Fraud risk evaluation method and device and electronic equipment
A technology for risk assessment and electronic equipment, applied in the computer field, can solve the problem of low effectiveness of evaluation indicators, and achieve the effect of improving effectiveness
Pending Publication Date: 2022-06-28
CHINA CONSTRUCTION BANK
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[0003] The embodiment of the present application provides a fraud risk evaluation method, device and electronic equipment, which can solve the technical problem of low effectiveness of evaluation indicators caused by the problem of weight assignment when multi-model fusion evaluates fraud risk in the related art
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[0048] The characteristics and exemplary embodiments of various aspects of the application will be described in detail below. In order to make the purpose, technical solution and advantages of the application clearer, the application will be further described in detail below in conjunction with the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described here are only intended to explain the present application rather than limit the present application. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application.
[0049]It should be noted that in this article, relational terms such as first and second are only used to distinguish one entity or operation from another entity or operation, and do...
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The invention discloses a fraud risk evaluation method and device and electronic equipment. The fraud risk evaluation method comprises the following steps: calculating sub-evaluation indexes of each sample object in different fraud risk scenes according to behavior data of a plurality of sample objects; performing weighted summation on the sub evaluation indexes of each sample object by using different weight combinations to obtain a fusion evaluation index of each sample object; wherein each weight combination meets a preset weight constraint condition; based on the KS value, evaluating the capability of distinguishing positive and negative samples in a plurality of sample objects according to the fusion evaluation index obtained by each weight combination; determining a weight combination optimal solution in different weight combinations according to the evaluation result; and calculating a fusion evaluation index of the target object by using the weight combination optimal solution. According to the embodiment of the invention, the effectiveness of the evaluation index during the multi-model fusion evaluation of the fraud risk is improved.
Description
technical field [0001] The present application belongs to the field of computer technology, and in particular relates to a fraud risk assessment method, device and electronic equipment. Background technique [0002] In the field of financial anti-fraud risk control, due to the different characteristics of products and channels, risk vulnerabilities are also different, and multiple types of subdivision models are required for refined risk prediction. In order to conduct comprehensive analysis, it is necessary to integrate multiple models to detect fraud. comprehensive risk assessment. At present, when conducting comprehensive evaluation based on multiple models, the methods for establishing the model generally include: expert experience weighting method, and establishing an optimized comprehensive evaluation model. Among them, the expert experience weighting method is relatively easy to implement, but it strongly relies on the experience of business experts and cannot accura...
Claims
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Login to View More IPC IPC(8): G06Q20/40G06Q40/04
CPCG06Q20/4016G06Q40/04
Inventor 陈桂花上官质纯黄晋福
Owner CHINA CONSTRUCTION BANK