Overseas credit card risk control model acquisition method and device, equipment and storage medium

Abstract

The invention relates to the technical field of credit card risk control, in particular to an overseas credit card risk control model obtaining method and device, equipment and a storage medium. The method comprise the following steps: S10, obtaining historical user payment data, wherein the historical user payment data comprise equipment and network data, social data, user behavior data and service data; s20, preprocessing the historical payment data to obtain data to be subjected to feature extraction; s30, performing feature extraction on the data to be subjected to feature extraction through regularization to obtain a data set to be trained; and S40, modeling the to-be-trained data set corresponding to the equipment and network data, the social data, the user behavior data and the service data, and then performing training to obtain a credit card risk control model for detecting a customer risk level. The method and device have the effects that the bad debt rate of merchant incomeis reduced, and the economic benefits of the seas merchants are improved.

Description

technical field [0001] The present invention relates to the technical field of credit card risk control, in particular to a method, device, equipment and storage medium for acquiring an overseas credit card risk control model. Background technique [0002] In recent years, with the rapid development of the economy and the continuous deepening of the opening up of the foreign economy, the network payment business has developed rapidly, and all walks of life have gradually begun to pay attention to the credit card business, especially the rapid development of the overseas mobile Internet economy, making major Internet services The industry has also intervened in the credit card business in different ways, accessing the credit card payment method for the provision of goods and services. [0003] In the existing usage scenarios, most merchants are accessing the bank payment system and using the bank's own risk control mechanism. At the same time, some merchants also have a risk ...

AI Technical Summary

Problems solved by technology

[0005] Credit card is an unsecured credit loan amount product. Although the loan is based on consumption and is basically a small amount of consumption, there are many customer groups and the review procedures are simple. Banks face asymmetric information problems in the collection, screening and review of customer information. Moreover, after the user uses a credit card to pay for goods and services, once the user applies for a refund to the card issuer, the card issuer is often more inclined to protect the interests of the cardholder and refund the payment that the cardholder has already paid, resulting in service commodity suppliers Services are provided but not paid accordingly, resulting in losses and a large number of bad debts. Therefore, there is an urgent need for a method that can efficiently complete risk control decisions

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