Risk pre-warning method for cyber-loan platform and related device

A risk warning and platform technology, applied in the computer field, can solve problems such as misjudgment, unfavorable analysis and judgment, and low accuracy, so as to avoid losses, improve evaluation accuracy, and improve accuracy

Inactive Publication Date: 2018-05-04
连连银通电子支付有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, since the obtained data are processed manually, they often have a low degree of correlation with the risk coefficient and cannot accurately reflect the real situation, which is not conducive to relevant analysis and

Method used

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  • Risk pre-warning method for cyber-loan platform and related device
  • Risk pre-warning method for cyber-loan platform and related device
  • Risk pre-warning method for cyber-loan platform and related device

Examples

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Embodiment Construction

[0045] The core of this application is to provide a risk early warning method, risk early warning device, server, and computer-readable storage medium for an online lending platform. The data captured from related websites is subjected to feature processing and trained to obtain a risk assessment model, which realizes Risk assessment of the online loan platform and model training through time series features can learn the risk changes of the online loan platform on a larger time scale, improve the assessment accuracy of the risk assessment model, further improve the accuracy of risk warning, and avoid Losses due to changes in risk.

[0046] In order to make the purposes, technical solutions and advantages of the embodiments of the present application clearer, the technical solutions in the embodiments of the present application will be clearly and completely described below in conjunction with the drawings in the embodiments of the present application. Obviously, the described ...

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Abstract

The invention discloses a risk pre-warning method for a cyber-loan platform. The risk pre-warning method includes the steps of capturing index data, operational risk data, and social evaluation data from a related website; processing the index data and the social evaluation data to obtain time-order characteristics, and performing characteristic selection on the time-order characteristics to obtain available characteristics; performing machine learning according to the available characteristics to obtain a risk assessment model; using the risk assessment model to judge whether the cyber-loan platform is in a high-risk state; and if yes, performing pre-warning operation. The risk assessment model is obtained by performing characteristic processing training on the data captured from the website, and model training is performed through the time-order characteristics so that risk changes of the cyber-loan platform can be learnt on a larger time scale, the risk pre-warning accuracy is improved, and the loss caused by the risk changes is avoided. The invention further discloses a risk pre-warning device for the cyber-loan platform, a server and a computer-readable storage medium, which have the above beneficial effects.

Description

technical field [0001] The present application relates to the field of computer technology, and in particular to a risk warning method, a risk warning device, a server, and a computer-readable storage medium for an online lending platform. Background technique [0002] With the rapid development of the Internet, Internet technology and the service industry continue to combine, deriving all kinds of Internet services. Among them, the development of online loan platforms is particularly prominent, and with the development of the mobile Internet, online loan platforms have brought great convenience to users' lives. [0003] With the development of the industry and the increasing number of competitors and users, it is becoming more and more important for managers to control the risks of online lending platforms. Usually, in the risk control of the online lending platform, the risk warning for the software is the most important link, which is the prerequisite for risk control of...

Claims

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Application Information

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IPC IPC(8): G06Q10/04G06Q10/06G06Q40/08
CPCG06Q10/04G06Q10/0635G06Q40/08
Inventor 黄峰范能科奚程瑜陈佳伟
Owner 连连银通电子支付有限公司
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