CN109800933A - Methods of risk assessment and device, storage medium, electronic equipment - Google Patents
Methods of risk assessment and device, storage medium, electronic equipment Download PDFInfo
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Abstract
The disclosure is directed to a kind of methods of risk assessment and device based on station address stability in use, belong to technical field of data processing, which includes: to obtain user's history shipping address and construct the multiple characteristic indexs for assessing the user's history shipping address；It is assessed according to stability in use of each characteristic index to the user's history shipping address；Risk assessment is carried out to the user according to the stability in use assessment result of the user's history shipping address.This method improves the utilization rate of user's shipping address in electric business, while can also increase the benefit of enterprise by carrying out risk assessment to the user according to the stability assessment result of history shipping address.
Description
Technical field
This disclosure relates to technical field of data processing, in particular to a kind of based on station address stability in use
Methods of risk assessment, a kind of risk assessment device based on station address stability in use, computer readable storage medium and
Electronic equipment.
Background technique
With the rapid development of internet science and technology in recent years, explosive growth is presented in the business of various new types, and having no can
What is avoided introduces huge business risk.Therefore, how control risk becomes the core competitive power of New Pattern of Internet business
Power.
Existing risk control is all the essential information (such as may include name, age and occupation etc.) to user
Some simple understandings are done, are then estimated further according to risk of these essential informations to user.But this predictor method
With stronger blindness and unicity, can not do risk evaluation result is more accurate；In many cases, still
It will cause biggish risk.
Accordingly, it is desirable to provide a kind of new methods of risk assessment based on station address stability in use.
It should be noted that information is only used for reinforcing the reason to the background of the disclosure disclosed in above-mentioned background technology part
Solution, therefore may include the information not constituted to the prior art known to persons of ordinary skill in the art.
Summary of the invention
The disclosure be designed to provide a kind of methods of risk assessment based on station address stability in use, one kind is based on
Risk assessment device, computer readable storage medium and the electronic equipment of station address stability in use, and then at least one
Determine to overcome the problems, such as in degree caused by the limitation and defect due to the relevant technologies one or more.
According to one aspect of the disclosure, a kind of methods of risk assessment based on station address stability in use is provided, is wrapped
It includes:
It obtains user's history shipping address and constructs the multiple characteristic indexs for assessing the user's history shipping address；
It is assessed according to stability in use of each characteristic index to the user's history shipping address；
Risk assessment is carried out to the user according to the stability in use assessment result of the user's history shipping address.
In a kind of exemplary embodiment of the disclosure, the characteristic index includes first making in the first preset time period
With time, second single under the first unused duration in duration, the first preset time period, the first time in the second preset time period
It is a variety of in the second use duration in preset time period.
In a kind of exemplary embodiment of the disclosure, according to each characteristic index to the user's history shipping address
Stability in use carry out assessment include:
First in first preset time period is calculated using duration, and according to described first using described in duration calculation
The usage behavior stability of user's history shipping address；
Second in second preset time period is calculated using duration, and according to described second using duration to calculate
State the buying behavior stability of user；
Use according to the usage behavior stability and buying behavior stability to the user's history shipping address
Stability is assessed.
In a kind of exemplary embodiment of the disclosure, first calculated in first preset time period uses duration,
And include: using the usage behavior stability of user's history shipping address described in duration calculation according to described first
The station address is calculated under the last in the first preset time period single time and single time lower for the first time when
Between difference obtain described first using duration；
It is standardized to described first using duration and normalized and the user is obtained according to processing result
The usage behavior stability of history shipping address.
In a kind of exemplary embodiment of the disclosure, to described first using duration be standardized and normalization at
It manages and includes: according to the usage behavior stability that processing result obtains the user's history shipping address
Carry out difference operation is asked to obtain duration poor using the average value of duration with described first using duration using described first
Value；
Duration ratio is obtained using the standard deviation of duration divided by described first using the duration difference；
The usage behavior stability of the user's history shipping address is determined according to the size of the duration ratio.
In a kind of exemplary embodiment of the disclosure, second calculated in second preset time period uses duration,
And include: with the buying behavior stability for calculating the user using duration according to described second
The station address is calculated under the last in the second preset time period single time and single time lower for the first time when
Between difference obtain described second using duration；
Calculate the station address long-standing quantity on order, the order amount of money, commodity volume and quotient when second uses
Product weight；
To the quantity on order, the order amount of money, commodity volume and commodity weight is standardized and normalized
And the buying behavior stability of the user is obtained according to processing result.
In a kind of exemplary embodiment of the disclosure, the buying behavior stability includes absolute and season
Stability.
In a kind of exemplary embodiment of the disclosure, the purchase of the user is calculated using duration according to described second
After behavior stability, the methods of risk assessment based on station address stability in use further include:
Calculate the replacement frequency stability of the user's history shipping address；
Wherein, according to the usage behavior stability and buying behavior stability to the user's history shipping address
Stability in use is assessed further include:
Operation is merged to the usage behavior stability and buying behavior stability and obtains station address stability；
According to the station address stability and the replacement frequency stability to the user's history shipping address
Stability in use is assessed.
In a kind of exemplary embodiment of the disclosure, the replacement frequency stability packet of the history shipping address is calculated
It includes:
Calculate the user's history shipping address abandons probability；
The probability of abandoning is standardized and normalized and obtains the replacement frequency according to processing result
Stability.
