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Global financial risk knowledge graph construction method based on artificial intelligence technology

A technology of artificial intelligence and knowledge graph, applied in the field of global financial risk knowledge graph construction, can solve the problems of strong credit data and low coverage of central bank credit data, and achieve the effect of improving risk knowledge graph

Inactive Publication Date: 2020-01-21
上海氪信信息技术有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] (3) Strong credit data, such as central bank credit data, has a low coverage rate, and needs to make deeper use of other weak financial and unstructured data, such as smart device information, App behavior trajectory data, customer service voice data, etc.

Method used

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  • Global financial risk knowledge graph construction method based on artificial intelligence technology
  • Global financial risk knowledge graph construction method based on artificial intelligence technology
  • Global financial risk knowledge graph construction method based on artificial intelligence technology

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Embodiment Construction

[0039] In order to make the object, technical solution and advantages of the present invention clearer, the present invention is described below through specific embodiments shown in the accompanying drawings. It should be understood, however, that these descriptions are exemplary only and are not intended to limit the scope of the present invention. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concept of the present invention.

[0040] The present invention is a method for constructing a global financial risk knowledge map based on artificial intelligence technology, which specifically includes the following steps:

[0041] The first step is to build a relationship network among all existing credit entities in financial institutions, and the relationship network is established based on the overlap of application materials;

[0042] The second step is to extract the ID of the assessed...

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Abstract

The invention relates to a method for constructing a global financial risk knowledge graph based on an artificial intelligence technology. The method specifically comprises the following steps: constructing a relational network among all existing credit subjects of a financial institution; extracting corresponding association risk and group fraud risk portrait features based on the updated relationship network; processing the structural data of the credit main body with the same user ID into risk image data of an individual dimension; processing the unstructured data of the credit main body with the same user ID into individual dimension risk portrait data; integrating the association and gang risk portrait features based on the relational network and the risk portrait data of the individual dimension to jointly form a global financial risk knowledge graph. According to the method, the financial risk knowledge graph construction method based on the social relation network, natural language processing and deep learning is used for improving the financial risk control capability and reducing the credit risk.

Description

technical field [0001] The invention relates to the technical field of financial risk control, in particular to a method for constructing a global financial risk knowledge map based on artificial intelligence technology. Background technique [0002] In the online credit application financial business, financial institutions often face some fraud risks, such as personal identity fraud risks, such as the mobile phone number corresponding to the bank card being changed, posing as customer service, pretending to be friends and other fraudulent behaviors that are not intended by the person, as well as rebates, cash-outs, etc. Fraud such as wool; gang fraud risks, such as intermediary agencies and black industry risks, all of which have brought great security challenges to banking business and transactions. Therefore, in the face of increasingly serious online credit fraud risks, all financial institutions need more and more comprehensive data and more advanced technologies to so...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06F16/36G06N3/04
CPCG06F16/367G06N3/049G06N3/045G06Q40/03
Inventor 周春英朱明杰姜松涛代俣西蔡一鸣
Owner 上海氪信信息技术有限公司
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