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Method and device for identifying trusted transaction

A transaction and credible technology, applied in the field of data processing, can solve problems such as reducing the buyer's repayment willingness, affecting the buyer's credit record, etc., to achieve the effect of improving security

Active Publication Date: 2018-08-03
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Cashing out will not only affect the buyer's personal credit record, but also the existence of handling fees will often reduce the buyer's willingness to repay, resulting in overdue or even old-fashioned situations

Method used

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  • Method and device for identifying trusted transaction
  • Method and device for identifying trusted transaction
  • Method and device for identifying trusted transaction

Examples

Experimental program
Comparison scheme
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Embodiment Construction

[0019] The embodiment of this specification proposes a new method for identifying credible transactions, using the characteristic information of the samples in the transaction sample set to generate transaction sample vectors, and combining several credible transaction sample vectors and several untrustworthy transaction sample vectors to form a reliable Belief vector set and untrusted vector set, to treat the judgment transaction, obtain the characterization vector according to its characteristic information, calculate the credible similarity between the characterization vector and the trusted vector set and the untrusted similarity of the untrusted vector set, and Identify whether the transaction to be determined is a trusted transaction according to the trusted similarity and the untrusted similarity. The embodiment of this specification uses the characteristic information of the transaction, and can accurately identify trusted transactions based on a small amount of transac...

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Abstract

The invention provides a method for identifying a trusted transaction. The method comprises the steps that at least one piece of feature information of a transaction to be determined is used to generate a characterization vector of the transaction to be determined; the trusted similarity between the characterization vector of the transaction to be determined and a trusted vector set and the untrusted similarity between the characterization vector of the transaction to be determined and an untrusted vector set are calculated; the trusted vector set comprises a number of trusted transaction sample vectors; the untrusted vector set comprises a number of untrusted transaction sample vectors; the transaction sample vectors are generated according to the feature information of samples in a transaction sample set; and whether the transaction to be determined is a trusted transaction is determined based on the trusted similarity and the untrusted similarity.

Description

technical field [0001] This specification relates to the technical field of data processing, and in particular to a method and device for identifying trusted transactions. Background technique [0002] With the explosive emergence of consumer credit products in the consumer finance market and the continuous improvement of product functions, the continuous expansion of access groups, and the continuous increase of credit lines, it has become more and more important to use consumer credit products for online and offline consumer payments. The more popular payment methods and payment trends. The attributes of consumer credit products, which are consumption first and payment later, can effectively relieve the short-term financial pressure of users and help individuals accumulate good credit records. [0003] However, the existence of malicious cash-out poses a great threat to this virtuous circle. Cash-out buyers form numerous cash-out closed-loop networks with cash-out interm...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 赵奇
Owner ADVANCED NEW TECH CO LTD