Risk identification method and device based on multiple classifiers and computer equipment

Abstract

The invention discloses a risk identification method and device based on multiple classifiers, computer equipment and a storage medium, and relates to the technical field of intelligent decision making, which comprises the following steps: if an item handling instruction sent by a user side is detected, obtaining user video data; acquiring corresponding user identity information to judge whether user identity verification is passed or not; if so, obtaining current video data in the current transaction process; extracting emotion information and content information in the current video data; calling a combined classifier composed of a plurality of nonlinear classifiers and linear classifiers; inputting the emotion information and the content information of the current video data into a combined classifier to obtain a corresponding user risk category; and if the user risk category corresponding to the current video data belongs to the high risk category, terminating the connection with the user side and giving a prompt of terminating event handling. The method achieves the judgment of the user risk types of the user video data based on the combined classifier, and improves the recognition accuracy.

Description

technical field [0001] The present invention relates to the technical field of intelligent decision-making, in particular to a multi-classifier-based risk identification method, device, computer equipment and storage medium. Background technique [0002] With the continuous development of Internet technology, many existing financial institutions have also begun to promote or try to handle financial services online in order to improve the convenience and integrity of customers in handling financial services. [0003] However, there are high-risk particularities in financial business, and a timely blocking mechanism must be provided during online processing to avoid risks and avoid losses to customers or financial institutions (such as timely blocking when customers are fraudulent or coerced). In the traditional one-on-one communication between customers and customer service personnel, the experience and judgment of customer service personnel can be relied on to block in a tim...

AI Technical Summary

Problems solved by technology

[0011] The embodiment of the present invention provides a multi-classifier-based risk identification method, device, computer equipment, and storage medium, aiming to solve the problem of user risk identification in the online item handling system in the prior art based on the Single classifier, resulting in low recognition rate

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