Risk identification method and device

A technology of risk identification and basic data, applied in the field of risk identification system based on machine learning, to reduce the false alarm rate, improve the level of risk management, and ensure the safety of customer funds

Active Publication Date: 2018-12-14
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Abstract
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Problems solved by technology

[0003] In order to solve the problem of identifying fraud risks in existing transactions, the present in

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  • Risk identification method and device

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Embodiment Construction

[0030] The following will clearly and completely describe the technical solutions in the embodiments of the present invention with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only some, not all, embodiments of the present invention. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative efforts fall within the protection scope of the present invention.

[0031] According to an embodiment of the present invention, a risk identification method and device are proposed, specifically a machine learning-based risk identification method and device.

[0032] figure 1 It is a flow chart of the steps of the risk identification method in the embodiment of the present invention, refer to figure 1 , the risk identification method of this embodiment, comprising: S100, acquiring the basic data of the customer and the basic data of the accou...

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Abstract

The embodiment of the invention provides a risk identification method and a device. The method comprises the following steps: acquiring the basic data of a customer and the basic data of an account; constructing a financial transaction relationship network according to customer basic data and account basic data; defining multiple meta-path patterns according to the types of financial transaction relationship networks and nodes; according to the multiple meta-path patterns and attribute basic data, calculating the feature representation of the target entity in the financial transaction relationship network; forming a training data set according to the relationship network eigenvector and the sample data; according to the training data set, training and determining the risk assessment modelby a machine learning method; calculating the feature representation and risk assessment model of the query object, and calculating the risk score of the query object.

Description

technical field [0001] The present invention relates to the field of machine learning, in particular to a risk identification system and method based on machine learning. Background technique [0002] With the rapid development of the Internet and mobile communication technology, online transactions have shown explosive growth. Online channels have brought great convenience to customers, and at the same time, the risk of online fraud has also increased rapidly. The current fraud risk identification system is mainly evaluated through the combination of business rule engine and model engine. However, the current model engine is mainly based on individual behavior and attributes, such as the transaction behavior of a single customer or account, and the profile information of a single customer. With the continuous growth of big data, as well as the increasing internal dependence and complexity of data, network relationships are ubiquitous, such as personal social networks, tran...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06Q10/06G06Q40/04
CPCG06Q10/0635G06Q20/4016G06Q40/04
Inventor 贾玉红仲海港张宝华黄炳游枫
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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