In a kind of exemplary embodiment of the disclosure, according to the station address stability and replacement frequency
Rate stability carries out assessment to the stability in use of the user's history shipping address
Configure the first weighted value and the second weighted value；Wherein, first weighted value is less than the second weighted value；
Quadrature operation is carried out to first weighted value and the replacement frequency stability and obtains the first stability；
Quadrature operation is carried out to second weighted value and the station address stability and obtains the second stability；
Summation operation is carried out to first stability and the second stability, and according to the result of summation operation to described
The stability in use of user's history shipping address is assessed.
It is described based on use after the history shipping address for obtaining user in a kind of exemplary embodiment of the disclosure
The methods of risk assessment of family address stability in use further include:
The user's history shipping address is pre-processed.
According to one aspect of the disclosure, a kind of risk assessment device based on station address stability in use is provided, is wrapped
It includes:
Characteristic index constructs module, for obtaining user's history shipping address and constructing the assessment user's history place of acceptance
Multiple characteristic indexs of location；
Stability assessment module, for being stablized according to each characteristic index to the use of the user's history shipping address
Property is assessed；
Risk evaluation module, for according to the stability in use assessment result of the user's history shipping address to the user
Carry out risk assessment.
According to one aspect of the disclosure, a kind of computer readable storage medium is provided, computer program is stored thereon with,
The computer program realizes the wind based on station address stability in use described in above-mentioned any one when being executed by processor
Dangerous appraisal procedure.
According to one aspect of the disclosure, a kind of electronic equipment is provided, comprising:
Processor；And
Memory, for storing the executable instruction of the processor；
Wherein, the processor is configured to execute base described in above-mentioned any one via the executable instruction is executed
In the methods of risk assessment of station address stability in use.
A kind of methods of risk assessment and device based on station address stability in use of the disclosure, building assessment user's history
Multiple characteristic indexs of shipping address are simultaneously assessed according to stability of each characteristic index to user's history shipping address；Then
Risk assessment is carried out to the user further according to the stability assessment result of user's history shipping address；On the one hand, by user
The stability in use of history shipping address carries out assessment and carries out risk assessment to the user according to stability in use assessment result,
Solve in existing evaluation scheme only according to the essential information of user assess and caused by deviation, improve risk assessment
Accuracy rate and reduce relative risk；On the other hand, pass through the stability in use assessment result according to user's history shipping address
Risk assessment is carried out to the user, improves the utilization rate of user's shipping address in electric business, while enterprise can also be increased
Benefit；Further, risk is carried out to the user by the stability in use assessment result according to user's history shipping address to comment
Estimate, allows enterprise that user is further managed and supervised according to the shipping address, further reduce wind
Dangerous rate.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
The disclosure can be limited.
Detailed description of the invention
The drawings herein are incorporated into the specification and forms part of this specification, and shows the implementation for meeting the disclosure
Example, and together with specification for explaining the principles of this disclosure.It should be evident that the accompanying drawings in the following description is only the disclosure
Some embodiments for those of ordinary skill in the art without creative efforts, can also basis
These attached drawings obtain other attached drawings.
Fig. 1 schematically shows a kind of flow chart of methods of risk assessment based on station address stability in use.
Fig. 2 schematically shows a kind of time shaft exemplary diagram.
Fig. 3 schematically shows the method flow diagram that the stability of a kind of pair of history shipping address is assessed.
Fig. 4 schematically shows a kind of method flow diagram of replacement frequency stability for calculating the history shipping address.
Fig. 5 schematically shows a kind of block diagram of risk assessment device based on station address stability in use.
Fig. 6 schematically shows a kind of electricity for realizing the above-mentioned methods of risk assessment based on station address stability in use
Sub- equipment.
Fig. 7 schematically show it is a kind of for realizing above-mentioned based on the methods of risk assessment of station address stability in use
Calculation machine readable storage medium storing program for executing.
Specific embodiment
Example embodiment is described more fully with reference to the drawings.However, example embodiment can be with a variety of shapes
Formula is implemented, and is not understood as limited to example set forth herein；On the contrary, thesing embodiments are provided so that the disclosure will more
Fully and completely, and by the design of example embodiment comprehensively it is communicated to those skilled in the art.Described feature, knot
Structure or characteristic can be incorporated in any suitable manner in one or more embodiments.In the following description, it provides perhaps
More details fully understand embodiment of the present disclosure to provide.It will be appreciated, however, by one skilled in the art that can
It is omitted with technical solution of the disclosure one or more in the specific detail, or others side can be used
Method, constituent element, device, step etc..In other cases, be not shown in detail or describe known solution to avoid a presumptuous guest usurps the role of the host and
So that all aspects of this disclosure thicken.
In addition, attached drawing is only the schematic illustrations of the disclosure, it is not necessarily drawn to scale.Identical attached drawing mark in figure
Note indicates same or similar part, thus will omit repetition thereof.Some block diagrams shown in the drawings are function
Energy entity, not necessarily must be corresponding with physically or logically independent entity.These function can be realized using software form
Energy entity, or these functional entitys are realized in one or more hardware modules or integrated circuit, or at heterogeneous networks and/or place
These functional entitys are realized in reason device device and/or microcontroller device.
It is research to IP address and in actual life mostly in more existing technology related with address
The research of location mainly may include the coding study of the participle to Chinese address, matching correct and address；Further, electric business
Field about station address research also be mainly logistics distribution prioritization scheme, do not occur about based on station address to risk
The method assessed.
