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Method and device for assessing specific risks faced by service parties

a risky, specific technology

Active Publication Date: 2020-09-18
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the current means of risk assessment are relatively single, unable to meet various needs in practice

Method used

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  • Method and device for assessing specific risks faced by service parties
  • Method and device for assessing specific risks faced by service parties
  • Method and device for assessing specific risks faced by service parties

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Experimental program
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Embodiment Construction

[0025] The solutions provided in this specification will be described below in conjunction with the accompanying drawings.

[0026] As mentioned above, the service side faces various risks. For the convenience of description, any one of these risks will be referred to as a specific risk. In order to better manage and control risks, it is necessary to accurately and effectively assess the specific risks faced by the service provider.

[0027] Therefore, the inventor proposes a risk assessment method, which can realize accurate assessment of specific risks, and at the same time, can also realize the traceability of the assessment results, thereby effectively and intuitively assisting risk management and control. Specifically, the inventor proposed to introduce a Bayesian network to organize and summarize some random variables related to specific risks, so as to intuitively show the dependencies between risk variables (for example, whether the customer data form is filled incorre...

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Abstract

The embodiment of this specification provides a method for assessing specific risks faced by a service provider, including: On the one hand, obtaining a pre-built Bayesian extended network, which involves multiple risk attribute variables and several risk calculation variables, where each risk There is a corresponding value range mapping relationship between the node corresponding to the calculation variable and the value range of its parent node; on the other hand, obtain the evidence variable values ​​of several evidence variables whose observed values ​​of the variables are known, and obtain the set certain query variable values, the several evidence variables and several query variables are determined based on at least the plurality of risk attribute variables, and the evidence variable values ​​are determined based on the behavior data of users in the service provider and / or the operation data of the service provider; further Specifically, based on the Bayesian extended network, according to the evidence variable values ​​of the several evidence variables, determine the posterior probability of the values ​​of the query variables as the values ​​of the query variables, and include them in the risk assessment results.

Description

technical field [0001] One or more embodiments of this specification relate to the application of machine learning to the technical field of risk control, and in particular to a method and device for evaluating specific risks faced by service providers. Background technique [0002] At present, the service side faces various risks. For example, it faces operational risks during the operation process, including the possibility of operational failure or operational activities not reaching the expected goals and its losses. For another example, when the service provider provides services to users, it faces the risk that some users will commit malicious, bad or illegal specific behaviors through the use of services. For example, unscrupulous users use electronic payment services provided by payment platforms or wealth management services provided by wealth management platforms to commit illegal activities such as money laundering, and for example, unscrupulous users use transfer...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06N7/00G06Q10/06
CPCG06Q10/0635G06N7/01
Inventor 张慧南沈磊谌扬汤深
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD