Risk state information display method and device, computer equipment and storage medium

Abstract

The invention relates to the technical field of artificial intelligence, and particularly discloses a risk state information display method and device, computer equipment and a storage medium. The method comprises the following steps: according to account identification information of a target object, acquiring resource transfer-out information, resource transfer-in information and resource lending information of the account identification information for a target resource pool from a plurality of different resource record data source interfaces by adopting multiple threads; determining resource transfer-out risk information according to the resource transfer-out information, determining resource transfer-in risk information according to the resource transfer-in information, and determining resource lending risk information according to the resource lending information; generating risk state information of the target object for the target resource pool through a risk state information generation model according to the resource transfer-out risk information, the resource transfer-in risk information and the resource lending risk information; and displaying the risk state information of the target object for the target resource pool by using the graphic database. By adopting the method, the accuracy of the risk state information can be improved.

Description

Technical Field

[0001] The present application relates to the field of artificial intelligence technology, and in particular to a risk status information display method, device, computer equipment, computer-readable storage medium and computer program product. Background Art

[0002] In the financial industry, risk assessment, as a core management process, is essential to ensure the stable operation of financial institutions, protect the interests of investors and customers, and maintain the health of the entire financial system. Risk assessment is the process of identifying, analyzing and evaluating potential risks in the financial field. It aims to measure the possibility of risk occurrence and the potential impact of these risks. Effective and accurate risk assessment of market risk, credit risk, etc. helps to maintain the continuity and stability of financial business.

[0003] Traditional technology mainly uses existing experience or historical data for risk assessment. However, traditional technology relies on the comprehensiveness of existing experience and historical data. When existing experience and historical data cannot cover complex and diverse risk factors, the risk status information obtained based on traditional technology cannot accurately reflect the real financial risks. At the same time, traditional technology is easily affected by subjective factors, which in turn leads to a decrease in the accuracy of risk status information. Traditional technology has the problem of low accuracy of risk status information. Summary of the invention

[0004] Based on this, it is necessary to provide a risk status information display method, device, computer equipment, computer-readable storage medium and computer program product that can improve the accuracy of risk status information in response to the above technical problems.

[0005] In a first aspect, the present application provides a method for displaying risk status information, comprising:

[0006] According to the account identification information of the target object, using multithreading to obtain the resource transfer-out information, resource transfer-in information and resource loan information of the account identification information for the target resource pool from multiple different resource record data source interfaces;

[0007] Determine resource transfer-out risk information based on the resource transfer-out information, determine resource transfer-in risk information based on the resource transfer-in information, and determine resource secondment risk information based on the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions;

[0008] Generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generation model;

[0009] The risk status information of the target object with respect to the target resource pool is displayed using a graphic database.

[0010] In one embodiment, determining resource transfer risk information according to the resource transfer information includes:

[0011] Determine first resource transfer quantity information corresponding to a first type of resource transfer operation according to the resource transfer information; the first type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is house rental;

[0012] Determining second resource transfer quantity information corresponding to a second type of resource transfer operation according to the resource transfer information; the second type of resource transfer operation represents a resource transfer operation in which the use of the target resource is consumed by other housing resources;

[0013] Determine, according to the resource transfer information, third resource transfer quantity information corresponding to a third type of resource transfer operation; the third type of resource transfer operation represents a resource transfer operation when the account identification information is cancelled;

[0014] According to the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information, and the weight corresponding to the third resource transfer quantity information, the first resource transfer quantity information, the second resource transfer quantity information, and the third resource transfer quantity information are weightedly summed to obtain the resource transfer risk information.

[0015] In one embodiment, determining the resource transfer risk information according to the resource transfer information includes:

[0016] Determine first resource transfer quantity information corresponding to a first type of resource transfer operation according to the resource transfer information; the first type of resource transfer operation represents a resource transfer operation that meets preset resource transfer requirements;

[0017] Determine, according to the resource transfer-in information, second resource transfer-in quantity information corresponding to a second type of resource transfer-in operation; the second type of resource transfer-in operation represents a resource transfer-out operation in which a resource transfer-in ratio is greater than a preset resource transfer-in ratio;

[0018] Determining third resource transfer quantity information corresponding to a third type of resource transfer operation according to the resource transfer information; the third type of resource transfer operation represents an unfinished resource transfer operation;

[0019] According to the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information and the weight corresponding to the third resource transfer quantity information, the first resource transfer quantity information, the second resource transfer quantity information and the third resource transfer quantity information are weightedly summed to obtain the resource transfer risk information.

[0020] In one embodiment, determining resource secondment risk information according to the resource secondment information includes:

[0021] Determine first resource secondment quantity information corresponding to a first type of resource secondment operation according to the resource secondment information; the first type of resource secondment operation represents a resource secondment operation that meets preset resource secondment requirements;

[0022] Determine, according to the resource secondment information, second resource secondment quantity information corresponding to the second type of resource secondment operation; the second type of resource secondment operation represents a resource secondment operation that does not meet the preset resource secondment requirements;

[0023] The resource secondment risk information is obtained by performing a weighted summation of the first resource secondment quantity information and the second resource secondment quantity information according to the weight corresponding to the first resource secondment quantity information and the weight corresponding to the second resource secondment quantity information.

[0024] In one embodiment, the generating the risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through the risk status information generating model includes:

[0025] Obtaining, through the risk status information generation model, a first weight corresponding to the resource transfer-out risk information, a second weight corresponding to the resource transfer-in risk information, and a third weight corresponding to the resource secondment risk information;

[0026] The risk status information generation model performs weighted summation of the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information according to the first weight, the second weight and the third weight to obtain comprehensive risk information;

[0027] The risk status information generation model determines the risk status information of the target object with respect to the target resource pool according to the comprehensive risk information and a preset risk threshold.

[0028] In one embodiment, the method further comprises:

[0029] Acquire risk status information of an associated object associated with the target object for the target resource pool;

[0030] A user portrait relationship graph for the target resource pool is generated based on the risk status information of the target object with respect to the target resource pool and the risk status information of the associated object with respect to the target resource pool; the points in the user portrait relationship graph represent the target object or the associated object; the edges in the user portrait relationship graph represent the association relationship between the target object and the associated object; the attribute information of the points in the user portrait relationship graph represents the risk status information of the target object with respect to the target resource pool or the risk status information of the associated object with respect to the target resource pool.

[0031] In a second aspect, the present application also provides a risk status information display device, including:

[0032] A determination module, configured to obtain, according to the account identification information of the target object, resource transfer-out information, resource transfer-in information and resource loan information of the account identification information for the target resource pool from multiple different resource record data source interfaces using multithreading;

[0033] A calculation module, used to determine resource transfer-out risk information according to the resource transfer-out information, determine resource transfer-in risk information according to the resource transfer-in information, and determine resource secondment risk information according to the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions;

[0034] A generating module, configured to generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generating model;

[0035] The display module is used to display the risk status information of the target object with respect to the target resource pool by using a graphic database.

[0036] In a third aspect, the present application further provides a computer device, including a memory and a processor, wherein the memory stores a computer program, and when the processor executes the computer program, the following steps are implemented:

[0037] According to the account identification information of the target object, using multithreading to obtain the resource transfer-out information, resource transfer-in information and resource loan information of the account identification information for the target resource pool from multiple different resource record data source interfaces;

[0038] Determine resource transfer-out risk information based on the resource transfer-out information, determine resource transfer-in risk information based on the resource transfer-in information, and determine resource secondment risk information based on the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions;

[0039] Generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generation model;

[0040] The risk status information of the target object with respect to the target resource pool is displayed using a graphic database.