A kind of methods of risk assessment based on station address stability in use is provided firstly in this example embodiment.Ginseng
It examines shown in Fig. 1, this method may comprise steps of:
Step S110. obtains user's history shipping address and constructs the multiple features for assessing the user's history shipping address
Index.
Step S120. is commented according to stability in use of each characteristic index to the user's history shipping address
Estimate.
Step S130. carries out risk to the user according to the stability in use assessment result of the user's history shipping address
Assessment.
In the above-mentioned methods of risk assessment based on station address stability in use, on the one hand, by receiving to user's history
The stability in use of address carries out assessment and carries out risk assessment to the user according to stability in use assessment result, solves
In existing evaluation scheme only according to the essential information of user assess and caused by deviation, improve the accuracy rate of risk assessment
And reduce relative risk；On the other hand, by the stability in use assessment result according to user's history shipping address to the user
Risk assessment is carried out, improves the utilization rate of user's shipping address in electric business, while the benefit of enterprise can also be increased；Into one
Step, by carrying out risk assessment to the user according to the stability in use assessment result of user's history shipping address, so that enterprise
Industry further can be managed and be supervised to user according to the shipping address, and relative risk is further reduced.
In the following, by the methods of risk assessment based on station address stability in use above-mentioned in this example embodiment
Each step carries out detailed explanation and explanation.
In step s 110, it obtains user's history shipping address and constructs the multiple of the assessment user's history shipping address
Characteristic index.Specifically:
Firstly, obtain user (multiple users) the first preset time period (in such as 5 years) user's history shipping address with
And the second user's history shipping address in preset time (in such as 1 year)；Then, the user's history shipping address is assessed in building
Multiple characteristic indexs, wherein this feature index may include in the first preset time period (in 5 years, when being also possible to other
Between, such as can be 4 years or 6 years etc., there is no special restriction on this for this example) first use duration, first default
(in 5 years, it is also possible to other times in period, such as can be 4 years or 6 years etc., this example is not spy to this
Different limitation) the first unused duration, (in 1 year, be also possible to other times, such as can be half in the second preset time period
Year or 2 years etc., there is no special restriction on this for this example) first time under single time, (1 year in the second preset time period
Inside be also possible to other times, such as can be half a year or 2 years etc., there is no special restriction on this for this example) second make
It also may include other characteristic indexs with duration, such as can be the use duration in other preset time periods and be not used
Duration etc., there is no special restriction on this for this example.Wherein, refering to what is shown in Fig. 2, the calculation method of above-mentioned each characteristic index can be with
Include:
Single time (addr_end_dt)-five years under the address last in first use duration (use_period)=five year
The interior address single time (addr_start_dt)+1 lower for the first time；
Single time (five_end_dt)-under user's last in first unused duration (abandon_period)=five year
Single time (addr_end_dt)+1 under the address last in 5 years；
First time lower single time (this_year_start_period)=used in-one year current statistic date (end_dt)
Single time (this_year_ord_dt)+1 lower for the first time of the family address；Wherein, single time lower for the first time can also be referred to as use
The family address is placed an order for the first time in 1 year to the time on current system date；
Single time (addr_ under the address last in second use duration (this_year_use_period)=five year
End_dt) in-one year the user address the lower single time (this_year_ord_dt)+1 for the first time.Further, above-mentioned calculating
Process and title can compare shown in the following table 1:
Table 1
Further, in order to improve the efficiency of construction feature index, historical use data can be pre-processed, specifically
May include: to be pre-processed to the user's history shipping address.Specifically:
It is expanded rapidly in view of current operation, order huge number present in tables of data, in order to obtain and user's place of acceptance
The relevant data in location can choose the order of completion, effective, non-virtual and user's order actual payment amount greater than 0, and will be not complete
It is screened out at, the order that invalid, virtual and user's order amount of money is 0.
In the step s 120, it is carried out according to stability in use of each characteristic index to the user's history shipping address
Assessment.Wherein, refering to what is shown in Fig. 3, carrying out assessment to the stability in use of user's history shipping address may include step S310-
Step S330.Wherein:
In step s310, first calculated in first preset time period uses duration, and makes according to described first
The usage behavior stability of the user's history shipping address described in duration calculation.Wherein, making for user's history shipping address is calculated
It may include step S3102 and step S3104 with behavior stability.Wherein:
In step S3102, the station address single time and head under the last in the first preset time period are calculated
The time difference of secondary lower single time obtains described first and uses duration.For example:
Calculate station address time difference of list time and single time lower for the first time under the last in the first preset time period
It obtains first and uses duration；Such as: first can be with using the calculation method of duration are as follows: first using duration (use_period)=
Single time (addr_start_dt) is descended in the address for the first time in single time (addr_end_dt)-five years under the address last in 5 years
+1。
In step S3104: be standardized to described first using duration (such as can be Z-score and standardize) with
And normalized and the usage behavior stability of the user's history shipping address is obtained according to processing result.It specifically can be with
It include: using the average value of duration to carry out that difference operation is asked to obtain duration difference using duration and described first using described first；
Duration ratio is obtained using the standard deviation of duration divided by described first using the duration difference；According to the big of the duration ratio
The usage behavior stability of the small determination user's history shipping address.Specifically:
Firstly,
Wherein, Zstabscore (use_period) uses the standardization of duration as a result, use_period for first
Duration is used for first；Avg (use_period) is the first average value for using duration；Std (use_period) makes for first
With the standard deviation of duration；
Secondly, as Zstabscore (use_period) > 1, Zstabscore (use_period)=1；
As Zstabscore (use_period) < -1, Zstabscore (use_period)=- 1.
