CN109800933B - Risk assessment method and device, storage medium and electronic equipment - Google Patents
Risk assessment method and device, storage medium and electronic equipment Download PDFInfo
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Abstract
The disclosure relates to a risk assessment method and a device based on user address use stability, belonging to the technical field of data processing, wherein the risk assessment method comprises the following steps: acquiring a historical goods receiving address of a user and constructing and evaluating a plurality of characteristic indexes of the historical goods receiving address of the user; evaluating the use stability of the historical receiving address of the user according to each characteristic index; and carrying out risk assessment on the user according to the use stability assessment result of the historical receiving address of the user. According to the method, risk assessment is carried out on the user according to the stability assessment result of the historical goods receiving address, the use rate of the goods receiving address of the user in the E-commerce is improved, and meanwhile the benefit of an enterprise can be increased.
Description
Technical Field
The present disclosure relates to the field of data processing technologies, and in particular, to a risk assessment method based on user address use stability, a risk assessment apparatus based on user address use stability, a computer-readable storage medium, and an electronic device.
Background
In the existing technologies related to addresses, most of the technologies are research on IP addresses and research on addresses in real life, and the research mainly includes word segmentation, matching research on Chinese addresses and coding research on addresses; further, the research on the user address in the e-commerce field is mainly a logistics distribution optimization scheme, and no method for evaluating risks based on the user address appears.
Therefore, it is desirable to provide a new risk assessment method based on user address usage stability.
It is to be noted that the information disclosed in the above background section is only for enhancement of understanding of the background of the present disclosure, and thus may include information that does not constitute prior art known to those of ordinary skill in the art.
Disclosure of Invention
An object of the present disclosure is to provide a risk assessment method based on user address use stability, a risk assessment apparatus based on user address use stability, a computer-readable storage medium, and an electronic device, thereby overcoming, at least to some extent, one or more problems due to limitations and disadvantages of the related art.
According to an aspect of the present disclosure, there is provided a risk assessment method based on user address use stability, including:
acquiring a historical goods receiving address of a user and constructing and evaluating a plurality of characteristic indexes of the historical goods receiving address of the user;
evaluating the use stability of the historical receiving address of the user according to each characteristic index;
and carrying out risk assessment on the user according to the use stability assessment result of the historical receiving address of the user.
In an exemplary embodiment of the present disclosure, the characteristic indicator includes a plurality of kinds of a first usage time period within a first preset time period, a first non-usage time period within the first preset time period, a first order-placing time within a second preset time period, and a second usage time period within the second preset time period.
In an exemplary embodiment of the present disclosure, evaluating the stability of use of the user's historical shipping address according to each of the characteristic indicators includes:
calculating a first use duration in the first preset time period, and calculating the use behavior stability of the historical goods receiving address of the user according to the first use duration;
calculating a second use duration in the second preset time period, and calculating the purchasing behavior stability of the user according to the second use duration;
and evaluating the use stability of the historical receiving address of the user according to the use behavior stability and the purchase behavior stability.
In an exemplary embodiment of the disclosure, calculating a first usage duration within the first preset time period, and calculating the usage behavior stability of the historical shipping address of the user according to the first usage duration includes:
calculating the time difference between the last ordering time and the first ordering time of the user address in a first preset time period to obtain the first use duration;
and standardizing and normalizing the first use duration, and obtaining the use behavior stability of the historical goods receiving address of the user according to a processing result.
In an exemplary embodiment of the disclosure, normalizing the first usage duration and obtaining the usage behavior stability of the historical shipping address of the user according to the processing result includes:
carrying out difference operation by using the first using time length and the average value of the first using time length to obtain a time length difference value;
dividing the time length difference by the standard deviation of the first using time length to obtain a time length ratio;
and determining the stability of the use behavior of the historical receiving address of the user according to the duration ratio.
In an exemplary embodiment of the present disclosure, calculating a second usage duration within the second preset time period, and calculating the stability of the purchasing behavior of the user according to the second usage duration includes:
calculating the time difference between the last ordering time and the first ordering time of the user address in a second preset time period to obtain a second use duration;
calculating the order quantity, the order amount, the commodity volume and the commodity weight of the user address during a second using time period;
and standardizing and normalizing the order quantity, the order amount, the commodity volume and the commodity weight, and obtaining the purchasing behavior stability of the user according to a processing result.
In an exemplary embodiment of the present disclosure, the purchasing behavior stability includes absolute stability as well as seasonal stability.
