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Abnormal user identification method and device, electronic equipment and storage medium

An identification method and user technology, applied in character and pattern recognition, data processing applications, instruments, etc., can solve problems such as failure to effectively intercept abnormal users

Active Publication Date: 2021-11-30
PING AN TECH (SHENZHEN) CO LTD
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However, the existing risk control system usually determines whether the user is an abnormal user based on the transaction behavior of each user. When encountering gang fraud, it fails to effectively intercept some abnormal users

Method used

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  • Abnormal user identification method and device, electronic equipment and storage medium
  • Abnormal user identification method and device, electronic equipment and storage medium
  • Abnormal user identification method and device, electronic equipment and storage medium

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Embodiment Construction

[0031] The following will clearly and completely describe the technical solutions in the embodiments of the present application with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are part of the embodiments of the present application, not all of them. Based on the embodiments in this application, all other embodiments obtained by persons of ordinary skill in the art without making creative efforts belong to the scope of protection of this application.

[0032] The flow charts shown in the drawings are just illustrations, and do not necessarily include all contents and operations / steps, nor must they be performed in the order described. For example, some operations / steps can be decomposed, combined or partly combined, so the actual order of execution may be changed according to the actual situation.

[0033]It should be understood that the terms used in the specification of this application are for the purpose of d...

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Abstract

The invention relates to the field of artificial intelligence, and an embodiment of the invention discloses an abnormal user identification method and device, electronic equipment and a storage medium, and the identification method comprises the steps: obtaining a credit feature of a target user; inputting the credit feature into a preset credit evaluation model to obtain a risk coefficient of the target user; when the risk coefficient of the target user is smaller than a preset risk coefficient, obtaining current application information and historical application information of the target user according to the identity information; obtaining first-degree associated user information, second-degree associated user information and third-degree associated user information associated with the target user according to the current application information and the historical application information; according to the information matching degree, dividing association levels; classifying the associated users according to the association levels, constructing a user relationship network of the target users; and obtaining node data corresponding to each associated user node in the user relationship network, and obtaining a classification result of the target user by using the node data and a preset user classification model.

Description

technical field [0001] The present application relates to the technical field of artificial intelligence, and in particular to an abnormal user identification method, device, electronic equipment and storage medium. Background technique [0002] With the rapid development of network information technology, Internet finance is more and more widely used in many scenarios such as work and life. Many banks or financial institutions that provide credit services have sprung up in the financial market, and at the same time, each bank has opened a wide range of credit products to meet the needs of different customers. [0003] At present, many credit institutions have built their own risk control systems. Before providing credit services to users, they usually need to conduct a risk assessment of the user to determine whether the user is eligible for credit. For example, credit institutions usually use corresponding evaluation models to determine the user's risk index. However, th...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06K9/62G06Q40/02
CPCG06Q40/03G06F18/24G06F18/214
Inventor 陈迎运
Owner PING AN TECH (SHENZHEN) CO LTD