Risk assessment method and device, computer equipment and storage medium

A risk assessment and risk technology, applied in the computer field, can solve the problems of high false rejection rate, poor recognition effect, management and control coverage, and insufficient recognition accuracy, and achieve good recognition effect.

Active Publication Date: 2019-11-22
招联消费金融有限公司
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Problems solved by technology

[0003] However, the current anti-fraud management mainly adopts expert rules technically, and some models are modeled by traditional logistic regression algorithms. When the model obtained in this way is

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  • Risk assessment method and device, computer equipment and storage medium
  • Risk assessment method and device, computer equipment and storage medium
  • Risk assessment method and device, computer equipment and storage medium

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Embodiment Construction

[0042] In order to make the purpose, technical solutions and advantages of the present application more clearly understood, the present application will be described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application, but not to limit the present application.

[0043] The risk assessment method provided in this application can be applied to such as figure 1 in the application environment shown. The terminal 110 communicates with the server 120 through the network. When the server detects the operation performed by the user to be evaluated on the terminal, the server obtains the current location information of the user to be evaluated, and determines the area grid and density clustering grid centered on the current location, and obtains the information related to the area grid and density clustering grid. The grid-related hi...

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Abstract

The invention relates to a risk assessment method and device, computer equipment and a storage medium. The method comprises the steps of obtaining current position information of a to-be-evaluated user, and determining a regional grid and a density clustering grid which take the current position information as a center; acquiring historical user behavior tracks associated with the regional grids and the density clustering grids; and determining a risk assessment result of the to-be-assessed user based on the historical user behavior track associated with the regional grid and the density clustering grid and the risk level data. According to the historical user behavior track and risk level data of the regional grid and the density clustering grid near the position of the user, the active area of the gang fraudulent user is accurately identified, the hidden fraudulent gang is found, and the associated risk case is quickly identified, so that the risk assessment result of the user is obtained, and the identification effect is better.

Description

technical field [0001] The present application relates to the field of computer technology, and in particular, to a risk assessment method, apparatus, computer equipment and storage medium. Background technique [0002] In recent years, the rapid development of Internet finance and the emergence of fraudulent methods have brought huge economic losses to financial enterprises and customers, seriously restricting the healthy development of the financial industry. [0003] However, the current anti-fraud management mainly adopts expert rules technically, and partly adopts traditional logistic regression algorithm for modeling. When the model obtained in this way is applied to actual risk assessment, it is insufficient in terms of control coverage and identification accuracy; Such anti-fraud management methods have poor recognition effect and high false rejection rate. SUMMARY OF THE INVENTION [0004] Based on this, it is necessary to provide a risk assessment method, appara...

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Application Information

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IPC IPC(8): G06Q30/00G06Q40/04
CPCG06Q30/0185G06Q40/04
Inventor 吉文礼关鑫尹川学郭海旭邓济福雷慧兰
Owner 招联消费金融有限公司
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