Account analysis method, device and storage medium

An analysis method and account technology, applied in the field of machine learning, can solve problems such as low efficiency, insufficient timely identification of risky users, and losses

Inactive Publication Date: 2018-11-13
上海银赛计算机科技有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The embodiment of the present disclosure provides an account analysis method, device and storage medium, which can solve the problem of low efficiency when identifying risk users, and usually a certain degree of loss has been caused when risk users are identified, and the identification of risk users is not enough timely question

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  • Account analysis method, device and storage medium
  • Account analysis method, device and storage medium
  • Account analysis method, device and storage medium

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Embodiment Construction

[0083] Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, the same numerals in different drawings refer to the same or similar elements unless otherwise indicated. The implementations described in the following exemplary examples do not represent all implementations consistent with the present disclosure. Rather, they are merely examples of apparatuses and methods consistent with aspects of the present disclosure as recited in the appended claims.

[0084] It is to be understood that both the foregoing general description and the following detailed description are exemplary only and are not restrictive of the present disclosure.

[0085] First, explain the nouns involved in the embodiments of the present application:

[0086] Risk account: A risk account refers to an account that conducts arbitrage through illegal means. Optional...

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Abstract

The invention discloses an account analysis method, device and storage medium, and belongs to the field of the machine learning. The method comprises the following steps: acquiring a financial producttransaction record of a to-be-analyzed account in the latest preset duration; determining account data of the to-be-analyzed account; inputting the account data into a preset decision tree model, wherein the preset decision tree model is the model obtained through the training of a preset training set, the preset training set comprises a risk account and a non-risk account and corresponding account data, and the risk account is the account for performing interest arbitrage through an illegal way; and outputting through the preset decision tree model to obtain the risk condition of the to-be-analyzed account. The preset decision tree model is obtained by training the decision tree model in advance, and the preset decision tree model is used for predicting whether the to-be-analyzed accountis the risk account, the analysis efficiency on the to-be-analyzed account is improved, the to-be-analyze account can be predicted as the risk account before the to-be-analyzed account causes a lossto the financial company, and the timeliness for identifying the risk user is improved.

Description

technical field [0001] The present disclosure relates to the field of machine learning, and in particular to an account analysis method, device and storage medium. Background technique [0002] In financial products companies, ensuring the financial security of users is a top priority. Usually, before guaranteeing the financial security of the user, it is necessary to determine whether the user is a risk user or a non-risk user. Among them, a risk user refers to a user who may obtain benefits through illegal financial transactions, or a user who damages the interests of other users through illegal financial transactions. [0003] When identifying risky users, the administrator usually observes the user's data. When the user's data is obviously abnormal, the user is considered a risky user and the financial transactions of the user are restricted. [0004] Then, the efficiency of identifying risk users by the above method is low, and usually a certain degree of loss has bee...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q20/40
CPCG06Q20/4016
Inventor 李凤辉
Owner 上海银赛计算机科技有限公司
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