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Method and device for determining high-risk users

A high-risk, user-friendly technology, applied in the computer field, can solve problems such as omissions, difficulty in ensuring accuracy, and difficulty in meeting rapid business development, and achieve the effect of improving recognition efficiency and judgment accuracy

Inactive Publication Date: 2018-11-13
ADVANCED NEW TECH CO LTD
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  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

However, this method is very inefficient and difficult to meet the needs of rapid business development; moreover, the accuracy of identifying high-risk users and high-risk events depends on the experience of the salesperson who manually audits, the accuracy is difficult to guarantee, and omissions often occur

Method used

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  • Method and device for determining high-risk users
  • Method and device for determining high-risk users
  • Method and device for determining high-risk users

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Embodiment approach

[0086] According to one embodiment, the event judging unit 720 is configured to: compare the user information of the first user with the above-mentioned multiple judging rules; when the comparison result meets a predetermined condition, judge the service request event as a high-risk event.

[0087] Further, in one embodiment, the device 700 further includes a manual review unit (not shown), or is connected to an external manual review unit. In such a case, the event judging unit 720 is further configured to, when judging that the business request event is a high-risk event based on the exception rule set, also send the above business request event to the manual review unit, and from the manual review The unit receives verification results. Specifically, when the event judging unit 720 further receives the first verification result, it determines that the business request event is a high-risk event, wherein the first verification result is that the business request event is ver...

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Abstract

Embodiments of the invention provide a method and a device for determining high-risk users. The method comprises the steps of firstly, based on an exception rule set, determining a high-risk businessrequest event, and a corresponding first user with a high risk; and then carrying out risk diffusion based on a crowd relation graph, and adding a second user with a specific association relation withthe first user in the graph, as the high-risk user, into a high-risk user set. Further, the exception rule set can be updated based on the high-risk user set. Therefore, the high-risk users can be identified more efficiently.

Description

technical field [0001] One or more embodiments of this specification relate to the field of computer technology, and in particular, to a method and device for determining high-risk users through a computer. Background technique [0002] With the development of computer and Internet technology, more and more businesses are realized through computing platforms, such as commodity transactions, money payments, financial lending, insurance claims and so on. However, in the execution and processing of many businesses, if the background of the business requester and the requested business are not reviewed, it is likely to bring greater risks. For example, some criminals may use electronic platforms to carry out financial fraud and borrow money. Cash out, insurance fraud, etc. [0003] In conventional technologies, in order to prevent and reduce the above-mentioned risks, risk review is often performed manually. In some platforms, some simple rules are also set to assist manual ju...

Claims

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Application Information

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IPC IPC(8): G06Q10/06
CPCG06Q10/0635G06Q40/00
Inventor 王修坤
Owner ADVANCED NEW TECH CO LTD
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