[0041] In a fourth aspect, the present application further provides a computer-readable storage medium having a computer program stored thereon, wherein when the computer program is executed by a processor, the following steps are implemented:

[0042] According to the account identification information of the target object, using multithreading to obtain the resource transfer-out information, resource transfer-in information and resource loan information of the account identification information for the target resource pool from multiple different resource record data source interfaces;

[0043] Determine resource transfer-out risk information based on the resource transfer-out information, determine resource transfer-in risk information based on the resource transfer-in information, and determine resource secondment risk information based on the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions;

[0044] Generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generation model;

[0045] The risk status information of the target object with respect to the target resource pool is displayed using a graphic database.

[0046] In a fifth aspect, the present application further provides a computer program product, including a computer program, which implements the following steps when executed by a processor:

[0047] According to the account identification information of the target object, using multithreading to obtain the resource transfer-out information, resource transfer-in information and resource loan information of the account identification information for the target resource pool from multiple different resource record data source interfaces;

[0048] Determine resource transfer-out risk information based on the resource transfer-out information, determine resource transfer-in risk information based on the resource transfer-in information, and determine resource secondment risk information based on the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions;

[0049] Generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generation model;

[0050] The risk status information of the target object with respect to the target resource pool is displayed using a graphic database.

[0051] The above-mentioned risk status information display method, device, computer equipment, computer-readable storage medium and computer program product, by using multi-threading to obtain the account identification information for the target resource pool from multiple different resource record data source interfaces based on the account identification information of the target object, thereby accurately obtaining the resource transfer-out information, resource transfer-in information and resource loan information associated with the target object from multiple different resource record data source interfaces based on the account identification information of the target object, providing a data basis for the subsequent generation of risk status information, determining the resource transfer risk information based on the resource transfer-out information, and determining the resource transfer risk information based on the resource transfer-out information. The transfer-in information determines the resource transfer-in risk information, and the resource secondment risk information is determined according to the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object for the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object for the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object for the target resource pool meets the preset resource secondment conditions, thereby analyzing the resource transfer-out information, resource transfer-in information and resource secondment information, as well as the resource change conditions corresponding to the resource transfer-out information, resource transfer-in information and resource secondment information, and accurately obtaining the resource The risk status information of the target object for the target resource pool is generated according to the resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information through the risk status information generation model, so as to analyze the resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information based on the risk status information generation model, obtain accurate risk status information, use the graphic database to display the risk status information of the target object for the target resource pool, and thus provide the risk status information of the target object for the target resource pool in the form of a graphic database. The user can intuitively and vividly display the risk status information of the target object for the target resource pool, and can analyze whether the resource transfer-out information, resource transfer-in information and resource secondment information of the target object for the target resource pool meet the corresponding preset resource change conditions, and obtain accurate resource transfer-in risk information, resource secondment risk information and resource secondment risk information. The risk status information generation model is used to combine the resource transfer-in risk information, resource secondment risk information and resource secondment risk information to accurately output the risk status information corresponding to the target object, and the risk status information is intuitively and vividly displayed to the user in the form of a graphic database, thereby achieving the beneficial effect of improving the accuracy of the risk status information. BRIEF DESCRIPTION OF THE DRAWINGS

[0052] In order to more clearly illustrate the technical solutions in the embodiments of the present application or related technologies, the drawings required for use in the embodiments of the present application or related technical descriptions will be briefly introduced below. Obviously, the drawings described below are only some embodiments of the present application. For ordinary technicians in this field, other related drawings can be obtained based on these drawings without paying creative work.

[0053] Figure 1 It is an application environment diagram of a risk status information display method in one embodiment;

[0054] Figure 2 A schematic diagram of a flow chart of a risk status information display method in an embodiment;

[0055] Figure 3 A schematic diagram of a process for analyzing an operation status of a target resource pool in an embodiment;

[0056] Figure 4 is a schematic diagram showing risk status information in one embodiment;

[0057] Figure 5 A schematic diagram of a process for generating risk status information in an embodiment;

[0058] Figure 6 It is a structural block diagram of a risk status information display device in an embodiment;

[0059] Figure 7 The figure is a diagram of the internal structure of a computer device in one embodiment. DETAILED DESCRIPTION

[0060] In order to make the purpose, technical solutions and advantages of the present application clearer, the present application is further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are only used to explain the present application and are not used to limit the present application. It should be noted that in the embodiments of the present application, certain software, groups, models and other existing solutions in the industry may be mentioned, which should be considered as exemplary, and their purpose is only to illustrate the feasibility of the implementation of the technical solution of the present application, but it does not mean that the applicant has or will necessarily use the solution.

[0061] It should be noted that the user information (including but not limited to user device information, user personal information, etc.) and data (including but not limited to data used for analysis, stored data, displayed data, etc.) involved in this application are all information and data authorized by the user or fully authorized by all parties, and the collection, use and processing of relevant data must comply with relevant regulations. The acquisition, storage, use, and processing of data in the technical solution of this application are in compliance with relevant provisions of national laws and regulations.

[0062] The risk status information display method provided in the embodiment of the present application can be applied to Figure 1 In the application environment shown, the terminal 102 communicates with the server 104 through a network. The data storage system can store data that the server 104 needs to process. The data storage system can be integrated on the server 104, or placed on the cloud or other network servers. Terminal 102 uses multi-threading to obtain the account identification information of the target object from multiple different resource record data source interfaces, including resource transfer-out information, resource transfer-in information and resource loan information for the target resource pool; terminal 102 determines the resource transfer-out risk information according to the resource transfer-out information, determines the resource transfer-in risk information according to the resource transfer-in information, and determines the resource loan risk information according to the resource loan information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object for the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object for the target resource pool meets the preset resource transfer-in conditions; the resource loan risk information represents whether the resource loan operation of the target object for the target resource pool meets the preset resource loan conditions; terminal 102 generates the risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource loan risk information through a risk status information generation model; terminal 102 uses a graphic database to display the risk status information of the target object for the target resource pool. The terminal 102 may be, but is not limited to, various personal computers, laptops, smart phones, tablet computers, IoT devices, and portable wearable devices. The IoT devices may be smart TVs, smart car devices, projection devices, etc. Portable wearable devices may be smart watches, head-mounted devices, etc. Head-mounted devices may be virtual reality (VR) devices, augmented reality (AR) devices, smart glasses, etc. The server 104 may be an independent physical server, or a server cluster or distributed system consisting of multiple physical servers, or a cloud server that provides cloud computing services.

[0063] In an exemplary embodiment, Figure 2 As shown, a risk status information display method is provided, which is described by taking the method applied to a terminal as an example, and includes the following steps S202 to S208. Among them:

[0064] Step S202: According to the account identification information of the target object, multi-threading is used to obtain the resource transfer-out information, resource transfer-in information and resource loan information of the target resource pool from multiple different resource record data source interfaces.

[0065] The target object may refer to a user of a target resource in a target resource pool. In practical applications, the target object may include but is not limited to a bank user.

[0066] The account identification information may refer to information representing the identity of the target object. In practical applications, the account identification information may include but is not limited to an account ID.

[0067] The resource record data source interface may refer to a programming interface for accessing and managing data such as resource records.

[0068] The target resource pool may refer to a collection of target resources. In practical applications, the target resources may include but are not limited to funds and items.

[0069] The resource transfer-out information may refer to information representing the quantity of target resources obtained by the target object from the target resource pool. In practical applications, the resource transfer-out information may include the extraction quantity.

[0070] The resource transfer information may refer to information representing the quantity of target resources added by the target object to the target resource pool. In practical applications, the resource transfer information may include the deposit quantity.

[0071] The resource secondment information may refer to information representing the quantity of target resources seconded by the target object.

