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Model training and risk identification method, device and equipment

A technology of risk identification and model training, applied in the computer field, can solve the problem of low accuracy of risk control strategies and achieve the effect of ensuring safety

Pending Publication Date: 2019-05-21
ADVANCED NEW TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] This manual provides a method of model training to solve the problem of low accuracy in the risk identification process of artificially configured risk control strategies in the prior art

Method used

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  • Model training and risk identification method, device and equipment
  • Model training and risk identification method, device and equipment
  • Model training and risk identification method, device and equipment

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Experimental program
Comparison scheme
Effect test

Embodiment Construction

[0043] In the prior art, the risk control strategy used for risk identification of business is usually configured artificially based on business experience. However, due to the relatively large subjective factors of the risk control strategies determined artificially, these risk control strategies often cannot effectively complete the risk identification work.

[0044] In order to effectively solve the above problems, this specification provides a method for model training and risk identification, which can determine the topology representing the historical business relationship between users according to the historical business relationship between users and the preset graph calculation method Graph, according to the topological structure formed by each vertex in the topological graph, determine the feature vector of each vertex, and then train the risk identification model according to the determined eigenvector of each vertex and the predetermined historical risk results cor...

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Abstract

The invention discloses a model training and risk identification method, device and equipment. The method comprises the steps of determining a topological graph representing a historical business relationship between users according to a preset risk identification model, determining a feature vector of each vertex according to a topological structure formed by each vertex in the topological graph,and training the risk identification model according to the determined feature vector of each vertex and a predetermined historical risk result corresponding to each user. In the risk identificationprocess, the feature vector of each user participating in the service can be determined, and risk identification is carried out on the service according to the determined feature vector and a pre-trained risk identification model.

Description

technical field [0001] This description relates to the field of computer technology, in particular to a method, device and equipment for model training and risk identification. Background technique [0002] In order to ensure the safety of personal information or property of users when performing transfers, transactions, etc., the service platform will currently identify risks in the business performed by users, and will promptly remind users when risks are identified in the business performed by users. [0003] In the prior art, the risk control strategy based on the risk identification of the business performed by the user is usually configured manually. Generally, risk control personnel need to configure a corresponding risk control strategy based on some historical risk control data and actual risk control experience, so as to identify the risks of the business performed by the user through the risk control strategy, and when the business performed by the user is identif...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06
Inventor 曹绍升杨新星周俊李小龙
Owner ADVANCED NEW TECH CO LTD