首页> 外国专利> METHOD FOR IDENTIFYING USER ROLE, AND USER EQUIPMENT, STORAGE MEDIUM, AND APPARATUS FOR IDENTIFYING USER ROLE

METHOD FOR IDENTIFYING USER ROLE, AND USER EQUIPMENT, STORAGE MEDIUM, AND APPARATUS FOR IDENTIFYING USER ROLE

机译:识别用户角色的方法,以及用于识别用户角色的用户设备,存储介质和设备

摘要

Disclosed are a method for identifying a user role, and a user equipment, a storage medium, and an apparatus for identifying a user role. In the present application, the method comprises: acquiring a user operation behavior and personal information; matching the user operation behavior with a preset operation behavior to obtain a matching resu generating a corresponding first fraud score according to the matching resu constructing a target relationship network according to the personal information; determining an associated user by means of the target relationship network; querying a corresponding second fraud score on the basis of a user role of the associated user; generating a target fraud score by means of the first fraud score and the second fraud score; and when the target fraud score is greater than or equal to a preset fraud threshold value, identifying a user role as potential fraud. Obviously, the present application can comprehensively evaluate the risk of a target user, also makes reference to the risk of an associated user, and can accurately identify fraud, thereby solving the technical problem in existing identification means of being unable to accurately identify loan fraud.
机译:公开了一种用于识别用户角色的方法,一种用户设备,一种存储介质以及一种用于识别用户角色的设备。在本申请中,该方法包括:获取用户的操作行为和个人信息;将用户的操作行为与预设的操作行为进行匹配,得到匹配结果;根据匹配结果生成相应的第一欺诈评分;根据个人信息建立目标关系网络;通过目标关系网络确定关联用户;根据关联用户的用户角色查询对应的第二欺诈评分;通过第一欺诈分数和第二欺诈分数生成目标欺诈分数;当目标欺诈得分大于或等于预设的欺诈阈值时,将用户角色标识为潜在欺诈。显然,本申请可以对目标用户的风险进行综合评估,还可以参考关联用户的风险,可以准确地识别欺诈行为,从而解决了现有识别手段无法准确识别贷款欺诈的技术问题。

著录项

  • 公开/公告号WO2020062641A1

    专利类型

  • 公开/公告日2020-04-02

    原文格式PDF

  • 申请/专利号WO2018CN122726

  • 发明设计人 LIU ZHONGYUAN;

    申请日2018-12-21

  • 分类号G06Q40;

  • 国家 WO

  • 入库时间 2022-08-21 11:12:25

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