Financial service risk assessment method, risk control server and storage medium

A risk assessment and business technology, applied in finance, instruments, character and pattern recognition, etc., can solve the problems of inaccurate risk control assessment results and insufficient self-learning ability of risk control models.

Pending Publication Date: 2019-04-26
深圳平安财富宝投资咨询有限公司
View PDF0 Cites 12 Cited by
  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to provide a risk assessment method for financial business, a risk control server and a computer-readable stor

Method used

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
View more

Image

Smart Image Click on the blue labels to locate them in the text.
Viewing Examples
Smart Image
  • Financial service risk assessment method, risk control server and storage medium
  • Financial service risk assessment method, risk control server and storage medium
  • Financial service risk assessment method, risk control server and storage medium

Examples

Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0069] It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0070] Please refer to figure 1 , figure 1 It is a schematic diagram of the hardware structure of the risk control server 100 in various embodiments of the present invention. The risk control server 100 can be a computer device, a server, or a risk control system dedicated to risk assessment. The risk control server 100 provided by the present invention may include components such as a communication module 10 , a memory 20 , and a processor 30 . Wherein, the processor 30 is respectively connected to the memory 20 and the communication module 10 , the memory 20 stores a computer program, and the computer program is executed by the processor 30 at the same time.

[0071] The communication module 10 can be connected with external devices through the network. The communication module 10 can receive requests from extern...

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

PUM

No PUM Login to view more

Abstract

The invention discloses a financial business risk assessment method, a risk control server side and a storage medium. The method comprises the steps of obtaining a preset number of risk assessment sample data of sample users; Performing clustering analysis on the risk assessment sample data by using a K-means algorithm to obtain K sample categories and sample data corresponding to the sample categories; Before a financial business handling request is received, risk assessment data of a user is obtained, and according to the risk assessment data and a sample type, the sample type to which the risk assessment data belongs is determined; Adding the risk assessment data into the sample data corresponding to the determined sample category to form new sample data; Calculating the new sample datathrough a decision tree algorithm to derive a decision condition; And updating the decision tree model according to the decision conditions, and evaluating the risk probability of the financial business through the updated decision tree model. According to the invention, the self-learning capability of the risk control model is improved, and the accuracy of risk control evaluation is improved.

Description

technical field [0001] The invention relates to the field of risk control, in particular to a risk assessment method for financial business, a risk control server and a computer-readable storage medium. Background technique [0002] Risk control, referred to as risk control, means that risk managers adopt various methods and measures to eliminate or reduce the possibility of risk events, so as to achieve the purpose of reducing losses caused by risk events. The first step in risk control is to assess the possibility of risk events. [0003] When traditional risk control evaluates the possibility of risk events, it mainly judges based on various business rules that have been set. For example, a user being blacklisted belongs to a business rule that directly determines that the incidence rate of risk events is 100%. Assuming that user A is blacklisted, the traditional risk control evaluation system will consider that the occurrence rate of risk events corresponding to user A ...

Claims

the structure of the environmentally friendly knitted fabric provided by the present invention; figure 2 Flow chart of the yarn wrapping machine for environmentally friendly knitted fabrics and storage devices; image 3 Is the parameter map of the yarn covering machine
Login to view more

Application Information

Patent Timeline
no application Login to view more
IPC IPC(8): G06Q40/00G06K9/62
CPCG06Q40/00G06F18/23213G06F18/24
Inventor 廖明宇彭迪
Owner 深圳平安财富宝投资咨询有限公司
Who we serve
  • R&D Engineer
  • R&D Manager
  • IP Professional
Why Eureka
  • Industry Leading Data Capabilities
  • Powerful AI technology
  • Patent DNA Extraction
Social media
Try Eureka
PatSnap group products

Browse by: Latest US Patents, China's latest patents, Technical Efficacy Thesaurus, Application Domain, Technology Topic.

© 2024 PatSnap. All rights reserved.Legal|Privacy policy|Modern Slavery Act Transparency Statement|Sitemap