[0072] As an example, the terminal can obtain the account identification information of the target object, and based on the account identification information of the target object, the terminal can then use multi-threading to obtain the account identification information from multiple different resource record data source interfaces for the resource transfer-out information, resource transfer-in information and resource secondment information of the target resource pool. The terminal can analyze the above resource transfer-out information, resource transfer-in information and resource secondment information to determine the risk status information corresponding to the target object. In actual applications, the terminal can also perform data pre-processing such as cleaning, sorting and converting the above resource transfer-out information, resource transfer-in information and resource secondment information to ensure data quality. The terminal can perform risk analysis based on the resource transfer-out information, resource transfer-in information and resource secondment information after data pre-processing.

[0073] Step S204, determine the resource transfer-out risk information based on the resource transfer-out information, determine the resource transfer-in risk information based on the resource transfer-in information, and determine the resource secondment risk information based on the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions.

[0074] Among them, resource transfer risk information may refer to information that characterizes whether the resource transfer operation of the target object for the target resource pool complies with the preset resource transfer conditions. In actual applications, the resource transfer operation may include an extraction operation, and the preset resource transfer conditions may include but are not limited to the purpose of the target resource.

[0075] Among them, resource transfer risk information may refer to information that characterizes whether the resource transfer operation of the target object to the target resource pool complies with the preset resource transfer conditions. In actual applications, the resource transfer operation may include a deposit operation, and the preset resource transfer conditions may include but are not limited to the resource transfer method, etc.

[0076] The resource secondment risk information may refer to information indicating whether the resource secondment operation of the target object for the target resource pool complies with preset resource secondment conditions. In practical applications, the preset resource secondment conditions may include resource secondment methods.

[0077] As an example, the terminal can analyze the resource transfer-out record of the target object based on the resource transfer-out information and the resource transfer-out operation corresponding to the resource transfer-out information to determine the resource transfer-out risk information. The terminal can analyze the resource transfer-in record of the target object based on the resource transfer-in information and the resource transfer-in operation corresponding to the resource transfer-in information to determine the resource transfer-in risk information. The terminal can analyze the resource secondment record of the target object based on the resource secondment information and the resource secondment operation corresponding to the resource secondment information to determine the resource secondment risk information.

[0078] Step S206, generating risk status information of the target object for the target resource pool according to the resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information through the risk status information generation model.

[0079] Among them, the risk status information generation model may refer to a model used to generate risk status information. In practical applications, the risk status information generation model may include but is not limited to a neural network model.

[0080] The risk status information may refer to information characterizing the degree of risk in the process of the target object processing the target resource. In practical applications, the risk status information may include but is not limited to low risk, medium risk and high risk.

[0081] As an example, the terminal can input resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information into a pre-trained risk status information generation model, and predict the risk status of the target object for the target resource pool based on the resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information through the risk status information generation model. The output result of the risk status information generation model can be used as the risk status information of the target object for the target resource pool.

[0082] Step S208: Using a graphic database to display risk status information of the target object for the target resource pool.

[0083] The graph database may refer to a system for managing data. In practical applications, the graph database may include a graph database.

[0084] As an example, the terminal may construct a graphic database based on the risk status information of the target object with respect to the target resource pool, and the graphic database may be used to display the risk status information of the target object with respect to the target resource pool.

[0085] In the above-mentioned risk status information display method, by using multi-threading to obtain the account identification information of the target object from multiple different resource record data source interfaces, the resource transfer-out information, resource transfer-in information and resource loan information of the target resource pool are accurately obtained from multiple different resource record data source interfaces based on the account identification information of the target object, thereby providing a data basis for the subsequent generation of risk status information, determining the resource transfer-out risk information according to the resource transfer-out information, determining the resource transfer-in risk information according to the resource transfer-in information, and determining the resource transfer-in risk information according to the resource transfer-out information. The secondment information determines the resource secondment risk information; the resource transfer-out risk information indicates whether the resource transfer-out operation of the target object for the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information indicates whether the resource transfer-in operation of the target object for the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information indicates whether the resource secondment operation of the target object for the target resource pool meets the preset resource secondment conditions, thereby analyzing the resource transfer-out information, resource transfer-in information and resource secondment information, as well as the resource change conditions corresponding to the resource transfer-out information, resource transfer-in information and resource secondment information, and accurately obtaining the resource transfer-in risk information and resource secondment risk information. The risk status information of the target object for the target resource pool is generated according to the resource transfer-out risk information, resource transfer-in risk information and resource transfer risk information through the risk status information generation model, thereby analyzing the resource transfer-out risk information, resource transfer-in risk information and resource transfer risk information based on the risk status information generation model to obtain accurate risk status information, and using the graphic database to display the risk status information of the target object for the target resource pool, thereby providing users with intuitive and vivid information in the form of a graphic database. It can accurately display the risk status information of the target object for the target resource pool, analyze whether the resource transfer-out information, resource transfer-in information and resource secondment information of the target object for the target resource pool meet the corresponding preset resource change conditions, obtain accurate resource transfer-in risk information, resource secondment risk information and resource secondment risk information, use the risk status information generation model to combine the resource transfer-in risk information, resource secondment risk information and resource secondment risk information, accurately output the risk status information corresponding to the target object, and use the form of a graphic database to intuitively and vividly display the risk status information to users, thereby achieving the beneficial effect of improving the accuracy of the risk status information.

[0086] In an exemplary embodiment, determining resource transfer risk information based on resource transfer information includes: determining first resource transfer quantity information corresponding to a first type of resource transfer operation based on the resource transfer information; the first type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is house rental; determining second resource transfer quantity information corresponding to a second type of resource transfer operation based on the resource transfer information; the second type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is other housing resource consumption; determining third resource transfer quantity information corresponding to a third type of resource transfer operation based on the resource transfer information; the third type of resource transfer operation represents a resource transfer operation when account identification information is cancelled; and performing weighted summation on the first resource transfer quantity information, the second resource transfer quantity information and the third resource transfer quantity information based on the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information and the weight corresponding to the third resource transfer quantity information to obtain resource transfer risk information.

[0087] The first resource transfer quantity information may refer to information representing the quantity of target resources transferred by the first type of resource transfer operation.

[0088] The first type of resource transfer operation may refer to a resource transfer operation that indicates that the purpose of the target resource is house rental.

[0089] The second resource transfer quantity information may refer to information representing the quantity of target resources transferred by the second type of resource transfer operation.

[0090] Among them, the second type of resource transfer operation may refer to a resource transfer operation that characterizes that the use of the target resource is other housing resource consumption (such as other housing consumption).

[0091] The third resource transfer quantity information may refer to information representing the quantity of target resources transferred by the third type of resource transfer operation.

[0092] The third type of resource transfer-out operation represents a resource transfer-out operation when account identification information is cancelled (such as account cancellation).

[0093] As an example, take the target resource transfer operation as fund withdrawal, such as Figure 3As shown, a flowchart for analyzing the operation status of the target resource pool is provided. The extraction methods include rental extraction, other housing consumption extraction, and account cancellation extraction. Account cancellation extraction can be divided into two types: non-local account cancellation and retirement account cancellation. The terminal can determine the first resource transfer quantity information corresponding to the first type of resource transfer operation (such as rental extraction), determine the second resource transfer quantity information corresponding to the second type of resource transfer operation (such as other housing consumption), and determine the third resource transfer quantity information corresponding to the third type of resource transfer operation (such as account cancellation extraction) according to the resource transfer information. Then, the terminal can determine the weight corresponding to the first resource transfer quantity information (which can be expressed as H zc1 ), the weight corresponding to the second resource transfer quantity information (which can be expressed as H zc2 ) and the weight corresponding to the third resource transfer quantity information (which can be expressed as H zc3 ), the first resource transfer quantity information, the second resource transfer quantity information and the third resource transfer quantity information are weighted and summed to obtain the resource transfer risk information. It is worth noting that when the target object does not extract the target resource, the weight corresponding to the resource transfer operation that does not extract the target resource can be expressed as H zc0 At this time, the terminal can calculate the weight H corresponding to the resource transfer operation that has not extracted the target resource. zc0 , the weight H corresponding to the first resource transfer quantity information zc1 , the weight H corresponding to the second resource transfer quantity information zc2 The weight H corresponding to the amount of third-party resource transfer information zc3 , perform weighted summation on the resource quantity information of the target object that has not extracted the target resource, the first resource transfer quantity information, the second resource transfer quantity information, and the third resource transfer quantity information to obtain the resource transfer risk information. Among them, H zc0 , H zc1 , H zc2 and H zc3 All can be flexibly adjusted according to actual needs.

