

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...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

PUM

No PUM Login to View More

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

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to View More

Application Information

Patent Timeline
no application Login to View More
IPC IPC(8): G06Q20/40G06Q40/02
CPCG06Q20/4016G06N3/049G06N3/08G06N3/044G06N3/045
Inventor 洪满伙
Owner ADVANCED NEW TECH CO LTD
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Patsnap Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Patsnap Eureka Blog
Learn More
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic, Popular Technical Reports.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap|About US| Contact US: help@patsnap.com