It further, can be respectively to each user's history place of acceptance when the user's history shipping address of user has multiple
The usage behavior stability of location is assessed.Wherein, the usage behavior calculation method for stability of each user's history shipping address
May include:
Stability in use=3/10*use_period_stable+1/25*cnt_ of each user's history shipping address
stable1+1/25*amt_stable1+1/5*cnt_stable2+1/5*amt_stable2+1/25*wgt_s table+1/
25*vlm_stale+1/25*ord_day_stable+1/10*ord_night_stable.In addition it is also possible to respectively to each use
Family history shipping address is standardized respectively and normalized obtains the stability in use of each user's history shipping address,
There is no special restriction on this for this example.Herein it should be further noted that for user's history shipping address number less than two
User, all addresses all enter to be selected as its representational address；For user of the number of addresses greater than two, the address
The address that stability in use is more than or equal to the mean value of all address stability in uses of the user is considered as its representational address.Choosing
With this method primarily to reject in long, buying behavior when in use and the normal buying behavior of user there are the ground of greatest differences
Location, using the stability of its representational address as the index for the address stable for measuring the user.
Further, in order to can be more accurate obtain the stability of station address, can also be added user's history receipts
The replacement frequency stability of goods address further assesses the stability in use of user's history shipping address；Specifically may be used
To include: the replacement frequency stability for calculating the user's history shipping address.Wherein, refering to what is shown in Fig. 4, calculating replacement frequency
Stability may include step S410 and step S420.Wherein:
In step S410, calculate the user's history shipping address abandons probability.For example:
Abandon probability (abandon_pct)=abandon address number/station address total number；Wherein, user's history is received
(abandon_period > this_year_use_ when the unused time of address is greater than the nearest 1 year use duration in the address
Period), the user's history shipping address can be defined as to abandon address.
In the step s 420, the probability of abandoning is standardized and normalized and is obtained according to processing result
The replacement frequency stability.For example:
Wherein, Zstabscore (abandon_pct) is to abandon probabilistic standard result；Abandon_pct is to abandon generally
Rate；Avg (abandon_pct) is to abandon probability average；Std (abandon_pct) is poor to abandon probability mark；
Further, as Zstabscore (abandon_pct) > 1, Zstabscore (abandon_pct)=1；
As Zstabscore (abandon_pct) < -1, Zstabscore (abandon_pct)=- 1.It needs to mend herein
Fill explanation because abandon with the address abandon the time with always using number it is related, using this formula.Selection is greater than
Nearest 1 year is because the address chosen is nearest 1 year address using duration, and abandoning duration can not be more than 1 year, institute
To use duration also to choose nearest behavior in 1 year.Certainly, occur though abandoning and being likely to be the individual subscriber address, company address
Variation either buys behavior on behalf, but is also not excluded for buying commodity etc. in generation for friend.But because finally it is normalization and all users
Behavior compare, so if the average behavior with all users not will cause deduction of points quite.
And then, steady according to usage behavior stability and buying behavior after obtaining above-mentioned replacement frequency stability
It can also include step S510 and step S520 that the qualitative stability in use to user's history shipping address, which is assessed,.Its
In:
In step S510, operation is merged to the usage behavior stability and buying behavior stability and is used
Family address stable.Specifically:
In step S520, the user is gone through according to the station address stability and the replacement frequency stability
The stability in use of history shipping address is assessed.Wherein, according to station address stability and replacement frequency stability to
It may include step S5204- step S5208 that the stability in use of family history shipping address, which carries out assessment,.Wherein:
In step S5202, the first weighted value and the second weighted value are configured；Wherein, first weighted value is less than
Two weighted values.For example:
Above-mentioned first weighted value can be 0.1, be also possible to other values, such as can be 0.2 or 0.05 etc., originally show
There is no special restriction on this for example；Above-mentioned second weighted value can be 0.9, be also possible to 0.8 or 0.95 etc., this example is to this
It does not do specifically limited.
In step S5204, quadrature operation is carried out to first weighted value and the replacement frequency stability and is obtained
First stability.
In step S5206, quadrature operation is carried out to second weighted value and the station address stability and is obtained
Second stability.
In step S5208, summation operation is carried out to first stability and the second stability, and transport according to summation
The result of calculation assesses the stability in use of the user's history shipping address.
Further, detailed explanation and explanation are carried out to above-mentioned steps S4204- step S4208.Wherein:
User_stable=0.9*use_addr_stable+0.1*Zstabscore (abandon_pct)；
Wherein, user_stable is the stability in use of user's history shipping address, and use_addr_stable is screening
The mean value of the stability of representative address out；Zstabscore (abandon_pct) is replacement frequency stability；Work as user_
When the value of stable is 1, illustrate that the stability in use of the user's history shipping address is very high；When the value of user_stable is greater than
0.6 less than 1 when, illustrate that the stability in use of the user's history shipping address is higher；When the value of user_stable is less than 0.5,
Illustrate that the stability in use of the user's history shipping address is lower.
In step s 320, second calculated in second preset time period uses duration, and makes according to described second
The buying behavior stability of the user is calculated with duration.Wherein, the buying behavior stability for calculating user may include step
Rapid S3202- step S3206.Wherein:
In step S3202, the station address single time and head under the last in the second preset time period are calculated
The time difference of secondary lower single time obtains described second and uses duration.For example:
Single time (addr_ under the address last in second use duration (this_year_use_period)=five year
End_dt) in-one year the user address the lower single time (this_year_ord_dt)+1 for the first time.
In step S3204, calculate the station address when second uses long-standing quantity on order, the order amount of money,
Commodity volume and commodity weight.Specifically:
Unilateral stability caused by prevent due to order is sparse is strong, can be in nearest 1 year on each address of user
Lower singular (father's order numbers), lower single actual delivery amount of money, the place an order total preferential amount of money, the weight of commodity, volume etc. statistical number
Amount reflection nearest 1 year general consumption situation of user.
In step S3206, the quantity on order, the order amount of money, commodity volume and commodity weight are standardized
And normalized and the buying behavior stability of the user is obtained according to processing result.Wherein, buying behavior stability
It may include absolute and season stability.Specifically:
Firstly, the quantity on order, the order amount of money, commodity volume and commodity weight are standardized and are normalized
The absolute of the buying behavior of the user is handled and obtains according to processing result, for example:
Wherein, xiFor quantity on order, the order amount of money, commodity volume and commodity weight etc., Zstabscore (xi) it is to order
The standardization result of singular amount, the order amount of money, commodity volume and commodity weight；avg(xi) it is quantity on order, order gold
The average value of volume, commodity volume and commodity weight；std(xi) it is quantity on order, the order amount of money, commodity volume and commodity weight
The standard deviation of amount；
Further, as Zstabscore (xiWhen) > 1, Zstabscore (xi)=1；
As Zstabscore (xiWhen) < -1, Zstabscore (xi)=- 1.
Secondly, the quantity on order, the order amount of money, commodity volume and commodity weight are standardized and are normalized
It handles and the season stability of the buying behavior of the user is obtained according to processing result, for example:
Wherein, cv (x1,x2,...,xn) be quantity on order, the order amount of money, commodity volume and commodity weight variation lines
Number；std(xi) be quantity on order, the order amount of money, commodity volume and commodity weight standard deviation；avg(xi) be quantity on order,
The average value of the order amount of money, commodity volume and commodity weight；Zstabscore(cv(xi)) be quantity on order, the order amount of money,
The coefficient of variation standardization result of commodity volume and commodity weight；avg(cv(xi)) indicate the coefficient of variation average value；
std(cv(xi)) indicate that the mark of the coefficient of variation is poor；
Further, as Zstabscore (cv (xi)) > 1 when, Zstabscore (cv (xi))=1；
As Zstabscore (cv (xi)) < -1 when, Zstabscore (cv (xi))=- 1.
Finally, carrying out summation operation to above-mentioned absolute and extreme stability, obtains above-mentioned buying behavior and stablize
Property.Herein it should be added that, odd number, the order amount of money, the preferential amount of money of order under the season of each address is calculated, season is used
Lower odd number, the season order amount of money, the season preferential amount of money, the weight of commodity, the coefficient of variation of volume (standard deviation/mean value) are used as and order
Singular amount, the order amount of money, the preferential amount of money, the weight of commodity, the stability of volume.Wherein, season stability begins to use the date
The address for being more than two seasons to the current statistic date just has the index, other addresses all assignment 0；In the spy of season stability
In sign processing, use the coefficient of variation of statistic as processing index is stablized, it can be in order to eliminate the different influence of dimension.
Further, the stability of order time can also be assessed.Specifically may include:
The order time can be divided under order single time and order goods receiving time；Wherein, order goods receiving time can count
The order numbers that the nearest 1 year working time [9,18] in the user address and time of having a rest [20,24] are received, with the exhausted of quantity on order
Logarithm considers one of index as stability；For example:
Wherein, Zstabscore (x1,x2,...,xn) be the order time standardization result；xiFor the order time；
avg(xi) be order average time；std(xi) be the order time standard deviation；
Further, as Zstabscore (xiWhen) > 1, Zstabscore (xi)=1；
As Zstabscore (xiWhen) < -1, Zstabscore (xi)=- 1.
In step S330, the user's history is received according to the usage behavior stability and buying behavior stability
The stability in use of goods address is assessed.Wherein, the use of user's history shipping address is stablized assess and may include:
The use of the user's history shipping address is stablized according to the station address stability and the buying behavior stability
Property is assessed.Specifically:
When station address stability and more stable purchase property stability, it is believed that the user's history place of acceptance
The stability in use of location is relatively stable；For example, when station address stability and when buying the value of stability and being 1, it can be with
Think that the user's history shipping address of the user is very stable.
In step s 130, according to the stability in use assessment result of the user's history shipping address to this with carrying out wind
Danger assessment.Specifically:
When most of address of user is longer using duration, buying behavior is stable and does not replace at will, abandons address, then
The station address high stability；Further, it is said from the angle of risk prevention system, it is believed that the user of address stable, it can
Higher by property, because such user can hide the higher cost of responsibility investigation, and a possibility that successfully escaping, is slightly lower, in wind
The collection link operation convenient to carry out nearly managed, and then there is certain reference role in terms of measure user risk.Further
, consumer's risk assessment is carried out for station address stability in use score；Wherein, address stability in use and overdue rate are investigated
Between relationship and address stability in use is divided into 10 groups by score value size, investigate its current overdue rate, the overdue rate of history etc.,
Final result such as the following table 2 is shown, monotonic trend is presented substantially.
Table 2
It finally needs to illustrate again, the disclosure is from user's shipping address, in conjunction with the use duration of station address
With buying behavior, each address stable of user is assessed.For multi address user, the screening of user representative's property address is carried out, by it
The stability of representational address is as the index for measuring the station address stability.Pass through station address stability score
Output, assesses the risk of user.Because station address stabilization can all generate value in application, management, collection link.Further
, station address stability reflects the stabilization of user behavior characteristics to a certain extent, if user is in the use of shipping address
On, the mean value of behavioural characteristic and all users have notable difference, then the risk of the user is relatively higher in risk control.
The disclosure can be predicted the quality of user, to tenant group, carry out sort-type by carrying out scoring judgement to station address stability
Or assessment measurement of personalized precision marketing, user's risk of fraud etc., to promote professional skill ability, promote financial technology
Further development.
In addition to this, series of stable model, such as user can be constructed by the processing method of station address stability
It receives list IP stability etc. under cell-phone number stability, user.By the building of series of stable model, avoid risk.Into
One step, the assessment method of station address stability can be attempted with prediction class model algorithm, for stabilization in scheme
Property considering for index can more enrich, such as by the user address buy category richness, predict home address.Electric business
Exclusive data edge embodies the data characteristic in electric business field in address stable processing.It is steady that other field is related to address
Qualitatively processing, the address of time shaft conception deriving use, replace in different field difference reserve value it is contemplated that this programme
The index processing of middle user's buying behavior can be processed according to the data characteristic of specific area.What more convenient extension used
Quantity on order, the order amount of money, order time can extend in other industry, such as O2O industry, but be primarily adapted for use in electric business row
Industry.
The disclosure also provides a kind of risk assessment device based on station address stability in use.Refering to what is shown in Fig. 5, being based on
The risk assessment device of station address stability in use may include characteristic index building module 510, stability assessment module 520
And risk evaluation module 530.Wherein:
Characteristic index building module 510 can be used for obtaining user's history shipping address and construct the assessment user's history
Multiple characteristic indexs of shipping address.
Stability assessment module 520 can be used for making the user's history shipping address according to each characteristic index
It is assessed with stability.
Risk evaluation module 530 can be used for the stability in use assessment result pair according to the user's history shipping address
The user carries out risk assessment.
The detail of each module is in correspondence in the above-mentioned risk assessment device based on station address stability in use
The methods of risk assessment based on station address stability in use in be described in detail, therefore details are not described herein again.
It should be noted that although being referred to several modules or list for acting the equipment executed in the above detailed description
Member, but this division is not enforceable.In fact, according to embodiment of the present disclosure, it is above-described two or more
Module or the feature and function of unit can embody in a module or unit.Conversely, an above-described mould
The feature and function of block or unit can be to be embodied by multiple modules or unit with further division.
In addition, although describing each step of method in the disclosure in the accompanying drawings with particular order, this does not really want
These steps must be executed in this particular order by asking or implying, or having to carry out step shown in whole could realize
Desired result.Additional or alternative, it is convenient to omit multiple steps are merged into a step and executed by certain steps, and/
Or a step is decomposed into execution of multiple steps etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the disclosure
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, mobile terminal or network equipment etc.) is executed according to disclosure embodiment
Method.
In an exemplary embodiment of the disclosure, a kind of electronic equipment that can be realized the above method is additionally provided.
Person of ordinary skill in the field it is understood that various aspects of the invention can be implemented as system, method or
Program product.Therefore, various aspects of the invention can be embodied in the following forms, it may be assumed that complete hardware embodiment, complete
The embodiment combined in terms of full Software Implementation (including firmware, microcode etc.) or hardware and software, can unite here
Referred to as circuit, " module " or " system ".
The electronic equipment 600 of this embodiment according to the present invention is described referring to Fig. 6.The electronics that Fig. 6 is shown
Equipment 600 is only an example, should not function to the embodiment of the present invention and use scope bring any restrictions.
As shown in fig. 6, electronic equipment 600 is showed in the form of universal computing device.The component of electronic equipment 600 can wrap
It includes but is not limited to: at least one above-mentioned processing unit 610, at least one above-mentioned storage unit 620, the different system components of connection
The bus 630 of (including storage unit 620 and processing unit 610).
Wherein, the storage unit is stored with program code, and said program code can be held by the processing unit 610
Row, so that various according to the present invention described in the execution of the processing unit 610 above-mentioned " illustrative methods " part of this specification
The step of illustrative embodiments.For example, the processing unit 610 can execute step S110 as shown in fig. 1: obtaining and use
Family history shipping address simultaneously constructs the multiple characteristic indexs for assessing the user's history shipping address；S120: according to each spy
Sign index assesses the stability in use of the user's history shipping address；Step S130: it is received according to the user's history
The stability in use assessment result of goods address carries out risk assessment to the user
Storage unit 620 may include the readable medium of volatile memory cell form, such as Random Access Storage Unit
(RAM) 6201 and/or cache memory unit 6202, it can further include read-only memory unit (ROM) 6203.
Storage unit 620 can also include program/utility with one group of (at least one) program module 6205
6204, such program module 6205 includes but is not limited to: operating system, one or more application program, other program moulds
It may include the realization of network environment in block and program data, each of these examples or certain combination.
