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Transaction risk assessment method, device and computer system

A risk assessment and transaction technology, applied in the computer field, can solve problems such as long rule adjustment cycle, inability to respond to transaction fraud dynamics at any time, and difficulty in discovering deep-seated regular characteristics, so as to avoid transaction fraud

Inactive Publication Date: 2019-12-03
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

This method has the following disadvantages: 1. Only through a certain number of fraud cases can it be easy to find fraud rules; 2. The rule adjustment period is long, and it cannot cope with the ever-changing transaction fraud dynamics at any time; With the increase in the number of features, it is difficult to find deep-level regular features

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  • Transaction risk assessment method, device and computer system
  • Transaction risk assessment method, device and computer system
  • Transaction risk assessment method, device and computer system

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Embodiment Construction

[0030] Hereinafter, embodiments of the present disclosure will be described with reference to the drawings. It should be understood, however, that these descriptions are exemplary only, and are not intended to limit the scope of the present disclosure. In the following detailed description, for purposes of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It may be evident, however, that one or more embodiments may be practiced without these specific details. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concept of the present disclosure.

[0031] The terminology used herein is for the purpose of describing particular embodiments only, and is not intended to be limiting of the present disclosure. The terms "comprising", "comprising", etc. used herein indicate the presence of stated features, ...

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Abstract

The invention provides a transaction risk assessment method. The method comprises the following steps: responding to an assessment request of a caller for a specified transaction behavior, and obtaining the transaction information of the specified transaction behavior; determining transaction feature data based on the transaction information; processing the transaction feature data by using a first optimization model and a second optimization model so as to determine a risk assessment result of the specified transaction behavior; and sending the risk assessment result to the calling party, sothat the calling party executes an operation on the specified transaction behavior based on the risk assessment result. The invention further provides a transaction risk assessment device and a computer system.

Description

technical field [0001] The present disclosure relates to the field of computer technology, and more specifically, to a transaction risk assessment method, device and computer system. Background technique [0002] With the continuous development of science and technology, the financial industry is facing increasing transaction risk pressure. Traditional banks mainly form transaction fraud risk judgment rules through various transaction fraud cases. The current rule strategy is mainly to set rules through expert experience. This method has the following disadvantages: 1. Only through a certain number of fraud cases can it be easy to find fraud rules; 2. The rule adjustment period is long, and it cannot cope with the ever-changing transaction fraud dynamics at any time; With the increase of the number of features, it is difficult to find deep-level regular features. Contents of the invention [0003] One aspect of the present disclosure provides a transaction risk assessmen...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06N20/00
CPCG06Q40/04G06N20/00
Inventor 罗琦山陈旭伟杨彪
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA