Intelligent risk control method, device and equipment applied to credit card rights and interests

Abstract

The invention relates to the technical field of artificial intelligence, the scheme can be applied to the financial field, and the invention provides an intelligent risk control method, device and equipment applied to credit card rights and interests, and the method comprises the steps: carrying out the risk assessment of user information, and obtaining a main risk assessment result; monitoring user behavior data in real time, and performing comprehensive analysis on the user behavior data based on a preset multi-dimensional anomaly judgment rule to obtain a behavior analysis result; performing consistency comparison on the operation main body information and identity identification information in the target service reservation order information to obtain an identity comparison result; and if any one of the subject risk assessment result, the behavior analysis result and the identity comparison result meets a risk triggering condition, executing a preset risk management and control measure. Through multi-level risk control logic of subject risk assessment, user behavior data multi-dimensional analysis and identity consistency comparison, accurate identification of credit card right and interest use risks is realized, and the misjudgment rate and the missed judgment rate of manual auditing are effectively reduced.

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