Payment risk prediction model training method and device and payment risk prediction method and device

Abstract

The invention provides a payment risk prediction model training method and device and a payment risk prediction method and device. The payment risk prediction method comprises the steps: acquiring multiple pieces of second historical payment data and payment data to be predicted; processing the plurality of pieces of second historical money transfer data and the money transfer data to be predictedto obtain feature vectors of each piece of second historical money transfer data and the money transfer data to be predicted; respectively inputting the feature vectors of the second historical payment data and the payment data to be predicted into a clustering algorithm and a neural network, and outputting a first prediction result obtained by adopting the clustering algorithm for prediction anda second prediction result obtained by adopting the neural network for prediction, wherein the neural network is obtained by training a plurality of pieces of first historical payment data; and fusing the first prediction result and the second prediction result to obtain a final payment risk prediction result. The method solves a problem that there is no special risk control method for the payment of salary and the collection of individual tax in the field of sharing economy.

Description

technical field [0001] The invention relates to the field of big data technology, in particular to a payment risk prediction model training method, a payment risk prediction method and a device thereof. Background technique [0002] With the development of the sharing economy, more and more companies choose to use third-party platforms to pay and pay individual tax for their employees who work in flexible employment. However, with the development of the sharing economy and the maturity of the flexible employment model, some have signed labor contracts with enterprises. Those who do not belong to the sharing economy and flexible employment model are tempted by low tax rates and attempt to evade taxes. Tax companies pose risks. In addition, there are cases where criminal groups engaged in illegal activities such as pyramid schemes and frauds distribute benefits under the guise of sharing economy. Based on this, it is necessary to carry out risk control on each payment and th...

AI Technical Summary

Problems solved by technology

[0003] The purpose of the embodiment of the present invention is to provide a payment risk prediction model training method, a payment risk prediction method and its device, which are used to solve the problem of no special risks in the field of sharing economy for paying salaries and collecting individual taxes on behalf of others. The problem with the method of control

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