High-risk customer identification method and system, and storage medium

A customer identification and high-risk technology, which is applied in the field of risk identification in the financial industry, can solve the problems of no good solution, high misjudgment rate and missed detection rate of high-risk customers, and long time-consuming, so as to achieve rapid and effective identification, Fast and effective results for high-risk clients

Pending Publication Date: 2021-01-05
CHINA CITIC BANK
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  • Description
  • Claims
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Problems solved by technology

However, the above rules are entirely based on the experience of business personnel, and the method of identifying high-risk customers has a high rate of misjudgment and missed detection and takes a long time
[0004] There is no good solution for how to quickly and effectively identify high-risk customers in related technologies

Method used

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  • High-risk customer identification method and system, and storage medium
  • High-risk customer identification method and system, and storage medium

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Embodiment Construction

[0020] In order to enable those skilled in the art to better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only It is an embodiment of a part of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts shall fall within the protection scope of the present invention.

[0021] It should be noted that the terms "first" and "second" in the description and claims of the present invention and the above drawings are used to distinguish similar objects, but not necessarily used to describe a specific sequence or sequence. It is to be understood that the data so used are interchangeable under appropriate circ...

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Abstract

The invention discloses a high-risk customer identification method and system and a storage medium. The method comprises the steps that public activity period transaction data and opponent customer information data are acquired, a company customer transaction detail table is generated in a relational database, the company customer transaction detail table is preprocessed, and an account-level fundtransaction table and a customer-level fund transaction table are generated after preprocessing; converting the account-level fund transaction table and the client-level fund transaction table into format files which can be identified and correspond to a visual analysis tool, performing visual analysis processing on the format files, and identifying high-risk clients through preset conditions after the visual analysis processing. Therefore, the technical problems of relatively high misjudgment rate and omission ratio and relatively long consumed time in related technologies are solved, and the beneficial effect of quickly and effectively identifying high-risk customers is achieved.

Description

technical field [0001] The present invention relates to the field of risk identification in the financial industry, in particular to a method, system and storage medium for identifying high-risk customers. Background technique [0002] At present, the wide application of various new technologies such as big data, artificial intelligence, and cloud computing in the financial field has greatly improved the efficiency of financial services, but at the same time it has also brought a series of financial security issues. Criminals will definitely involve capital transactions when they carry out criminal activities, and the conclusions drawn by analyzing customer transaction data can be used as one of the important basis for the detection and proof of financial cases. [0003] At present, it mainly relies on expert experience to identify high-risk customers from a large group of transaction customers and provide them to relevant departments for reference. The judgment method base...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06Q40/04G06Q10/06G06F16/28G06F16/22
CPCG06Q40/04G06Q10/0635G06F16/284G06F16/2282G06Q40/03
Inventor 安文娟马宁赵秀丽万立佳杨义国吕志斌李欢欢汶昭阳贾芳芳赵琨张笑阳
Owner CHINA CITIC BANK
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