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Method and device for establishing risk control model and risk control method and device

A risk control and risk control technology, applied in the field of electronic information, can solve the problem that risk control methods cannot provide better risk control services

Active Publication Date: 2022-07-26
ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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  • Abstract
  • Description
  • Claims
  • Application Information

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Problems solved by technology

[0003] However, the existing risk control methods cannot provide better risk control services according to user needs

Method used

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  • Method and device for establishing risk control model and risk control method and device
  • Method and device for establishing risk control model and risk control method and device
  • Method and device for establishing risk control model and risk control method and device

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Embodiment Construction

[0060] The solution provided in this specification will be described below with reference to the accompanying drawings.

[0061] In the existing technology, the server uses the powerful computing power of the server to establish a general risk control model according to the obtained sample data of various users. Risk calculation, assessment, and output risk control decisions.

[0062] It can be seen that the current risk control model is "one model for thousands of people", that is, different users use the same risk control model, and the risk control model does not consider the differences in behavior data of different users. For example, user group A will use the Alipay system for large-value transfers, but does not play the game "Ant Manor", while user group B does not use the Alipay system for large-value transfers, but can play the game "Ant Manor". According to the practice in the prior art, when training the risk control model, sample data of various types of users, in...

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Abstract

The embodiments of this specification provide a method for establishing a risk control model, a risk control method, and an apparatus. In the method, a general risk control model is first obtained; wherein, the general risk control model is obtained by training a first sample set, and the first sample set is generated by using behavior data of at least two types of users; and the behavior data of the target user is used. data to generate a second sample set corresponding to the target user; use the second sample set to train the general risk control model to obtain a personalized risk control model corresponding to the target user.

Description

technical field [0001] One or more embodiments of this specification relate to electronic information technology, and in particular, to a method and apparatus for establishing a risk control model and a risk control method and apparatus. Background technique [0002] With the development of Internet services, more and more user services are implemented based on the network. For example, users make payments through online shopping, and users make online bank transfers. When implementing user services, risk control is often required. For example, when the user is judged to be a low-risk user through the risk control model, the user can complete the payment without entering a password, or the user can consume first, and the subsequent user will pay additionally when it is convenient for the user. [0003] However, the existing risk control methods cannot provide better risk control services according to user needs. SUMMARY OF THE INVENTION [0004] One or more embodiments of...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40G06N3/08
CPCG06Q20/4016G06N3/082
Inventor 傅欣艺
Owner ALIPAY (HANGZHOU) INFORMATION TECH CO LTD
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