Method and device for identifying risk user, storage medium and electronic device

A risk and user technology, applied in the computer field, can solve the problems of high formulation cost and poor interpretability, and achieve the effect of solving the high cost of rule formulation, improving interpretability, and reducing the cost of rule formulation.

Pending Publication Date: 2022-07-22
度小满科技(北京)有限公司
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  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] Embodiments of the present invention provide a method, device, storage medium, and electronic device for identifying risky users, so as to at least solve the technical problems of high rule-making costs and poor interpretability in the method for identifying risky users in the prior art

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  • Method and device for identifying risk user, storage medium and electronic device
  • Method and device for identifying risk user, storage medium and electronic device
  • Method and device for identifying risk user, storage medium and electronic device

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Embodiment Construction

[0019] In order to make those skilled in the art better understand the solutions of the present invention, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the accompanying drawings in the embodiments of the present invention. Obviously, the described embodiments are only Embodiments are part of the present invention, but not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by persons of ordinary skill in the art without creative efforts shall fall within the protection scope of the present invention.

[0020] It should be noted that, in the technical solution of the present disclosure, the acquisition, storage and application of the user's personal information involved all comply with the provisions of relevant laws and regulations, and do not violate public order and good customs.

[0021] It should be noted that the terms "first", "second" an...

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Abstract

The invention discloses a method and device for identifying a risk user, a storage medium and an electronic device. The method comprises the following steps: acquiring target data; preprocessing the target data to obtain a preprocessing result; an association network is constructed based on the preprocessing result, the vertex of the association network is a target entity associated with the target user, and the edge of the association network is the relationship between the target entities; performing feature extraction processing according to the associated network to obtain a first user feature, a second user feature and a third user feature; and performing risk identification processing on the first user feature, the second user feature and the third user feature by using a first model to obtain a risk identification result corresponding to the target user, the risk identification result being used for formulating a target risk strategy. The technical problems that in the prior art, a method for identifying a risk user is high in rule making cost and poor in interpretability are solved.

Description

technical field [0001] The present invention relates to the field of computer technology, and in particular, to a method, a device, a storage medium and an electronic device for identifying a risk user. Background technique [0002] Credit is credit loan, which is the main lending method of Chinese banks for a long time. In the credit business, there are mainly two kinds of risks (namely: fraud risk and credit risk). Fraud risk refers to the possibility that the borrower or the borrower has fraud and default. Credit risk is the possibility that a borrower will default due to various reasons failing to repay bank loans in full and in time. There are two main methods of credit anti-fraud and credit risk prediction: [0003] In the prior art, traditional expert anti-fraud methods or methods for establishing anti-fraud and credit risk models can be used to perform credit anti-fraud and credit risk prediction, thereby identifying risky users. However, when using traditional e...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/02G06N3/04G06N3/08
CPCG06N3/08G06N3/045G06Q40/03
Inventor 李寒许贤铭严澄杨青单黎平
Owner 度小满科技(北京)有限公司
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