Risk assessment method and device for target transaction
A risk assessment and target technology, applied in the field of risk assessment, can solve problems such as poor performance of the prediction model and insufficient data volume for training the prediction model, and achieve the effect of improving accuracy and improving accuracy
Active Publication Date: 2019-11-05
ADVANCED NEW TECH CO LTD
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Problems solved by technology
However, due to different reasons, some service platforms, for example, have just launched, etc., the amount of data used to train the prediction model is insufficient, resulting in poor performance of the trained prediction model
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[0023] Multiple embodiments disclosed in this specification will be described below in conjunction with the accompanying drawings.
[0024] As mentioned above, there is an urgent need for a reliable solution that can implement risk assessment of transactions on the service platform based on limited historical transaction data on the service platform. In addition, the inventors also found that although some service platforms (hereinafter referred to as target domain service platforms) have little or no historical transaction data, some service platforms (hereinafter referred to as source domain service platforms) platform), such as a service platform that has been in operation for many years, has rich historical transaction data and has corresponding risk labels. However, because there is usually a difference in data distribution between the transaction data in the target domain service platform and the transaction data in the source domain service platform, this difference lea...
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The embodiment of the invention provides a risk assessment method for a target transaction, and the method comprises the steps: firstly inputting first original transaction data in a target domain service platform into a first feature mapping model, and obtaining first simulation transaction data for simulating the transaction data in a source domain service platform; then, inputting the first simulated transaction data into a second feature mapping model to obtain first restored transaction data simulating the first original transaction data; then, determining the similarity between the firstoriginal transaction data and the first restored transaction data; then, based on the similarity, at least training a first feature mapping model; wherein the first feature mapping model is used forconverting transaction data of a to-be-assessed target transaction in the target domain service platform into simulated transaction data, and then inputting the simulated transaction data into a riskassessment model obtained by training at least based on transaction data in the second service platform, thereby correspondingly obtaining a risk assessment result for the target transaction.
Description
technical field [0001] The embodiment of this specification relates to improving the algorithmic framework of machine learning, which is applied to the technical field of risk assessment, and specifically relates to a risk assessment method and device for target transactions, and a method and device for classifying target samples. Background technique [0002] People are using the services provided in various service platforms more and more frequently, which will generate a large number of transactions. Furthermore, the service platform hopes to conduct a risk assessment of the transactions that occur therein, so as to decide whether to intervene in the transaction based on the assessment results. For example, when the transaction risk is assessed to be low, the transaction is allowed to complete successfully; , the user is required to perform identity authentication, and when it is assessed that the transaction risk is high, the transaction is directly interrupted or the us...
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IPC IPC(8): G06Q10/06
CPCG06Q10/0635G06Q10/067
Inventor 王枫平
Owner ADVANCED NEW TECH CO LTD