User risk assessment method and device, electronic equipment and storage medium

A risk assessment model and user technology, applied in the financial field, can solve problems such as poor risk assessment effect, inability to assess risk for users, and increase the risk of financial business, so as to improve classification accuracy, enhance feature expression ability, and strong expression effect of ability

Pending Publication Date: 2022-07-29
AGRICULTURAL BANK OF CHINA
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  • Claims
  • Application Information

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Problems solved by technology

[0004] In view of this, the present application provides a user risk assessment method, device, electronic equipment and storage medium to solve the problem that in the prior art, only discrete customer characteristic values ​​are usually calculated, and d

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  • User risk assessment method and device, electronic equipment and storage medium
  • User risk assessment method and device, electronic equipment and storage medium
  • User risk assessment method and device, electronic equipment and storage medium

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[0052] The technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application. Obviously, the described embodiments are only a part of the embodiments of the present application, rather than all the embodiments. Based on the embodiments in the present application, all other embodiments obtained by those of ordinary skill in the art without creative efforts shall fall within the protection scope of the present application.

[0053]In this application, the terms "comprising", "comprising" or any other variation thereof are intended to encompass a non-exclusive inclusion such that a process, method, article or device comprising a list of elements includes not only those elements, but also no Other elements expressly listed, or which are also inherent to such a process, method, article or apparatus. Without further limitation, an element qualified by the phras...

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Abstract

The invention provides a user risk assessment method and device, electronic equipment and a storage medium. In the user risk assessment method, user data of a to-be-assessed user is firstly obtained, and the user data at least comprises user attributes, relation information and transaction information. And inputting the user attributes and the relationship information into a knowledge extraction unit to obtain user knowledge features. And inputting the transaction information into a first linear mapping unit to obtain user transaction characteristics. Inputting the user knowledge features and the user transaction features into a dynamic fusion unit to obtain fusion features; and finally, inputting the fusion feature into a second linear mapping unit to obtain the risk level of the user to be evaluated. The problems that in the prior art, the risk assessment effect of the user is poor, the risk of the user cannot be accurately assessed, and the risk of financial services of financial institutions such as banks is increased are solved.

Description

technical field [0001] The present application relates to the field of financial technology, and in particular, to a user risk assessment method, device, electronic device and storage medium. Background technique [0002] For financial institutions, the risk assessment of customers is very important. All customers have certain risks, especially improper financial behaviors, which need to be effectively identified. Otherwise, not only will the customer’s institution face economic losses, but also the financial order will be disrupted. Endanger financial stability, and even endanger social stability. [0003] In the prior art, when performing risk assessment on customers, only discrete customer characteristic values ​​are usually calculated, and characteristics of different natures are not distinguished, resulting in poor risk assessment effect for users and inability to accurately assess user risks , increasing the risk of financial business of banks and other financial inst...

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Application Information

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IPC IPC(8): G06Q40/08G06Q40/02G06N5/02G06K9/62G06N3/04G06N3/08
CPCG06Q40/08G06N5/025G06N3/04G06N3/08G06Q40/03G06F18/253
Inventor 朱宏康王浩楠郑宝
Owner AGRICULTURAL BANK OF CHINA
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