Credit card customer risk identification method and device

• Main Author: DENG XICHEN
• Format: Patent
• Language: Chinese; English
• Published: 03.05.2024
• Subjects: CALCULATING; COMPUTER SYSTEMS BASED ON SPECIFIC COMPUTATIONAL MODELS; COMPUTING; COUNTING; DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES; PHYSICS; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR

The invention provides a credit card customer risk identification method and device, relates to the technical field of artificial intelligence, and can be used in the financial field or other technical fields. The method comprises the steps of performing credit assessment on credit card use historical data, income data and expenditure data based on a first preset credit assessment model to obtain a first credit assessment result of a credit card applicant; performing abnormal transaction detection on the credit card transaction data based on a preset abnormal transaction detection model to obtain an abnormal transaction detection result of the credit card applicant; performing credit evaluation on the consumption behavior data based on a second preset credit evaluation model to obtain a second credit evaluation result of the credit card applicant; and performing customer risk identification on the credit card applicant according to the first credit evaluation result, the abnormal transaction detection result