Bus 630 can be to indicate one of a few class bus structures or a variety of, including storage unit bus or storage
Cell controller, peripheral bus, graphics acceleration port, processing unit use any bus structures in a variety of bus structures
Local bus.
Electronic equipment 600 can also be with one or more external equipments 700 (such as keyboard, sensing equipment, bluetooth equipment
Deng) communication, can also be enabled a user to one or more equipment interact with the electronic equipment 600 communicate, and/or with make
Any equipment (such as the router, modulation /demodulation that the electronic equipment 600 can be communicated with one or more of the other calculating equipment
Device etc.) communication.This communication can be carried out by input/output (I/O) interface 650.Also, electronic equipment 600 can be with
By network adapter 660 and one or more network (such as local area network (LAN), wide area network (WAN) and/or public network,
Such as internet) communication.As shown, network adapter 660 is communicated by bus 630 with other modules of electronic equipment 600.
It should be understood that although not shown in the drawings, other hardware and/or software module can not used in conjunction with electronic equipment 600, including but not
Be limited to: microcode, device driver, redundant processing unit, external disk drive array, RAID system, tape drive and
Data backup storage system etc..
Through the above description of the embodiments, those skilled in the art is it can be readily appreciated that example described herein is implemented
Mode can also be realized by software realization in such a way that software is in conjunction with necessary hardware.Therefore, according to the disclosure
The technical solution of embodiment can be embodied in the form of software products, which can store non-volatile at one
Property storage medium (can be CD-ROM, USB flash disk, mobile hard disk etc.) in or network on, including some instructions are so that a calculating
Equipment (can be personal computer, server, terminal installation or network equipment etc.) is executed according to disclosure embodiment
Method.
In an exemplary embodiment of the disclosure, a kind of computer readable storage medium is additionally provided, energy is stored thereon with
Enough realize the program product of this specification above method.In some possible embodiments, various aspects of the invention may be used also
In the form of being embodied as a kind of program product comprising program code, when described program product is run on the terminal device, institute
Program code is stated for executing the terminal device described in above-mentioned " illustrative methods " part of this specification according to this hair
The step of bright various illustrative embodiments.
Refering to what is shown in Fig. 7, describing the program product for realizing the above method of embodiment according to the present invention
800, can using portable compact disc read only memory (CD-ROM) and including program code, and can in terminal device,
Such as it is run on PC.However, program product of the invention is without being limited thereto, in this document, readable storage medium storing program for executing can be with
To be any include or the tangible medium of storage program, the program can be commanded execution system, device or device use or
It is in connection.
Described program product can be using any combination of one or more readable mediums.Readable medium can be readable letter
Number medium or readable storage medium storing program for executing.Readable storage medium storing program for executing for example can be but be not limited to electricity, magnetic, optical, electromagnetic, infrared ray or
System, device or the device of semiconductor, or any above combination.The more specific example of readable storage medium storing program for executing is (non exhaustive
List) include: electrical connection with one or more conducting wires, portable disc, hard disk, random access memory (RAM), read-only
Memory (ROM), erasable programmable read only memory (EPROM or flash memory), optical fiber, portable compact disc read only memory
(CD-ROM), light storage device, magnetic memory device or above-mentioned any appropriate combination.
Computer-readable signal media may include in a base band or as carrier wave a part propagate data-signal,
In carry readable program code.The data-signal of this propagation can take various forms, including but not limited to electromagnetic signal,
Optical signal or above-mentioned any appropriate combination.Readable signal medium can also be any readable Jie other than readable storage medium storing program for executing
Matter, the readable medium can send, propagate or transmit for by instruction execution system, device or device use or and its
The program of combined use.
The program code for including on readable medium can transmit with any suitable medium, including but not limited to wirelessly, have
Line, optical cable, RF etc. or above-mentioned any appropriate combination.
The program for executing operation of the present invention can be write with any combination of one or more programming languages
Code, described program design language include object oriented program language-Java, C++ etc., further include conventional
Procedural programming language-such as " C " language or similar programming language.Program code can be fully in user
It calculates and executes in equipment, partly executes on a user device, being executed as an independent software package, partially in user's calculating
Upper side point is executed on a remote computing or is executed in remote computing device or server completely.It is being related to far
Journey calculates in the situation of equipment, and remote computing device can pass through the network of any kind, including local area network (LAN) or wide area network
(WAN), it is connected to user calculating equipment, or, it may be connected to external computing device (such as utilize ISP
To be connected by internet).
In addition, above-mentioned attached drawing is only the schematic theory of processing included by method according to an exemplary embodiment of the present invention
It is bright, rather than limit purpose.It can be readily appreciated that the time that above-mentioned processing shown in the drawings did not indicated or limited these processing is suitable
Sequence.In addition, be also easy to understand, these processing, which can be, for example either synchronously or asynchronously to be executed in multiple modules.
Those skilled in the art after considering the specification and implementing the invention disclosed here, will readily occur to its of the disclosure
His embodiment.This application is intended to cover any variations, uses, or adaptations of the disclosure, these modifications, purposes or
Adaptive change follow the general principles of this disclosure and including the undocumented common knowledge in the art of the disclosure or
Conventional techniques.The description and examples are only to be considered as illustrative, and the true scope and spirit of the disclosure are by claim
It points out.
