Risk assessment abnormal change detection method, device and equipment, and storage medium

A detection method and risk technology, which is applied in structured data retrieval, resources, instruments, etc., can solve the problems of low accuracy rate of customer financial risk level evaluation and transaction detection

Pending Publication Date: 2021-03-30
PING AN BANK CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] The main purpose of the present invention is to solve the technical problem of low accura

Method used

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  • Risk assessment abnormal change detection method, device and equipment, and storage medium
  • Risk assessment abnormal change detection method, device and equipment, and storage medium
  • Risk assessment abnormal change detection method, device and equipment, and storage medium

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Embodiment Construction

[0080] In the technical solution of the present invention, the behavior data and service data to be evaluated to be evaluated; calculate the user's investment experience evaluation value, the intentional evaluation value of the various risk level products, investment experience evaluation value, and intention evaluation value The corresponding first accuracy and second accuracy; based on service data, calculate the third accuracy corresponding to the user's risk tolerance ability evaluation value and the risk tolerance capability evaluation value; obtain the questionnaire evaluation to be evaluated by the user, and extract Assessment data in questionnaire evaluation; evaluation value, intentional evaluation value, and risk tolerance ability evaluation value, compared with the evaluation value corresponding to the assessment data, resulting in preliminary estimation of an aspiration coefficient; according to the first accuracy, the second accurate Degree and third accuracy, calcula...

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Abstract

The invention relates to the field of artificial intelligence, and discloses a risk assessment transaction detection method, device and equipment, and a storage medium. The method, the device and theequipment are used for detecting transaction of risk assessment data. The method comprises the following steps: obtaining behavior data and business data of a user; calculating an investment experience evaluation value, an intention evaluation value, a first accuracy and a second accuracy respectively corresponding to the investment experience evaluation value and the intention evaluation value according to the behavior data; calculating a risk tolerance evaluation value and a corresponding third accuracy according to the business data; when the user fills in questionnaire evaluation, comparing the evaluation value with evaluation data of the questionnaire evaluation to obtain a preliminary estimated transaction coefficient; and according to the first accuracy, the second accuracy and thethird accuracy, calculating preliminary abnormal change credibility, judging whether the preliminary estimated abnormal change coefficient and the preliminary abnormal change credibility are both greater than a preset threshold, and if so, sending user information of the user to a worker terminal. In addition, the invention also relates to a blockchain technology, and the behavior data and the business data of the user can be stored in the blockchain.

Description

Technical field [0001] The present invention relates to the field of artificial intelligence, and in particular, there is a risk assessment and analoging method, device, equipment, and storage medium. Background technique [0002] Customers need to assess the risk level of customers in purchase in investment wealth management products. According to regulatory requirements, customers can only purchase investment wealth management products within their own risk levels, such as customer risk levels of C1, can only purchase R1 low Risk products, customer risk rating is C2 steady type, only to purchase R2 low risk and the following products, with this type, customer risk level and wealth management products have five levels corresponding. At present, all bank financial institutions have made the customer's fill in the questionnaire method, based on the results of the customer to fill in the results of the questionnaire, the questionnaires are mainly divided into individuals and financ...

Claims

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Application Information

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IPC IPC(8): G06Q40/06G06Q10/06G06F16/28
CPCG06Q40/06G06Q10/0635G06Q10/0639G06F16/285
Inventor 罗国辉许海金罗芳韦亚雄
Owner PING AN BANK CO LTD
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