Abnormal user identification method and equipment

An identification method and user technology, applied in the field of information processing, can solve the problems of increasing the investment risk of financial institutions and the inability to protect funds, and achieve the effect of reducing investment risk.

Pending Publication Date: 2018-10-02
PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] In view of this, the embodiment of the present invention provides an abnormal user identification method and equipment to solve the problem that the existing abnormal user identification method cannot effectively protect funds and increase the investment risk of financial institutions

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  • Abnormal user identification method and equipment
  • Abnormal user identification method and equipment
  • Abnormal user identification method and equipment

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Embodiment Construction

[0024] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0025] The embodiment of the present invention obtains the user information of each user in the user database, and determines the associated users of each user based on the user information, and builds a user relationship network, and determines the initial value of the credit coefficient of each user through the user relationship network. The initial value of the credit coefficient will be related to the credit coefficient of the user's associated users, that is, the credit coefficients between associated users are mutually influential, not independent, and then identify each transaction record to ...

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Abstract

The invention relates to the information processing technical field, and provides an abnormal user identification method and equipment; the method comprises the following steps: obtaining user information of each user in a user database; determining a matching rate between the users according to the user information, and tagging two users with the matching rate greater than a matching threshold asassociated users; creating a user relation network according to associated users of each user; gathering transaction behavior records of each user if the present moment satisfies preset user state updating conditions, and determining a credit adjusting coefficient of each transaction behavior record; adjusting the credit coefficient of each user node according to the credit adjusting coefficientand an initial value; selecting users with the credit coefficient smaller than the credit threshold as abnormal users. The method can identify finance frauds in a grouping mode; once certain member inthe group conducts an illegal deal, the method can immediately determine other criminal members in the group, thus effectively protecting funds of the financial mechanism.

Description

technical field [0001] The invention belongs to the technical field of information processing, and in particular relates to a method and equipment for identifying abnormal users. Background technique [0002] With the continuous development of the economy, the frequency of users initiating transaction operations to various financial institutions is also increasing, and financial institutions need to process a large number of transaction requests every day. Existing abnormal user identification methods generally determine whether the user is an abnormal user based on the transaction behavior of each user, and the process of identifying abnormal users is independent of each other. However, some unscrupulous users often illegally defraud financial institutions of investment funds in the form of group fraud. The above methods cannot identify users in the fraudulent group, and require each user in the group to initiate abnormal operations on the financial institution, resulting i...

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/06
CPCG06Q10/0635G06Q40/06
Inventor 任钢林
Owner PINGAN PUHUI ENTERPRISE MANAGEMENT CO LTD
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