User risk determination method and device and server

Abstract

The invention provides a user risk determination method and device and a server. Based on the method, before specific implementation, a plurality of data tables containing total business data are subjected to preset clustering processing to obtain a plurality of sample data sets clustered together based on business correlation of a plurality of sample users; training is performed by using a plurality of sample data sets of a plurality of sample users to obtain a preset user risk prediction model which is relatively high in accuracy and simultaneously comprises a double-layer structure of a first-layer model and a second-layer model, wherein the first-layer model specifically comprises a plurality of sub-models respectively corresponding to a plurality of sub-service scenes; in specific implementation, after the business data of the target user is acquired, the business data of the target user can be comprehensively processed by calling the preset user risk prediction model, so that the risk level of the target user can be comprehensively and accurately determined, errors in determining the user risk can be effectively reduced, and the risk prediction precision is improved.

Description

technical field [0001] This specification belongs to the field of artificial intelligence technology, and in particular relates to a method, device and server for determining user risks. Background technique [0002] When a business agency handles business involving user risks such as credit business and credit card business for a user, the agency often needs to first assess the user's risk situation, and then determine whether to handle the corresponding business for the user based on the user's risk situation. [0003] However, based on the existing methods for determining user risks, when predicting user risks, there are often relatively large errors, and it is impossible to determine the user's risk situation more comprehensively and accurately. [0004] For the above problems, no effective solution has been proposed yet. Contents of the invention [0005] This manual provides a method, device and server for determining user risk, which can comprehensively and accurat...

AI Technical Summary

Problems solved by technology

[0003] However, based on the existing methods for determining user risk, when predicting user risk, there are often large errors, and it is impossible to determine the user's risk situation comprehensively and accurately.

[0004] For the above problems, no effective solution has been proposed

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