Model Integration Method for Risk Control Systems
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Solution Overview
Problem
As the number of models in risk control systems increases, management and maintenance costs become uncontrollable due to redundancy and excessive resource consumption, making it difficult to manage and optimize the system effectively.
Innovation Solution
A model integration method that combines the output scores of multiple independent models into a single integrated score, allowing for iterative optimization based on performance monitoring and prewarning, thereby reducing redundancy and improving resource efficiency.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple independent models are used to achieve comprehensive risk control coverage, then risk prediction coverage is improved, but management complexity and resource consumption increase
Solution Approach 1:
The patent combines multiple independent risk control models into a single integrated model that accepts multiple input features and produces a unified risk assessment output. This merging approach maintains comprehensive risk coverage while simplifying management by consolidating what was previously multiple separate models into one cohesive system.
2Adaptability or versatility
If multiple independent models are deployed for comprehensive risk control, then prediction coverage is improved, but system resource consumption increases
Solution Approach 1:
By merging multiple models into one integrated model, the system processes all risk assessment features through a single computational framework rather than executing multiple separate models. This consolidation reduces redundant computations and optimizes resource utilization while preserving comprehensive prediction coverage.
3Reliability
If the number of models increases continuously, then risk control completeness is improved, but maintenance cost becomes uncontrollable
Solution Approach 1:
The integrated model consolidates the functionality of multiple independent models into a single maintainable system. This unified structure reduces maintenance overhead by eliminating the need to update, monitor, and troubleshoot multiple separate models, while still providing complete risk control coverage through its comprehensive feature set.
4Reliability
If multiple independent models are used, then comprehensive risk control is achieved, but model redundancy exists causing unnecessary resource consumption
Solution Approach 1:
The integrated model eliminates redundancy by consolidating overlapping risk assessment functionalities into a single unified system. By processing all risk features through one model rather than multiple independent models, the system avoids duplicate computations and resource consumption while maintaining comprehensive risk control capabilities.
Data Source
AI summary
A model integration method and device are provided. The method includes: obtaining an integrated model, the integrated model having one integrated output value and a plurality of input values, the plurality of input values corresponding to a plurality of output values of a plurality of independent models; performing one or more iterations of optimizing process until a preset iteration stop condition is satisfied: acquiring a prediction output by the integrated model based on a preset test event set; determining an index value of the integrated model based on the prediction output, the index value indicates a performance evaluation of the integrated model; if the index value fails to meet a preset performance requirement; after the preset iteration stop condition is satisfied, determining the integrated model as acceptable.