An intelligent financial risk control method and a system for mobile phone rental service
A risk control and business technology, applied in the field of intelligent financial risk control, can solve the problems of limited number of rules, fraud, company losses, etc., and achieve the effect of reducing capital losses
Active Publication Date: 2019-03-15
ZHEJIANG UNIV
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However, it turns out that this method will still cause great losses to the company. According to the analysis of order data from 2017 to 2018, there are still about 10% of fraudulent application orders in this method. The disadvantages of being limited and unable to comprehensively evaluate the individual behaviors of users and the relationship between individual behaviors among users
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[0052] The present invention will be further described in detail below with reference to the accompanying drawings and embodiments. It should be noted that the following embodiments are intended to facilitate the understanding of the present invention, but do not limit it in any way.
[0053] Such as figure 1 As shown, the intelligent financial risk control system of the embodiment of the present invention includes a data processing module, an order identification module and a fraud early warning module, and its workflow is as follows figure 2 As shown, the details are as follows: After obtaining the data, perform preprocessing operations such as data cleaning and feature engineering to obtain basic features and data for graph modeling; then use the graph modeling data to construct heterogeneous graphs, and perform statistical graph features Extraction; then use heterogeneous graphs to fold into isomorphic graphs, and obtain graph embedding features through deep walk; use dep...
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The invention relates to the field of financial risk control, in particular to an intelligent financial risk control method and system for mobile phone leasing service. The method comprises the following steps: data cleaning and characteristic engineering are carried out on the data of new order and historical order to obtain the basic characteristics and graph model construction data of each order. Adopting the graph model of historical order to construct heterogeneous graph and extract graph features; Obtaining isomorphism from heterogeneous graphs and obtaining graph embedding features; Thebasic features, graph features and graph embedding features of historical orders are input to the depth factorizer model for training. The graph model of the new order is put into the heterogeneous graph and the graph features and graph embedding features of the new order are extracted. Three features of the new order are input to the depth factorizer model for detection, and an alert is issued if the output label is fraudulent. This method utilizes artificial intelligence algorithm to realize the detection of fraudulent application order, which is helpful for enterprises to reduce the capital loss caused by fraud.
Description
technical field [0001] The invention relates to the field of financial risk control, in particular to an intelligent financial risk control method and system for mobile phone leasing business. Background technique [0002] In recent years, China's online lending industry has grown rapidly. According to statistics, in 2017, about 2,000 online lending companies completed more than 200 billion RMB transactions within 10 months. On the one hand, huge loans help to provide financial services to the consumer market; on the other hand, since such financial services are aimed at people without guarantees and collaterals that are not included in traditional credit services, they are vulnerable to fraudsters, if there is no With proper risk control procedures, the relevant losses that the loan company will bear may be quite large. [0003] In many offline financial institutions, such as banks, traditional models such as the logistic regression-based scorecard developed by FICO are st...
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Login to View More IPC IPC(8): G06Q30/00G06Q30/06
CPCG06Q30/0185G06Q30/0645
Inventor 陈建海胡思昊储蓉蓉袁嘉琪何钦铭王志鹏
Owner ZHEJIANG UNIV