Risk control method, device and system based on consumption data and readable storage medium

Abstract

The invention discloses a risk control method, device and system based on consumption data and a readable storage medium. The method is applied to risk control equipment. The risk control equipment isin communication connection with at least one consumption equipment. The method comprises the following steps of receiving risk sub-data of the to-be-predicted user transmitted by each consumption equipment, and aggregating the risk sub-data to generate target risk data, the risk sub-data being generated by risk prediction of the consumption sub-data of the to-be-predicted user in each consumption equipment based on a risk control model sub-module in each consumption equipment; and determining a risk control strategy of the to-be-predicted user according to the target risk data, and performing risk control on the to-be-predicted user according to the risk control strategy. According to the invention, the federated risk control model is generated through longitudinal federated training between each consumption equipment and the risk control equipment, thereby guaranteeing the safety and effectiveness of data for training, and achieving the precise risk control of a to-be-predicted userbased on a large amount of safe and effective user data.

Description

technical field [0001] The present invention relates to the technical field of financial technology (Fintech), in particular to a risk control method, device, system and readable storage medium based on consumption data. Background technique [0002] With the continuous development of financial technology (Fintech), especially Internet technology finance, more and more technologies (such as artificial intelligence, big data, cloud storage, etc.) Higher requirements, such as the requirement to improve the accuracy of user risk control. [0003] At present, the user's risk control is usually based on the user's consumption behavior data to carry out credit rating and evaluate the credit line, and the risk control is carried out by the credit rating and credit line. However, the user's consumption behavior data belongs to the user's privacy data, and it is difficult to obtain a large amount of it through safe and effective means, which makes the amount of consumption behavior ...

AI Technical Summary

Problems solved by technology

[0005] The main purpose of the present invention is to provide a risk control method, device, system and readable storage medium based on consumption data, aiming to solve the technical problem of how to conduct precise risk control based on safe and effective large amounts of user data in the prior art

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