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Risk prevention method and device, equipment, medium and program product

A risk and risk technology, applied in the field of big data technology or finance, can solve problems such as the comprehensiveness and accuracy of cash-out risk behavior identification needs to be improved, and the cost of human and material resources is relatively large, so as to reduce financial risks and improve comprehensive performance and accuracy, improving the effectiveness of processing mechanisms

Pending Publication Date: 2022-07-15
INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0003] Manual identification usually has many limitations, and consumes a lot of human and material resources. The comprehensiveness and accuracy of the identification of cash-out risk behaviors need to be improved

Method used

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  • Risk prevention method and device, equipment, medium and program product
  • Risk prevention method and device, equipment, medium and program product
  • Risk prevention method and device, equipment, medium and program product

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Embodiment Construction

[0026] Hereinafter, embodiments of the present disclosure will be described with reference to the accompanying drawings. It should be understood, however, that these descriptions are exemplary only, and are not intended to limit the scope of the present disclosure. In the following detailed description, for convenience of explanation, numerous specific details are set forth in order to provide a thorough understanding of the embodiments of the present disclosure. It will be apparent, however, that one or more embodiments may be practiced without these specific details. Also, in the following description, descriptions of well-known structures and techniques are omitted to avoid unnecessarily obscuring the concepts of the present disclosure.

[0027] The terminology used herein is for the purpose of describing particular embodiments only and is not intended to limit the present disclosure. The terms "comprising", "comprising" and the like as used herein indicate the presence o...

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Abstract

The invention provides a risk prevention method which can be applied to the technical field of big data or the field of finance. The risk prevention method comprises the steps that historical risk records and a risk behavior set are acquired, and the risk behavior set comprises a consumption behavior type set associated with the risk records; extracting a risk behavior association rule based on the historical risk record and the risk behavior set; establishing a risk degree evaluation algorithm based on the risk behavior association rule; calculating a to-be-evaluated record risk degree score based on the risk degree evaluation algorithm to obtain a record risk degree rating; and performing risk prevention processing based on the recorded risk degree rating. The invention further provides a risk prevention device and equipment, a storage medium and a program product.

Description

technical field [0001] The present disclosure relates to the technical field of big data or the financial field, and in particular to a risk prevention method, device, equipment, medium and program product. Background technique [0002] Cash-out is one of the more common financial risks. Credit card cashout is the most common cashout method, which refers to the use of point-of-sale terminal equipment and other methods in violation of state regulations to directly pay cash to credit cardholders by means of fictitious transactions, fake prices, and cash returns. Credit card cashing will bring great hidden dangers to the security of bank funds. To avoid this problem, it is necessary to identify the credit card cash-out behavior in time. At present, for the cash-out behavior, it is usually checked through simple manual experience. For example, when an abnormality is found in the characteristic data of a special merchant or card, the transaction journal can be further checked t...

Claims

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Application Information

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IPC IPC(8): G06Q40/02
CPCG06Q40/03
Inventor 罗丁川
Owner INDUSTRIAL AND COMMERCIAL BANK OF CHINA
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