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Comprehensive risk scoring request processing method and device and electronic equipment

A comprehensive risk and risk scoring technology, applied in the field of computer information processing, can solve problems such as scoring card surface and limitations, and achieve the effect of reducing enterprise security risks and maintaining enterprise resource security

Pending Publication Date: 2020-12-01
北京淇瑀信息科技有限公司
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Problems solved by technology

However, the above scorecards are one-sided and limited to a certain range

Method used

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  • Comprehensive risk scoring request processing method and device and electronic equipment
  • Comprehensive risk scoring request processing method and device and electronic equipment
  • Comprehensive risk scoring request processing method and device and electronic equipment

Examples

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Embodiment Construction

[0041] Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments, however, can be embodied in various forms and should not be construed as limited to the embodiments set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The same reference numerals in the drawings denote the same or similar parts, and thus their repeated descriptions will be omitted.

[0042] Furthermore, the described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided in order to give a thorough understanding of the embodiments of the present disclosure. However, those skilled in the art will appreciate that the technical solutions of the present disclosure may be practiced without on...

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Abstract

The invention relates to a comprehensive risk scoring request processing method and device, electronic equipment and a computer readable medium. The method comprises the steps of obtaining user information of a user according to a comprehensive risk scoring request; calculating at least one risk score of the user in at least one state of at least one service based on the basic information, the service information and the state information corresponding to the service information; performing segmented mapping on the at least one risk score of the user to generate at least one mapping value; determining a comprehensive risk score of the user based on the at least one mapping value and an ensemble learning algorithm; and performing resource allocation for the user based on the comprehensive risk score. According to the method, the comprehensive risk score of the user can be comprehensively calculated in real time in a multi-dimensional manner, resource allocation is carried out based on the comprehensive risk score, the enterprise resource safety is maintained, and the enterprise safety risk is reduced.

Description

technical field [0001] The present disclosure relates to the field of computer information processing, and in particular, to a method, apparatus, electronic device, and computer-readable medium for processing a comprehensive risk score request. Background technique [0002] With the development of the economy, in order to meet the needs of their own development, individual users or corporate users often carry out resource lending activities by financial service institutions. For financial service institutions, the user's resource lending activities are likely to bring financial services companies. risk. Before the repayment period expires, significant adverse changes in the borrower's financial and business conditions are likely to affect its ability to perform the contract, resulting in bad debts, bad debts and other risks. Therefore, in order to reduce the probability of such risks, financial service institutions need to conduct Real-time risk assessment. [0003] A user...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q10/06G06Q40/08
CPCG06Q10/06393G06Q40/08G06Q10/0631
Inventor 张潮华高明宇王鹏郑彦
Owner 北京淇瑀信息科技有限公司
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