Risk Management Feature Extraction from User Generated Content
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Solution Overview
Problem
Existing risk management models rely on personal basic attribute data, which has low coverage rates and is difficult to obtain, limiting their effectiveness in processing risk-management feature factors for new clients with insufficient information.
Innovation Solution
A method and apparatus for processing risk-management feature factors based on user-generated content (UGC) using a pre-generated risk-management-feature-factor extracting model, which generates feature expressions from UGC and extracts risk-management feature factors without requiring personal basic attribute information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If personal basic attribute data is used for risk management modeling, then the model can be trained with structured data, but the data coverage rate is low and acquisition is difficult
Solution Approach 1:
The patent introduces UGC data as an intermediary resource to bridge the gap between limited personal attribute data and comprehensive risk assessment. UGC serves as a mediator that provides additional behavioral and contextual information about users without requiring direct collection of sensitive personal attributes, thereby improving data coverage while maintaining privacy protection
Solution Approach 2:
The patent creates alternative data representations by using UGC content as a substitute for traditional personal attribute data. Instead of directly collecting sensitive personal information, the system copies behavioral patterns and preferences from user-generated content, which reflects user characteristics indirectly and provides comparable predictive value for risk management
2Ease of operation
If personal basic attribute information is required, then risk management processing can be performed, but new clients with insufficient information cannot be processed
Solution Approach 1:
The patent makes the risk management system universal by enabling it to process multiple types of input data: traditional personal attribute data for existing clients and UGC data for new clients. This multi-functionality allows the same risk management framework to adapt to different client scenarios without requiring complete personal attribute information for all cases
Solution Approach 2:
The patent changes the input parameters of the risk management model from strictly personal attributes to include UGC-based features. By transforming the data source and feature representation, the system can process new clients who lack traditional attribute information, expanding the applicability of risk management processing to diverse client profiles
3Productivity
If traditional risk management methods are used, then processing can be performed with available data, but the feature factors are limited and less rich
Solution Approach 1:
The patent adds another dimension to risk management features by incorporating UGC-based characteristics alongside traditional personal attributes. This dimensional expansion includes behavioral patterns, content preferences, and engagement metrics from user-generated content, creating a multi-dimensional feature space that captures richer user information for more comprehensive risk assessment
Data Source
AI summary
A method and apparatus for processing risk-management feature factors based on user generated content (UGC), an electronic device and a storage medium are disclosed, which relates to the fields of artificial intelligence and cloud computing. An implementation includes generating a feature expression of the UGC based on the UGC; and extracting the risk-management feature factors of the UGC according to a pre-generated risk-management-feature-factor extracting model and the feature expression of the UGC. According to the technology of the present application, the risk-management feature factors of a corresponding user may be extracted based on the UGC without depending on privacy information of the user, such as personal basic attributes, or the like, such that subsequent related processing actions of risk management may be facilitated, an acquiring way and an acquiring mode of the risk-management feature factors may be enriched effectively, and richer information of the risk-management feature factors may be acquired.