User risk classification method, apparatus, medium and apparatus based on machine learning

A classification method and risk scoring technology, applied in the fields of instruments, computer parts, character and pattern recognition, etc., can solve the problems of inaccuracy, insufficient user characteristic data, and single classification results of classification models.

Pending Publication Date: 2019-02-15
CHINA PING AN LIFE INSURANCE CO LTD
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Problems solved by technology

[0007] The purpose of the present disclosure is to provide a user risk classification method, device, medium and equipment based on machine learning, and then at least to a certain extent overcome the

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  • User risk classification method, apparatus, medium and apparatus based on machine learning
  • User risk classification method, apparatus, medium and apparatus based on machine learning
  • User risk classification method, apparatus, medium and apparatus based on machine learning

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[0060] Example embodiments will now be described more fully with reference to the accompanying drawings. However, the example embodiments can be implemented in various forms, and should not be construed as being limited to the examples set forth herein; on the contrary, the provision of these embodiments makes the present disclosure more comprehensive and complete, and fully conveys the concept of the example embodiments To those skilled in the art. The described features, structures or characteristics can be combined in one or more embodiments in any suitable way. In the following description, many specific details are provided to give a sufficient understanding of the embodiments of the present disclosure. However, those skilled in the art will realize that the technical solutions of the present disclosure can be practiced without one or more of the specific details, or other methods, components, devices, steps, etc. can be used. In other cases, the known technical solution...

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Abstract

The invention discloses a user risk classification method, apparatus, medium based on machine learning, belonging to the technical field of artificial intelligence. The method comprises the followingsteps: firstly, static characteristic data of a user which is not combined with network behavior and dynamic characteristic data which is combined with network behavior are obtained; Then, inputting the above two kinds of feature data into a pre-trained stochastic forest model after the target feature data is removed and the user risk level is output. Secondly, inputting the feature data after removing the feature data from the above two feature data and the user risk grade output from the stochastic forest model into the pre-trained logistic regression model and then the user risk score is outputted. Finally, classifying users according to the user risk rating output by the stochastic forest model and the user risk rating output by the logistic regression model. The invention classifies the user risk by using the user static characteristic and the dynamic characteristic data through the machine learning model, and effectively improves the accuracy of the risk classification.

Description

technical field [0001] The present disclosure relates to the field of artificial intelligence, in particular, to a user risk classification method, device, medium and equipment based on machine learning. Background technique [0002] User risk refers to the possibility that the user may suffer losses due to external factors or internal factors caused by the user's own behavior in a certain environment and within a certain period of time; the classification of user risk is based on the user's operating environment Under the external factors and internal factors, user risks are evaluated according to the possibility of risk. [0003] The existing user scoring system is basically a scorecard model based on user attributes or black-and-white list classification. Such an evaluation method based on static attribute information that does not combine user network behavior is not conducive to evaluating the risk of users in platforms with a large number of users. It will cause one-s...

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Application Information

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IPC IPC(8): G06K9/62
CPCG06F18/21G06F18/24
Inventor 于洋马宁
Owner CHINA PING AN LIFE INSURANCE CO LTD
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