Claims (14)
1. a kind of methods of risk assessment based on station address stability in use characterized by comprising
It obtains user's history shipping address and constructs the multiple characteristic indexs for assessing the user's history shipping address；
It is assessed according to stability in use of each characteristic index to the user's history shipping address；
Risk assessment is carried out to the user according to the stability in use assessment result of the user's history shipping address.
2. the methods of risk assessment according to claim 1 based on station address stability in use, which is characterized in that described
Characteristic index include in the first preset time period first using duration, the first unused duration in the first preset time period,
Single time under first time in second preset time period, second in the second preset time period are using a variety of in duration.
3. the methods of risk assessment according to claim 2 based on station address stability in use, which is characterized in that according to
Each characteristic index carries out assessment to the stability in use of the user's history shipping address
It calculates first in first preset time period and uses user described in duration calculation using duration, and according to described first
The usage behavior stability of history shipping address；
Second in second preset time period is calculated using duration, and according to described second using duration to calculate the use
The buying behavior stability at family；
The use of the user's history shipping address is stablized according to the usage behavior stability and buying behavior stability
Property is assessed.
4. the methods of risk assessment according to claim 3 based on station address stability in use, which is characterized in that calculate
First in first preset time period uses duration, and is received according to described first using user's history described in duration calculation
The usage behavior stability of address includes:
Calculate station address time difference of list time and single time lower for the first time under the last in the first preset time period
It obtains described first and uses duration；
It is standardized to described first using duration and normalized and the user's history is obtained according to processing result
The usage behavior stability of shipping address.
5. the methods of risk assessment according to claim 4 based on station address stability in use, which is characterized in that institute
First is stated to be standardized using duration and normalized and obtain the user's history shipping address according to processing result
Usage behavior stability include:
It using the average value of duration carries out that difference operation is asked to obtain duration difference using duration and described first using described first；
Duration ratio is obtained using the standard deviation of duration divided by described first using the duration difference；
The usage behavior stability of the user's history shipping address is determined according to the size of the duration ratio.
6. the methods of risk assessment according to claim 3 based on station address stability in use, which is characterized in that calculate
Second in second preset time period uses duration, and calculates the purchase of the user using duration according to described second
Behavior stability includes:
Calculate station address time difference of list time and single time lower for the first time under the last in the second preset time period
It obtains described second and uses duration；
Calculate the station address long-standing quantity on order, the order amount of money, commodity volume and commodity weight when second uses
Amount；
The quantity on order, the order amount of money, commodity volume and commodity weight are standardized and normalized and root
The buying behavior stability of the user is obtained according to processing result.
7. according to the described in any item methods of risk assessment based on station address stability in use of claim 3~6, feature
It is, the buying behavior stability includes absolute and season stability.
8. the methods of risk assessment according to claim 3 based on station address stability in use, which is characterized in that according to
It is described to be based on station address stability in use after the described second buying behavior stability using duration to calculate the user
Methods of risk assessment further include:
Calculate the replacement frequency stability of the user's history shipping address；
Wherein, the use according to the usage behavior stability and buying behavior stability to the user's history shipping address
Stability is assessed further include:
Operation is merged to the usage behavior stability and buying behavior stability and obtains station address stability；
Use according to the station address stability and the replacement frequency stability to the user's history shipping address
Stability is assessed.
9. the methods of risk assessment according to claim 8 based on station address stability in use, which is characterized in that calculate
The replacement frequency stability of the history shipping address includes:
Calculate the user's history shipping address abandons probability；
The probability of abandoning is standardized and normalized and obtains the replacement frequency according to processing result and stablize
Property.
10. the methods of risk assessment according to claim 8 based on station address stability in use, which is characterized in that root
According to the station address stability and the replacement frequency stability to the stability in use of the user's history shipping address
Carrying out assessment includes:
Configure the first weighted value and the second weighted value；Wherein, first weighted value is less than the second weighted value；
Quadrature operation is carried out to first weighted value and the replacement frequency stability and obtains the first stability；
Quadrature operation is carried out to second weighted value and the station address stability and obtains the second stability；
Summation operation is carried out to first stability and the second stability, and according to the result of summation operation to the user
The stability in use of history shipping address is assessed.
11. the methods of risk assessment according to claim 1 based on station address stability in use, which is characterized in that
After the history shipping address for obtaining user, the methods of risk assessment based on station address stability in use further include:
The user's history shipping address is pre-processed.
12. a kind of risk assessment device based on station address stability in use characterized by comprising
Characteristic index constructs module, for obtaining user's history shipping address and constructing the assessment user's history shipping address
Multiple characteristic indexs；
Stability assessment module, for according to each characteristic index to the stability in use of the user's history shipping address into
Row assessment；
Risk evaluation module, for being carried out according to the stability in use assessment result of the user's history shipping address to the user
Risk assessment.
13. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The described in any item risk assessment sides based on station address stability in use claim 1-11 are realized when being executed by processor
Method.
14. a kind of electronic equipment characterized by comprising
Processor；And
Memory, for storing the executable instruction of the processor；
Wherein, the processor is configured to require 1-11 described in any item via executing the executable instruction and carry out perform claim
Methods of risk assessment based on station address stability in use.
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| CN111986020A (en) * | 2020-06-05 | 2020-11-24 | 深圳市卡牛科技有限公司 | Financial loan risk assessment method, device, equipment and storage medium |
| CN113408909A (en) * | 2021-06-22 | 2021-09-17 | 中国工商银行股份有限公司 | Bank user credit investigation evaluation method based on big data |
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