[0094] In this embodiment, first resource transfer quantity information corresponding to a first type of resource transfer operation is determined according to resource transfer information; the first type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is house rental; second resource transfer quantity information corresponding to a second type of resource transfer operation is determined according to the resource transfer information; the second type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is other housing resource consumption; third resource transfer quantity information corresponding to a third type of resource transfer operation is determined according to the resource transfer information; the third type of resource transfer operation represents a resource transfer operation when the account identification information is cancelled; and the first resource transfer quantity information is determined according to the resource transfer information. The weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information and the weight corresponding to the third resource transfer quantity information are weighted and summed up to obtain the resource transfer risk information. The resource transfer quantity of each resource transfer operation can be analyzed in detail, and the resource transfer risk information can be accurately calculated in combination with the weight of each resource transfer operation to improve the accuracy of the resource transfer risk information, providing a data basis for the subsequent acquisition of risk status information based on resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information, thereby achieving the beneficial effect of improving the accuracy of risk status information.

[0095] In an exemplary embodiment, resource transfer risk information is determined based on resource transfer information, including: determining first resource transfer quantity information corresponding to a first type of resource transfer operation based on the resource transfer information; the first type of resource transfer operation represents a resource transfer-out operation that meets preset resource transfer requirements; determining second resource transfer quantity information corresponding to a second type of resource transfer operation based on the resource transfer information; the second type of resource transfer operation represents a resource transfer-out operation with a resource transfer ratio greater than a preset resource transfer ratio; determining third resource transfer quantity information corresponding to a third type of resource transfer operation based on the resource transfer information; the third type of resource transfer operation represents an unfinished resource transfer operation; and performing weighted summation of the first resource transfer quantity information, the second resource transfer quantity information, and the third resource transfer quantity information based on a weight corresponding to the first resource transfer quantity information, a weight corresponding to the second resource transfer quantity information, and a weight corresponding to the third resource transfer quantity information to obtain resource transfer risk information.

[0096] The first resource transfer quantity information may refer to information representing the quantity of target resources transferred by the first type of resource transfer operation.

[0097] Among them, the first type of resource transfer-in operation may refer to a resource transfer-out operation that represents compliance with preset resource transfer-in requirements. In actual applications, the preset resource transfer-in requirements may include but are not limited to transferring target resources at a preset transfer ratio (such as a deposit ratio). The first type of resource transfer-in operation may include normal deposits.

[0098] The second resource transfer quantity information may refer to information representing the quantity of target resources transferred by the second type of resource transfer operation.

[0099] Among them, the second type of resource transfer-in operation may refer to a resource transfer-out operation characterized by a resource transfer-in ratio that is greater than a preset resource transfer-in ratio. In actual applications, the resource transfer-in ratio may refer to information representing the ratio of the number of target resources transferred in by the second type of resource transfer-in operation within a preset time period to the total resource ownership of the target object. The second type of resource transfer-in operation may include over-proportional deposits.

[0100] The third resource transfer quantity information may refer to information representing the quantity of target resources transferred by the third type of resource transfer operation.

[0101] The third type of resource transfer-in operation may refer to an unfinished resource transfer-in operation. In actual applications, an unfinished resource transfer-in operation may include an undeposited operation.

[0102] As an example, take the target resource transfer operation as a fund deposit, such as Figure 3 As shown, a flow chart for analyzing the operation status of a target resource pool is provided. The payment method can be divided into three situations: normal payment, over-proportion payment, and non-payment. Non-payment can be divided into two situations: actual non-payment and center leakage. The terminal can determine the first resource transfer quantity information corresponding to the first type of resource transfer operation (such as normal payment), determine the second resource transfer quantity information corresponding to the second type of resource transfer operation (such as over-proportion payment), and determine the third resource transfer quantity information corresponding to the third type of resource transfer operation (such as non-payment) according to the resource transfer information. Then, the terminal can determine the first resource transfer quantity information according to the weight corresponding to the first resource transfer quantity information (which can be expressed as H zr1 ), the weight corresponding to the second resource transfer quantity information (which can be expressed as H zr2 ) and the weight corresponding to the amount of third resource transfer information (which can be expressed as H zr3 ), perform weighted summation of the first resource transfer quantity information, the second resource transfer quantity information, and the third resource transfer quantity information to obtain resource transfer risk information. Among them, H zr1 , H zr2 and H zr3 All can be flexibly adjusted according to actual needs.

[0103] In this embodiment, first resource transfer quantity information corresponding to a first type of resource transfer-in operation is determined according to resource transfer-in information; the first type of resource transfer-in operation represents a resource transfer-out operation that meets preset resource transfer requirements; second resource transfer quantity information corresponding to a second type of resource transfer-in operation is determined according to the resource transfer-in information; the second type of resource transfer-in operation represents a resource transfer-out operation whose resource transfer ratio is greater than the preset resource transfer ratio; third resource transfer quantity information corresponding to a third type of resource transfer-in operation is determined according to the resource transfer-in information; the third type of resource transfer operation represents an unfinished resource transfer operation; The corresponding weight, the weight corresponding to the second resource transfer quantity information and the weight corresponding to the third resource transfer quantity information are weighted and summed up for the first resource transfer quantity information, the second resource transfer quantity information and the third resource transfer quantity information to obtain the resource transfer risk information, which can analyze the resource transfer-out quantity of each resource transfer operation in detail, and combine the weight of each resource transfer operation to accurately calculate the resource transfer risk information, improve the accuracy of the resource transfer risk information, and provide a data basis for the subsequent acquisition of risk status information based on resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information, thereby achieving the beneficial effect of improving the accuracy of risk status information.

[0104] In an exemplary embodiment, determining resource secondment risk information based on resource secondment information includes: determining first resource secondment quantity information corresponding to a first type of resource secondment operation based on the resource secondment information; the first type of resource secondment operation represents a resource secondment operation that meets preset resource secondment requirements; determining second resource secondment quantity information corresponding to a second type of resource secondment operation based on the resource secondment information; the second type of resource secondment operation represents a resource secondment operation that does not meet preset resource secondment requirements; performing weighted summation of the first resource secondment quantity information and the second resource secondment quantity information based on a weight corresponding to the first resource secondment quantity information and a weight corresponding to the second resource secondment quantity information to obtain resource secondment risk information.

[0105] The first resource secondment quantity information may refer to information characterizing the quantity of target resources seconded by the first type of resource secondment operation.

[0106] The first type of resource secondment operation may refer to a resource secondment operation that meets preset resource secondment requirements. In actual applications, the first type of resource secondment operation may include normal resource secondment.

[0107] The second resource secondment quantity information may refer to information characterizing the quantity of target resources seconded by the second type of resource secondment operation.

[0108] Among them, the second type of resource secondment operation may refer to a resource secondment operation that does not meet the preset resource secondment requirements. In actual applications, the second type of resource secondment operation may include but is not limited to the target object having other resource secondment operations before this resource secondment operation (such as multiple fund secondments by one person).

