Case qualitative method and system based on anti-fraud variable and decision result

Abstract

The invention discloses a case qualitative method and system based on an anti-fraud variable and a decision result. The method comprises the steps: obtaining credit application information of a bank or a financial institution; obtaining a decision result and a decision reason code through a decision system according to the credit application information; obtaining anti-fraud variable information through an anti-fraud variable processing platform according to the credit application information; through the case system, performing feature conversion processing according to the credit applicationinformation, the decision result and the anti-fraud variable information to generate a data feature value of the case through conversion; and inputting the data feature value of the case into a pre-trained case qualitative model, and outputting a case key attribute label and a case qualitative result. The application fraud prevention capability of banks and financial institutions can be effectively improved, the case investigation cost is reduced, and the system automation level is enhanced; and meanwhile, a data sharing mechanism is realized, and adverse effects caused by data islands are eliminated.

Description

technical field [0001] The invention relates to the technical field of data processing, in particular to a case qualitative method and system based on anti-fraud variables and decision results. Background technique [0002] With the continuous development of mobile Internet technology, more and more financial institutions have opened Internet service channels, making full use of the Internet, big data, cloud computing and other technological means to carry out differentiated competition; more and more consumers choose to use mobile terminals , handle financial credit business with the help of mobile Internet. The Internet has boosted the prosperity of the financial industry and cultivated consumers' advanced mobile payment concepts. However, after several years of rapid development, hidden risks have gradually been exposed, and regulators are increasingly supervising the mobile Internet financial industry. The more attention is paid, how to ensure the security of Internet f...

AI Technical Summary

Problems solved by technology

[0003] However, at present, there are the following problems: 1. The penetration of Internet technology in the field of case investigation system is low, and the risk control level of banking case investigation related institutions is uneven. The application and assistance of technology cannot meet the actual business needs in terms of the cost, quality and timeliness of risk control of case investigation

2. The traditional anti-fraud case investigation method is limited by factors such as the fact that the investigation data cannot be communicated with the approval system, the investigation records cannot be retained uniformly, and the fraud case data is not easy to analyze. It is no longer suitable for the current fraud environment where professional cases frequently occur.

3. The phenomenon of "isolated islands" of data in the Internet financial industry is serious, and there is a lack of data sharing mechanism. Different Internet financial institutions will store a large amount of loan application information. However, due to the lack of a sharing mechanism in the market, it is difficult for financial institutions to share application information. Many institutions It is very difficult to obtain credit data about borrowers, especially data with strong financial attributes. On the one hand, institutions cannot effectively judge the risk level of customers, and on the other hand, it also leads to frequent occurrence of long-term liabilities

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