Anti-fraud risk assessment method and device, training method and device and readable storage medium
A risk assessment model and risk technology, applied in the field of anti-fraud, can solve the problems of fraudulent transaction identification lag and low accuracy, and achieve a good anti-fraud risk assessment effect
Pending Publication Date: 2022-04-08
CHINA UNIONPAY
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[0004] However, at present, the identification of fraudulent transactions is still lagging and the accuracy is not high
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[0038] Exemplary embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. Although exemplary embodiments of the present disclosure are shown in the drawings, it should be understood that the present disclosure may be embodied in various forms and should not be limited by the embodiments set forth herein. Rather, these embodiments are provided for more thorough understanding of the present disclosure, and to fully convey the scope of the present disclosure to those skilled in the art.
[0039] In the description of the embodiments of the present application, it should be understood that terms such as "comprising" or "having" are intended to indicate the existence of the features, numbers, steps, acts, components, parts or combinations thereof disclosed in the specification, and do not It is intended to exclude the possibility of the existence of one or more other features, figures, steps, acts, parts, parts or com...
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The invention provides an anti-fraud risk assessment method, a training method, a training device and a readable storage medium, the training method comprises the following steps: obtaining a training sample set, the training sample comprises a multi-dimensional feature and a fraud label thereof, and the multi-dimensional feature comprises a user static feature, a user behavior feature and an equipment risk APP feature; inputting the training sample set into a to-be-trained anti-fraud risk assessment model for iterative training; wherein in each round of iteration, the anti-fraud risk assessment model performs embedding processing on input multi-dimensional features to obtain an input vector, inputs the input vector into a feature learning network constructed based on a self-attention mechanism to obtain a weighted fused coding vector, inputs the coding vector into a deep network to obtain a risk prediction result, and performs risk prediction on the deep network to obtain a risk prediction result. And updating parameters of the risk assessment model by using a loss function constructed by the risk prediction result and the fraud label. By using the method, a better anti-fraud risk assessment effect can be obtained.
Description
technical field [0001] The invention belongs to the field of anti-fraud, and in particular relates to an anti-fraud risk assessment method, a training method, a device and a readable storage medium. Background technique [0002] This section is intended to provide a background or context for implementations of the invention that are recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] With the development of telecommunications networks, real-time communication and financial transactions have become more convenient, and at the same time provide opportunities for fraudsters. Based on the current situation that users have weak awareness of fraud prevention before the case and it is difficult to trace after the case, it is particularly important to prevent it on the transaction side. [0004] However, at present, the identification of fraudulent transactions is still lagging behind and the accuracy is not high. ...
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IPC IPC(8): G06Q10/04G06Q10/06G06Q40/04
CPCG06Q40/04G06Q10/04G06Q10/06
Inventor 骆浩楠龚妙岚李嘉周凯章文康
Owner CHINA UNIONPAY