[0109] As an example, the target resource transfer operation is a fund transfer. Figure 3 As shown, a flow chart for analyzing the operation status of a target resource pool is provided. The fund borrowing mode is divided into normal fund borrowing and one-person multiple fund borrowing. The terminal can determine the first resource borrowing quantity information corresponding to the first type of resource borrowing operation (normal fund borrowing) and the second resource borrowing quantity information corresponding to the second type of resource borrowing operation (one-person multiple fund borrowing) according to the resource borrowing information. Then, the terminal can determine the first resource borrowing quantity information according to the weight corresponding to the first resource borrowing quantity information (which can be expressed as H jd1 ) and the weight corresponding to the second resource loan quantity information (which can be expressed as H jd2 ) performs a weighted summation of the first resource secondment quantity information and the second resource secondment quantity information to obtain resource secondment risk information. It is worth noting that when the target object does not perform the target resource secondment operation (that is, the target object has no fund secondment behavior or fund secondment record), the weight of the target object not performing the target resource secondment operation can be expressed as H jd0 , where H jd0 , H jd1 and H jd2 All can be flexibly adjusted according to actual needs.

[0110] In this embodiment, the first resource secondment quantity information corresponding to the first type of resource secondment operation is determined according to the resource secondment information; the first type of resource secondment operation represents the resource secondment operation that meets the preset resource secondment requirements; the second resource secondment quantity information corresponding to the second type of resource secondment operation is determined according to the resource secondment information; the second type of resource secondment operation represents the resource secondment operation that does not meet the preset resource secondment requirements; the first resource secondment quantity information and the second resource secondment quantity information are weightedly summed according to the weight corresponding to the first resource secondment quantity information and the weight corresponding to the second resource secondment quantity information to obtain the resource secondment risk information, which can analyze the resource secondment quantity of each resource secondment operation in detail, and accurately calculate the resource secondment risk information in combination with the weight of each resource secondment operation, thereby improving the accuracy of the resource secondment risk information, and providing a data basis for the subsequent acquisition of risk status information based on resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information, thereby achieving the beneficial effect of improving the accuracy of the risk status information.

[0111] In an exemplary embodiment, risk status information of a target object for a target resource pool is generated according to resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information through a risk status information generation model, including: obtaining a first weight corresponding to the resource transfer-out risk information, a second weight corresponding to the resource transfer-in risk information and a third weight corresponding to the resource secondment risk information through the risk status information generation model; performing weighted summation of the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information according to the first weight, the second weight and the third weight through the risk status information generation model to obtain comprehensive risk information; determining the risk status information of the target object for the target resource pool according to the comprehensive risk information and a preset risk threshold through the risk status information generation model.

[0112] The first weight may refer to information representing the importance of resource transfer risk information relative to risk status information. In practical applications, the first weight may be expressed as H1.

[0113] The second weight may refer to the importance of the resource transfer risk information relative to the risk status information. In practical applications, the second weight may be expressed as H2.

[0114] The third weight may refer to the importance of resource secondment risk information relative to risk status information. In practical applications, the third weight may be expressed as H3.

[0115] Among them, the comprehensive risk information may refer to the result obtained by weighted summing up the resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information based on the first weight, the second weight and the third weight.

[0116] Among them, the preset risk threshold may refer to pre-set information used to determine the level of risk status in combination with comprehensive risk information.

[0117] As an example, the terminal can pre-train the risk status information generation model with the input values ​​of resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information, and the risk status information generation model can obtain the first weight H1 corresponding to the resource transfer-out risk information t, the second weight H2 corresponding to the resource transfer-in risk information j and the third weight H3 corresponding to the resource secondment risk information d, and then the risk status information generation model can perform weighted summation of the resource transfer-out risk information, resource transfer-in risk information and resource secondment risk information according to the first weight, the second weight and the third weight, and calculate the comprehensive risk information w=t*H1+j*H2+d*H3, and then the risk status information generation model can determine the risk status information of the target object for the target resource pool according to the comprehensive risk information and the preset risk threshold. Among them, H1, H2 and H3 can be flexibly adjusted according to actual needs.

[0118] In this embodiment, a first weight corresponding to the resource transfer-out risk information, a second weight corresponding to the resource transfer-in risk information, and a third weight corresponding to the resource secondment risk information are obtained through a risk status information generation model; the resource transfer-out risk information, the resource transfer-in risk information, and the resource secondment risk information are weighted and summed according to the first weight, the second weight, and the third weight through the risk status information generation model to obtain comprehensive risk information; the risk status information generation model determines the risk status information of the target object for the target resource pool according to the comprehensive risk information and a preset risk threshold, and the risk status information generation model can be used to accurately calculate the comprehensive risk information based on the resource transfer-out risk information, the resource transfer-in risk information, and the resource secondment risk information and the corresponding weights of the resource transfer-out risk information, the resource transfer-in risk information, and the resource secondment risk information, and accurately obtain the risk status information in combination with the preset risk threshold, thereby achieving the beneficial effect of improving the accuracy of the risk status information.

[0119] In an exemplary embodiment, the above method also includes: obtaining risk status information of an associated object associated with the target object for a target resource pool; generating a user portrait relationship graph for the target resource pool based on the risk status information of the target object for the target resource pool and the risk status information of the associated object for the target resource pool; the points in the user portrait relationship graph represent the target object or the associated object; the edges in the user portrait relationship graph represent the association relationship between the target object and the associated object; the attribute information of the points in the user portrait relationship graph represents the risk status information of the target object for the target resource pool or the risk status information of the associated object for the target resource pool.

[0120] The associated object may refer to an object and / or account that has an associated relationship with the target object. In practical applications, the associated relationship may include but is not limited to a kinship relationship, a friendship relationship, and an employment relationship.

[0121] Among them, the user portrait relationship diagram may refer to information used to characterize the relationship between the target object and the associated object and the risk status information corresponding to the target object and / or the associated object. In practical applications, the representation form of the user portrait relationship diagram may include but is not limited to a graphic database (such as a graph database).

[0122] As an example, the terminal can obtain the associated object associated with the target object, and obtain the risk status information of the associated object for the target resource pool. Then, the terminal can generate a user portrait relationship diagram for the target resource pool based on the risk status information of the target object for the target resource pool and the risk status information of the associated object for the target resource pool, such as Figure 4As shown, a schematic diagram for displaying risk status information is provided. The risk status information can be displayed in a user portrait relationship diagram. The user portrait relationship diagram can include a target object, an associated object associated with the target object, an associated group associated with the target object, and group members in the associated group. A point or circle in the user portrait relationship diagram can represent the target object or the associated object. An edge in the user portrait relationship diagram can represent the association relationship between the target object and the associated object. The attribute information of the point in the user portrait relationship diagram represents the risk status information of the target object for the target resource pool or the risk status information of the associated object for the target resource pool. It can be understood that in order to make the risk status information intuitively displayable, the terminal can connect the risk status information corresponding to the target object, the associated object, and the group member with the target object, the associated object, and the group member through connecting lines / arrows. The user portrait relationship diagram may also include points representing deposit methods, withdrawal methods and resource borrowing methods. The edges between the target object, associated objects and group members and the points representing the deposit methods can represent the deposit methods of the target object, associated objects and group members. The edges between the target object, associated objects and group members and the points representing the extraction methods can represent the extraction methods of the target object, associated objects and group members. The edges between the target object, associated objects and group members and the points representing the resource borrowing methods can represent the resource borrowing methods of the target object, associated objects and group members.

[0123] In this embodiment, risk status information of associated objects associated with the target object for the target resource pool is obtained; a user portrait relationship graph for the target resource pool is generated according to the risk status information of the target object for the target resource pool and the risk status information of the associated objects for the target resource pool; the points in the user portrait relationship graph represent the target object or the associated objects; the edges in the user portrait relationship graph represent the association relationship between the target object and the associated objects; the attribute information of the points in the user portrait relationship graph represents the risk status information of the target object for the target resource pool or the risk status information of the associated objects for the target resource pool, and the user portrait graph can be constructed by combining the risk status information corresponding to the target object and the associated objects associated with the target object, sorting out the association relationship between the objects, and displaying the risk status information of each object through the user portrait graph, thereby comprehensively displaying the association relationship between the objects and the risk status information of each object, thereby achieving the beneficial effect of improving the display efficiency of the risk status information.

