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Prudence-based user identification method

A user identification and user technology, applied in the information field, can solve problems such as inability to offset, inability to guide user identification, lack of personality models, etc.

Active Publication Date: 2022-07-05
DONGHUA UNIV
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  • Summary
  • Abstract
  • Description
  • Claims
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AI Technical Summary

Problems solved by technology

However, due to the lack of a directly quantifiable personality model and the inability to offset the impact of changing trading environments on trading personality detection, it cannot guide the identification of user identities

Method used

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  • Prudence-based user identification method

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Embodiment Construction

[0051] The present invention will be described in detail below with reference to the accompanying drawings and specific embodiments. This embodiment is implemented on the premise of the technical solution of the present invention, and provides a detailed implementation manner and a specific operation process, but the protection scope of the present invention is not limited to the following embodiments.

[0052] In order to realize the user identity recognition method based on the degree of prudence, the present invention establishes the system of the identity recognition system, such as figure 1 The system framework shown, including 3 parts, is as follows:

[0053] 1. Predictive model of user prudence. It is mainly composed of activity influencing factors, economic pressure, and the user's prudence in the last transaction of similar products. Considering internal and external influencing factors, a user's prudence prediction model is established to provide a basis for determ...

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Abstract

The invention relates to a prudence-based user identity identification method, which, according to the environmental factors and personal factors faced by users in a transaction scenario, conducts prudence prediction modeling for activity factors and economic pressure, and guides the prediction of the user's prudent character; The user's interaction data extracts prudence features, calculates the user's prudence, builds a user's prudence model, and characterizes the user; compares the user's prudence prediction value and transaction prudence to determine whether the user's identity recognition model is within the risk threshold. Train and build a discreet-based identity recognition model for identity recognition. The method of the invention starts from the cautious character of the user, considers the influence of the environmental factors in the transaction scene and the user's personal factor on the user's character, can effectively detect the user identity in the electronic transaction, and provides technical support for solving the detection of fraudulent transactions.

Description

technical field [0001] The present invention relates to the field of information technology, in particular to a method for user identity recognition based on prudence. Background technique [0002] As people's consumption patterns change, mobile payments are becoming more and more popular. The main forms of current mobile fraud include: marketing activity fraud, channel traffic fraud, fake user fraud, fraudulent information theft, malicious transaction fraud, financial payment fraud, online billing fraud, telecommunication fraud, online loan fraud, etc. [0003] At present, many scholars have carried out research on the problem of user identification in online payment scenarios. In order to make up for the shortcomings of rule-based expert systems that require the intervention of a large number of professionals and are prone to redundancy, some scholars will start from the perspective of a single user and use multi-party data to explore the user's behavior model to identify...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06Q20/40G06Q40/04
CPCG06Q20/4016G06Q40/04
Inventor 章昭辉王鹏伟魏子明
Owner DONGHUA UNIV
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