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Risk assessment model training method and device and risk assessment method and device

A risk assessment model and risk assessment technology, applied in the training of risk assessment models, risk assessment methods and devices, can solve problems such as low efficiency, reduce costs and expenses, improve risk assessment efficiency, and improve utilization.

Active Publication Date: 2020-07-10
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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Problems solved by technology

Therefore, traditional risk assessment methods are less efficient

Method used

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  • Risk assessment model training method and device and risk assessment method and device
  • Risk assessment model training method and device and risk assessment method and device
  • Risk assessment model training method and device and risk assessment method and device

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Embodiment Construction

[0038] The solutions provided in this specification will be described below in conjunction with the accompanying drawings.

[0039] Before describing the scheme provided by this specification, the inventive concept of this scheme is explained as follows.

[0040] As mentioned earlier, in the traditional technology, the trained risk assessment model can usually only realize the assessment of a single risk type, that is to say, the risk assessment model trained by the traditional method is usually a single-task model, which will greatly waste the training resource. The applicants for this application take into account that there are often similarities between the tasks of assessing different risk types. For example, 48% of fraudulent users are high-risk users who violate regulations and prohibitions. Furthermore, there is a strong correlation between the task of assessing the aggregate risk and the task of assessing individual risks. For example, users with higher individual ...

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Abstract

The embodiment of the invention provides a risk assessment model training method and device and a risk assessment method and device. In the training method, a batch of user samples are collected, eachuser sample comprises a user feature and a risk label, and the risk label is used for indicating a total risk score of a user and a plurality of individual risk scores corresponding to predeterminedrisk types. The feature coding layer is trained based on the user features of each user sample and the total risk score in the risk label to obtain a trained feature coding layer, and a feature codingresult of each user sample is obtained based on the trained feature coding layer. The comprehensive risk assessment layer is trained based on the feature coding result of each user sample and the total risk score in the risk label. For each single risk assessment layer in the single risk assessment layers, the single risk assessment layer is trained based on the feature coding result of each usersample and the single risk score of the corresponding risk type in the risk tag.

Description

technical field [0001] One or more embodiments of this specification relate to the technical field of machine learning, and in particular to a training of a risk assessment model, a method and a device for risk assessment. Background technique [0002] With the increasing popularity of network technology, there are more and more risks in network transactions. In order to effectively reduce high-risk transactions and strengthen market monitoring, it is extremely important to conduct risk assessment on users. [0003] In traditional technologies, risk assessment is usually only performed on a single risk type (eg, risk type involved in gambling). The specific evaluation process may be as follows: firstly, based on the sample users and normal sample users of the risk type, the risk evaluation model is trained. Then, based on the risk assessment model, it is assessed whether the target user is a user of the corresponding risk type. Therefore, traditional risk assessment metho...

Claims

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Application Information

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IPC IPC(8): G06Q20/40G06K9/62
CPCG06Q20/4016G06F18/24323G06F18/214
Inventor 许小龙
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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