[0124] In one of the exemplary embodiments, the target resource is capital. The risk prediction and assessment of capital can help the financial platform (or regulatory service platform) to efficiently analyze risks, predict the risks of customers through the relationships between the relevant companies and personnel of the relevant companies involved in the deposit, withdrawal, and resource loan of customers (such as target objects), and ensure the stable operation of the financial platform. The terminal can first obtain the user's historical data on funds, including deposit records, withdrawal records, resource loan records, economic conditions, etc., and then the terminal can clean, organize, convert and other processes the collected deposit records, withdrawal records, resource loan records, economic conditions and other data to ensure data quality. The terminal can perform feature selection on the preprocessed data, analyze the preprocessed data, and determine the features that have an impact on predicting risks as target features (or target data). The terminal can use the target features (or target data) as the input of the risk status information generation model, and then the terminal can extract extraction features such as extraction quota, withdrawal amount, and extraction frequency based on the extraction information, extract resource loan features such as resource loan quota, resource loan period, and resource loan interest rate based on the resource loan information, and extract repayment features such as repayment status, repayment amount, and repayment frequency based on the repayment record.

[0125] The terminal can divide the set consisting of extraction features, resource loan features and repayment features into a training set and a test set. The training set is used to train the risk status information generation model, and the test set is used to evaluate the model performance of the risk status information generation model. The training set data is normalized and standardized to improve the efficiency and accuracy of model training. The terminal can select one from machine learning models such as logistic regression, random forest, support vector machine, etc. as the risk status information generation model, and then the terminal can use the training set data to train the risk status information generation model. During the training process, the model needs to be adjusted to determine the model parameters and improve the model performance and accuracy. The terminal can test and evaluate the trained risk status information generation model, calculate the model's accuracy, recall rate, F1 value and other indicators, and evaluate the model's performance. If the model performance does not meet the requirements, the model can be optimized by adjusting model parameters, feature selection, data cleaning and other methods.

[0126] like Figure 5As shown, a flow chart of generating risk status information is provided. When the risk status information of the target object needs to be evaluated, the terminal can periodically obtain the latest resource transfer-in information (such as deposit information), resource transfer-out information (such as extraction information) and resource loan information (such as resource loan information) from the database of the financial platform based on the input identity information (such as ID number and name) of the target object, using multi-threading from resource record data source interfaces such as deposit interface, extraction interface and resource loan interface. The terminal can analyze the deposit situation of the target object based on the resource transfer-in information, and calculate the deposit coefficient j according to the deposit situation. The terminal can analyze the extraction situation of the target object based on the resource transfer-out information, and calculate the extraction coefficient t according to the extraction situation. The terminal can analyze the resource loan situation of the target object based on the resource loan information, and calculate the extraction coefficient t according to the extraction situation. The resource loan coefficient d is calculated based on the resource loan situation, and then the terminal can calculate the comprehensive risk coefficient w=j+t+d based on the deposit coefficient j, the extraction coefficient t and the resource loan coefficient d. Then the terminal can use the risk status information generation model to judge the risk status of the target object based on the comprehensive risk coefficient and the preset risk threshold. Specifically, when the comprehensive risk coefficient w is less than or equal to the first risk threshold (which can be expressed as M1), the risk status information output by the risk status information generation model can be low risk, when the comprehensive risk coefficient w is greater than the first risk threshold M1 and less than the second risk threshold (which can be expressed as M2), the risk status information output by the risk status information generation model can be medium risk, and when the comprehensive risk coefficient w is greater than or equal to the first risk threshold M2, the risk status information output by the risk status information generation model can be high risk. Among them, M1 and M2 can be flexibly adjusted according to actual needs.

[0127] It is understandable that the terminal can build a user portrait and create a data connection based on the user's risk status information: the terminal can configure the data connection name, driver, URL (database connection string), character set encoding, user name, password and other elements, and confirm the connectivity through the test connection function, and save it after confirmation. Among them, the user identity information (such as ID number) can be used as a unique identifier. The terminal can import the user information of each user from the database of the financial platform, and classify the relationship between each user and the associated users associated with each user, and store them in the corresponding Neo4j database, and use the form of a graph database to display the fund deposits, withdrawals, secondments and related company and personnel relationships of each user. Among them, the user's related company and personnel relationships can be marked with the belonging relationships between different levels.

[0128] In this embodiment, multiple data sources are introduced, including historical fund transaction records, personal credit information, resource loan records, etc., and comprehensive analysis is performed to improve the accuracy of prediction. Based on machine learning technology and deep neural network models, feature extraction and modeling are performed on data, and a large amount of fund change data can be analyzed and processed to improve the accuracy and efficiency of risk prediction. In the process of model construction and training, feature selection optimization and sample balancing processing are introduced, and feature selection and optimization techniques are used to improve the stability, generalization ability and prediction ability of the model. With the help of the generalization ability of deep learning algorithms, it can adapt to various situations, and can also self-learn and adapt to new data. It has good practicality and scalability. In actual applications, risk management suggestions can also be provided based on risk status information to help fund management institutions manage and control risks and reduce risk losses.

[0129] It should be understood that, although the various steps in the flowcharts involved in the above-mentioned embodiments are displayed in sequence according to the indication of the arrows, these steps are not necessarily executed in sequence according to the order indicated by the arrows. Unless there is a clear explanation in this article, the execution of these steps does not have a strict order restriction, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above-mentioned embodiments can include multiple steps or multiple stages, and these steps or stages are not necessarily executed at the same time, but can be executed at different times, and the execution order of these steps or stages is not necessarily to be carried out in sequence, but can be executed in turn or alternately with other steps or at least a part of the steps or stages in other steps.

[0130] Based on the same inventive concept, the embodiment of the present application also provides a risk status information display device for implementing the risk status information display method involved above. The implementation scheme for solving the problem provided by the device is similar to the implementation scheme recorded in the above method, so the specific limitations in the embodiments of one or more risk status information display devices provided below can refer to the limitations of the risk status information display method above, and will not be repeated here.

[0131] In an exemplary embodiment, Figure 6 As shown, a risk status information display device is provided, including: a determination module 602, a calculation module 604, a generation module 606 and a display module 608, wherein:

[0132] The determination module 602 is used to obtain resource transfer-out information, resource transfer-in information and resource loan information of the target resource pool from multiple different resource record data source interfaces according to the account identification information of the target object using multiple threads.

[0133] The calculation module 604 is used to determine the resource transfer-out risk information based on the resource transfer-out information, determine the resource transfer-in risk information based on the resource transfer-in information, and determine the resource secondment risk information based on the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool complies with the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool complies with the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool complies with the preset resource secondment conditions.

[0134] A generating module 606, configured to generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generating model;

[0135] The display module 608 is used to display the risk status information of the target object with respect to the target resource pool by using a graphic database.

[0136] In one of the exemplary embodiments, the calculation module 604 is specifically used to determine the first resource transfer quantity information corresponding to the first type of resource transfer operation according to the resource transfer information; the first type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is house rental; determine the second resource transfer quantity information corresponding to the second type of resource transfer operation according to the resource transfer information; the second type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is other housing resource consumption; determine the third resource transfer quantity information corresponding to the third type of resource transfer operation according to the resource transfer information; the third type of resource transfer operation represents a resource transfer operation when the account identification information is cancelled; according to the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information and the weight corresponding to the third resource transfer quantity information, the first resource transfer quantity information, the second resource transfer quantity information and the third resource transfer quantity information are weightedly summed to obtain the resource transfer risk information.

