Risk control method, device and system based on simulation resource application
A resource application and risk control technology, applied in neural learning methods, character and pattern recognition, biological neural network models, etc., can solve problems such as long computing time, user churn, and poor user experience, reducing waiting time, reducing The effect of calculating difficulty and improving user experience
Active Publication Date: 2021-08-24
SHANGHAI QIYUE INFORMATION TECH CO LTD
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Problems solved by technology
[0004]
The present invention aims to solve the problem that the existing risk control method takes a long time to calculate, requires the user to wait, gives the user a bad experience, and may lead to the loss of users
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[0044] Exemplary embodiments of the present invention will now be described more fully with reference to the accompanying drawings, and although the exemplary embodiments may be embodied in many specific forms, these should not be construed as limited to the embodiments set forth herein. On the contrary, these exemplary embodiments are provided in order to make the content of the present invention more complete and more convenient to fully convey the inventive concept to those skilled in the art.
[0045] On the premise of complying with the technical concept of the present invention, the structure, performance, effect or other features described in a specific embodiment can be combined in any suitable way into one or more other embodiments.
[0046] During the introduction of specific embodiments, detailed descriptions of structures, performances, effects or other features are intended to enable those skilled in the art to fully understand the embodiments. However, it does no...
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The invention discloses a risk control method, device and system based on simulation resource application, and the method comprises the steps: obtaining user information of a day, and determining a user type according to the user information; determining simulation resource application information of a user according to the user type, performing simulation risk evaluation by using a risk control strategy according to the simulation resource application information, and storing a simulation risk evaluation result of the user; and when the user applies for actual resources, reading a simulation risk evaluation result of the user on the previous day, and executing a corresponding actual risk evaluation rule according to the simulation risk evaluation result. By adopting the technical scheme, the simulation risk evaluation is performed according to the information of the total user every day, the simulation risk evaluation result is stored, and when the user applies for the actual resources, corresponding actual risk evaluation rules are executed according to the simulation risk evaluation result, so that the calculation difficulty is reduced, the waiting time of the user is shortened, and the use experience of the user is improved.
Description
technical field [0001] The present invention relates to the field of computer information processing, in particular to a risk control method, device and system based on simulated resource application. Background technique [0002] With the integration and development of Internet technology and finance, there are more and more users of Internet finance. As the number of users increases, the types of users also become diverse, but risks are always the bottom line that needs to be adhered to. [0003] At present, risk control methods in the industry usually use various rules to verify user information. If the verification passes, resources are issued to the user, and if the verification fails, resources are rejected. However, since the calculation of various rules is relatively complicated, the user often needs to wait for a certain period of time before obtaining the result. However, Internet users often hope to obtain results as soon as possible when using various services,...
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IPC IPC(8): G06Q40/02G06N3/08G06K9/62
CPCG06N3/084G06Q40/03G06F18/214Y02D10/00
Inventor 张潮华王鹏陶然
Owner SHANGHAI QIYUE INFORMATION TECH CO LTD