[0137] In one of the exemplary embodiments, the calculation module 604 is specifically used to determine first resource transfer quantity information corresponding to a first type of resource transfer-in operation based on the resource transfer-in information; the first type of resource transfer-in operation represents a resource transfer-out operation that meets preset resource transfer requirements; determine second resource transfer quantity information corresponding to a second type of resource transfer-in operation based on the resource transfer-in information; the second type of resource transfer-in operation represents a resource transfer-out operation with a resource transfer ratio greater than a preset resource transfer ratio; determine third resource transfer quantity information corresponding to a third type of resource transfer operation based on the resource transfer information; the third type of resource transfer operation represents an unfinished resource transfer operation; and based on the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information, and the weight corresponding to the third resource transfer quantity information, perform weighted summation on the first resource transfer quantity information, the second resource transfer quantity information, and the third resource transfer quantity information to obtain the resource transfer risk information.

[0138] In one exemplary embodiment, the calculation module 604 is specifically used to determine first resource secondment quantity information corresponding to a first type of resource secondment operation according to the resource secondment information; the first type of resource secondment operation represents a resource secondment operation that meets the preset resource secondment requirements; determine second resource secondment quantity information corresponding to a second type of resource secondment operation according to the resource secondment information; the second type of resource secondment operation represents a resource secondment operation that does not meet the preset resource secondment requirements; and perform weighted summation of the first resource secondment quantity information and the second resource secondment quantity information according to the weight corresponding to the first resource secondment quantity information and the weight corresponding to the second resource secondment quantity information to obtain the resource secondment risk information.

[0139] In one of the exemplary embodiments, the generation module 606 is specifically used to obtain a first weight corresponding to the resource transfer-out risk information, a second weight corresponding to the resource transfer-in risk information, and a third weight corresponding to the resource secondment risk information through the risk status information generation model; perform weighted summation of the resource transfer-out risk information, the resource transfer-in risk information, and the resource secondment risk information according to the first weight, the second weight, and the third weight through the risk status information generation model to obtain comprehensive risk information; determine the risk status information of the target object for the target resource pool through the risk status information generation model according to the comprehensive risk information and a preset risk threshold.

[0140] In one of the exemplary embodiments, the device also includes a construction module, which is specifically used to obtain risk status information of an associated object associated with the target object for the target resource pool; generate a user portrait relationship graph for the target resource pool according to the risk status information of the target object for the target resource pool and the risk status information of the associated object for the target resource pool; the points in the user portrait relationship graph represent the target object or the associated object; the edges in the user portrait relationship graph represent the association relationship between the target object and the associated object; the attribute information of the points in the user portrait relationship graph represents the risk status information of the target object for the target resource pool or the risk status information of the associated object for the target resource pool.

[0141] Each module in the risk status information display device can be implemented in whole or in part by software, hardware, or a combination thereof. Each module can be embedded in or independent of a processor in a computer device in the form of hardware, or can be stored in a memory in a computer device in the form of software, so that the processor can call and execute operations corresponding to each module.

[0142] In an exemplary embodiment, a computer device is provided. The computer device may be a terminal, and its internal structure diagram may be as shown in FIG. Figure 7 As shown. The computer device includes a processor, a memory, an input / output interface, a communication interface, a display unit and an input device. The processor, the memory and the input / output interface are connected through a system bus, and the communication interface, the display unit and the input device are connected to the system bus through the input / output interface. The processor of the computer device is used to provide computing and control capabilities. The memory of the computer device includes a non-volatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of the operating system and the computer program in the non-volatile storage medium. The input / output interface of the computer device is used to exchange information between the processor and the external device. The communication interface of the computer device is used to communicate with an external terminal in a wired or wireless manner, and the wireless manner can be implemented through WIFI, a mobile cellular network, near field communication (NFC) or other technologies. When the computer program is executed by the processor, a risk status information display method is implemented. The display unit of the computer device is used to form a visually visible picture, which can be a display screen, a projection device or a virtual reality imaging device. The display screen can be a liquid crystal display screen or an electronic ink display screen, and the input device of the computer device can be a touch layer covering the display screen, or a button, trackball or touchpad set on the computer device shell, or an external keyboard, touchpad or mouse.

[0143] Those skilled in the art will understand that Figure 7 The structure shown in the figure is only a block diagram of a part of the structure related to the solution of the present application, and does not constitute a limitation on the computer device to which the solution of the present application is applied. The specific computer device may include more or fewer components than those shown in the figure, or combine certain components, or have a different arrangement of components.

[0144] In one embodiment, a computer device is further provided, including a memory and a processor, wherein a computer program is stored in the memory, and the processor implements the steps in the above method embodiments when executing the computer program.

[0145] In one embodiment, a computer-readable storage medium is provided, on which a computer program is stored. When the computer program is executed by a processor, the steps in the above-mentioned method embodiments are implemented.

[0146] In one embodiment, a computer program product is provided, including a computer program, which implements the steps in the above method embodiments when executed by a processor.

[0147] A person of ordinary skill in the art can understand that all or part of the processes in the above-mentioned embodiment method can be completed by instructing the relevant hardware through a computer program, and the computer program can be stored in a non-volatile computer-readable storage medium. When the computer program is executed, it can include the processes of the embodiments of the above-mentioned methods. Among them, any reference to the memory, database or other medium used in the embodiments provided in the present application can include at least one of non-volatile memory and volatile memory. Non-volatile memory can include read-only memory (ROM), magnetic tape, floppy disk, flash memory, optical memory, high-density embedded non-volatile memory, resistive random access memory (ReRAM), magnetic random access memory (MRAM), ferroelectric random access memory (FRAM), phase change memory (PCM), graphene memory, etc. Volatile memory can include random access memory (RAM) or external cache memory, etc. As an illustration and not limitation, RAM can be in various forms, such as static random access memory (SRAM) or dynamic random access memory (DRAM). The database involved in each embodiment provided in this application may include at least one of a relational database and a non-relational database. Non-relational databases may include distributed databases based on blockchains, etc., but are not limited to this. The processor involved in each embodiment provided in this application may be a general-purpose processor, a central processing unit, a graphics processor, a digital signal processor, a programmable logic device, a data processing logic device based on quantum computing, an artificial intelligence (AI) processor, etc., but are not limited to this.

[0148] The technical features of the above embodiments may be combined arbitrarily. To make the description concise, not all possible combinations of the technical features in the above embodiments are described. However, as long as there is no contradiction in the combination of these technical features, they should be considered to be within the scope of this application.

[0149] The above-described embodiments only express several implementation methods of the present application, and the descriptions thereof are relatively specific and detailed, but they cannot be understood as limiting the scope of the present application. It should be pointed out that, for a person of ordinary skill in the art, several variations and improvements can be made without departing from the concept of the present application, and these all belong to the protection scope of the present application. Therefore, the protection scope of the present application shall be subject to the attached claims.

Claims

1. A method for displaying risk status information, characterized in that: The method comprises: According to the account identification information of the target object, using multithreading to obtain the resource transfer-out information, resource transfer-in information and resource loan information of the account identification information for the target resource pool from multiple different resource record data source interfaces; Determine resource transfer-out risk information based on the resource transfer-out information, determine resource transfer-in risk information based on the resource transfer-in information, and determine resource secondment risk information based on the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions; Generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generation model; The risk status information of the target object with respect to the target resource pool is displayed using a graphic database.

2. The method according to claim 1, characterized in that The determining resource transfer risk information according to the resource transfer information includes: Determine first resource transfer quantity information corresponding to a first type of resource transfer operation according to the resource transfer information; the first type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is house rental; Determining second resource transfer quantity information corresponding to a second type of resource transfer operation according to the resource transfer information; the second type of resource transfer operation represents a resource transfer operation in which the use of the target resource is consumed by other housing resources; Determine, according to the resource transfer information, third resource transfer quantity information corresponding to a third type of resource transfer operation; the third type of resource transfer operation represents a resource transfer operation when the account identification information is cancelled; According to the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information, and the weight corresponding to the third resource transfer quantity information, the first resource transfer quantity information, the second resource transfer quantity information, and the third resource transfer quantity information are weightedly summed to obtain the resource transfer risk information.

3. The method according to claim 1, characterized in that The determining of resource transfer risk information according to the resource transfer information includes: Determine first resource transfer quantity information corresponding to a first type of resource transfer operation according to the resource transfer information; the first type of resource transfer operation represents a resource transfer operation that meets preset resource transfer requirements; Determine, according to the resource transfer-in information, second resource transfer-in quantity information corresponding to a second type of resource transfer-in operation; the second type of resource transfer-in operation represents a resource transfer-out operation in which a resource transfer-in ratio is greater than a preset resource transfer-in ratio; Determining third resource transfer quantity information corresponding to a third type of resource transfer operation according to the resource transfer information; the third type of resource transfer operation represents an unfinished resource transfer operation; According to the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information and the weight corresponding to the third resource transfer quantity information, the first resource transfer quantity information, the second resource transfer quantity information and the third resource transfer quantity information are weightedly summed to obtain the resource transfer risk information.

4. The method according to claim 1, characterized in that: The determining of resource secondment risk information according to the resource secondment information includes: Determine first resource secondment quantity information corresponding to a first type of resource secondment operation according to the resource secondment information; the first type of resource secondment operation represents a resource secondment operation that meets preset resource secondment requirements; Determine, according to the resource secondment information, second resource secondment quantity information corresponding to the second type of resource secondment operation; the second type of resource secondment operation represents a resource secondment operation that does not meet the preset resource secondment requirements; The resource secondment risk information is obtained by performing a weighted summation of the first resource secondment quantity information and the second resource secondment quantity information according to the weight corresponding to the first resource secondment quantity information and the weight corresponding to the second resource secondment quantity information.

5. The method according to claim 1, characterized in that The generating model of risk status information generates the risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information, including: Obtaining, through the risk status information generation model, a first weight corresponding to the resource transfer-out risk information, a second weight corresponding to the resource transfer-in risk information, and a third weight corresponding to the resource secondment risk information; The risk status information generation model performs weighted summation of the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information according to the first weight, the second weight and the third weight to obtain comprehensive risk information; The risk status information generation model determines the risk status information of the target object with respect to the target resource pool according to the comprehensive risk information and a preset risk threshold.

6. The method according to claim 1, characterized in that The method further comprises: Acquire risk status information of an associated object associated with the target object for the target resource pool; A user portrait relationship graph for the target resource pool is generated based on the risk status information of the target object with respect to the target resource pool and the risk status information of the associated object with respect to the target resource pool; the points in the user portrait relationship graph represent the target object or the associated object; the edges in the user portrait relationship graph represent the association relationship between the target object and the associated object; the attribute information of the points in the user portrait relationship graph represents the risk status information of the target object with respect to the target resource pool or the risk status information of the associated object with respect to the target resource pool.

7. A risk status information display device, characterized in that: The device comprises: A determination module, configured to obtain, according to the account identification information of the target object, resource transfer-out information, resource transfer-in information and resource loan information of the account identification information for the target resource pool from multiple different resource record data source interfaces using multithreading; A calculation module, used to determine resource transfer-out risk information according to the resource transfer-out information, determine resource transfer-in risk information according to the resource transfer-in information, and determine resource secondment risk information according to the resource secondment information; the resource transfer-out risk information represents whether the resource transfer-out operation of the target object with respect to the target resource pool meets the preset resource transfer-out conditions; the resource transfer-in risk information represents whether the resource transfer-in operation of the target object with respect to the target resource pool meets the preset resource transfer-in conditions; the resource secondment risk information represents whether the resource secondment operation of the target object with respect to the target resource pool meets the preset resource secondment conditions; A generating module, configured to generate risk status information of the target object for the target resource pool according to the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information through a risk status information generating model; The display module is used to display the risk status information of the target object with respect to the target resource pool by using a graphic database.

8. The device according to claim 7, characterized in that The calculation module is specifically used to determine first resource transfer quantity information corresponding to a first type of resource transfer operation according to the resource transfer information; the first type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is house rental; determine second resource transfer quantity information corresponding to a second type of resource transfer operation according to the resource transfer information; the second type of resource transfer operation represents a resource transfer operation in which the purpose of the target resource is other housing resource consumption; determine third resource transfer quantity information corresponding to a third type of resource transfer operation according to the resource transfer information; the third type of resource transfer operation represents a resource transfer operation when the account identification information is cancelled; According to the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information, and the weight corresponding to the third resource transfer quantity information, the first resource transfer quantity information, the second resource transfer quantity information, and the third resource transfer quantity information are weightedly summed to obtain the resource transfer risk information.

9. The device according to claim 7, characterized in that The calculation module is specifically used to determine first resource transfer quantity information corresponding to a first type of resource transfer operation according to the resource transfer information; the first type of resource transfer operation represents a resource transfer operation that meets the preset resource transfer requirements; Determine, according to the resource transfer-in information, second resource transfer-in quantity information corresponding to a second type of resource transfer-in operation; the second type of resource transfer-in operation represents a resource transfer-out operation in which a resource transfer-in ratio is greater than a preset resource transfer-in ratio; Determining third resource transfer quantity information corresponding to a third type of resource transfer operation according to the resource transfer information; the third type of resource transfer operation represents an unfinished resource transfer operation; According to the weight corresponding to the first resource transfer quantity information, the weight corresponding to the second resource transfer quantity information and the weight corresponding to the third resource transfer quantity information, the first resource transfer quantity information, the second resource transfer quantity information and the third resource transfer quantity information are weightedly summed to obtain the resource transfer risk information.

10. The device according to claim 7, characterized in that The calculation module is specifically used to determine the first resource secondment quantity information corresponding to the first type of resource secondment operation according to the resource secondment information; the first type of resource secondment operation represents the resource secondment operation that meets the preset resource secondment requirements; determine the second resource secondment quantity information corresponding to the second type of resource secondment operation according to the resource secondment information; the second type of resource secondment operation represents the resource secondment operation that does not meet the preset resource secondment requirements; The resource secondment risk information is obtained by performing a weighted summation of the first resource secondment quantity information and the second resource secondment quantity information according to the weight corresponding to the first resource secondment quantity information and the weight corresponding to the second resource secondment quantity information.

11. The device according to claim 7, characterized in that The generating module is specifically used to obtain the first weight corresponding to the resource transfer-out risk information, the second weight corresponding to the resource transfer-in risk information, and the third weight corresponding to the resource secondment risk information through the risk status information generating model; The risk status information generation model performs weighted summation of the resource transfer-out risk information, the resource transfer-in risk information and the resource secondment risk information according to the first weight, the second weight and the third weight to obtain comprehensive risk information; The risk status information generation model determines the risk status information of the target object with respect to the target resource pool according to the comprehensive risk information and a preset risk threshold.

12. The device according to claim 7, characterized in that The device also includes a construction module, which is specifically used to obtain risk status information of an associated object associated with the target object for the target resource pool; generate a user portrait relationship diagram for the target resource pool according to the risk status information of the target object for the target resource pool and the risk status information of the associated object for the target resource pool; The points in the user portrait relationship graph represent the target object or the associated object; the edges in the user portrait relationship graph represent the association relationship between the target object and the associated object; The attribute information of the point in the user portrait relationship graph represents the risk status information of the target object with respect to the target resource pool or the risk status information of the associated object with respect to the target resource pool.

13. A computer device comprising a memory and a processor, wherein the memory stores a computer program, wherein: When the processor executes the computer program, the steps of the method according to any one of claims 1 to 6 are implemented.

14. A computer-readable storage medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

15. A computer program product comprising a computer program, characterized in that When the computer program is executed by a processor, the steps of the method according to any one of claims 1 to 6 are implemented.

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