In an exemplary embodiment of the disclosure, after calculating the stability of the purchasing behavior of the user according to the second usage duration, the risk assessment method based on the user address usage stability further includes:
calculating the stability of the replacement frequency of the historical receiving address of the user;
wherein evaluating the usage stability of the historical shipping address of the user according to the usage behavior stability and the purchasing behavior stability further comprises:
carrying out merging operation on the stability of the using behavior and the stability of the purchasing behavior to obtain the stability of the user address;
and evaluating the use stability of the historical delivery address of the user according to the user address stability and the replacement frequency stability.
In an exemplary embodiment of the present disclosure, calculating the replacement frequency stability of the historical shipping address includes:
calculating the abandonment probability of the historical receiving address of the user;
and carrying out standardization and normalization processing on the abandonment probability and obtaining the stability of the replacement frequency according to a processing result.
In an exemplary embodiment of the present disclosure, evaluating the stability of the use of the user's historical shipping address according to the user address stability and the replacement frequency stability includes:
configuring a first weight value and a second weight value; wherein the first weight value is less than the second weight value;
performing a product operation on the first weight value and the replacement frequency stability to obtain a first stability;
performing a product operation on the second weight value and the user address stability to obtain a second stability;
and performing summation operation on the first stability and the second stability, and evaluating the use stability of the historical receiving address of the user according to the result of the summation operation.
In an exemplary embodiment of the present disclosure, after obtaining the historical shipping address of the user, the risk assessment method based on the user address use stability further includes:
and preprocessing the historical delivery address of the user.
According to an aspect of the present disclosure, there is provided a risk assessment apparatus based on user address use stability, including:
the characteristic index construction module is used for acquiring a historical goods receiving address of a user and constructing and evaluating a plurality of characteristic indexes of the historical goods receiving address of the user;
the stability evaluation module is used for evaluating the use stability of the historical goods receiving address of the user according to each characteristic index;
and the risk evaluation module is used for carrying out risk evaluation on the user according to the evaluation result of the use stability of the historical delivery address of the user.
According to an aspect of the present disclosure, there is provided a computer-readable storage medium, on which a computer program is stored, the computer program, when executed by a processor, implementing any one of the above-mentioned risk assessment methods based on user address usage stability.
According to an aspect of the present disclosure, there is provided an electronic device including:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to execute any one of the above-mentioned risk assessment methods based on user address usage stability via execution of the executable instructions.
The invention discloses a risk assessment method and a risk assessment device based on user address use stability, wherein a plurality of characteristic indexes for assessing a historical goods receiving address of a user are established, and the stability of the historical goods receiving address of the user is assessed according to each characteristic index; then, carrying out risk assessment on the user according to the stability assessment result of the historical goods receiving address of the user; on one hand, by evaluating the use stability of the historical goods receiving address of the user and evaluating the risk of the user according to the use stability evaluation result, the deviation caused by evaluation only according to the basic information of the user in the existing evaluation scheme is solved, the accuracy of risk evaluation is improved, and the risk rate is reduced; on the other hand, risk assessment is carried out on the user according to the use stability assessment result of the historical receiving address of the user, so that the use rate of the receiving address of the user in the e-commerce is improved, and meanwhile, the benefit of an enterprise can be increased; furthermore, risk assessment is carried out on the user according to the use stability assessment result of the historical delivery address of the user, so that enterprises can further manage and supervise the user according to the delivery address, and the risk rate is further reduced.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the disclosure.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present disclosure and together with the description, serve to explain the principles of the disclosure. It is to be understood that the drawings in the following description are merely exemplary of the disclosure, and that other drawings may be derived from those drawings by one of ordinary skill in the art without the exercise of inventive faculty.
FIG. 1 schematically illustrates a flow chart of a risk assessment method based on user address usage stability.
Fig. 2 schematically shows an example diagram of a time axis.
Figure 3 schematically illustrates a flow chart of a method of evaluating the stability of a historical shipping address.
Fig. 4 schematically illustrates a flow chart of a method of calculating the stability of the frequency of replacement of the historical shipping address.
FIG. 5 schematically illustrates a block diagram of a risk assessment device based on user address usage stability.
Fig. 6 schematically illustrates an electronic device for implementing the above-described risk assessment method based on user address usage stability.
Fig. 7 schematically illustrates a computer-readable storage medium for implementing the above-described risk assessment method based on user address use stability.
Detailed Description
Example embodiments will now be described more fully with reference to the accompanying drawings. Example embodiments may, however, be embodied in many different forms and should not be construed as limited to the examples set forth herein; rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of example embodiments to those skilled in the art. The described features, structures, or characteristics may be combined in any suitable manner in one or more embodiments. In the following description, numerous specific details are provided to give a thorough understanding of embodiments of the disclosure. One skilled in the relevant art will recognize, however, that the subject matter of the present disclosure can be practiced without one or more of the specific details, or with other methods, components, devices, steps, and the like. In other instances, well-known technical solutions have not been shown or described in detail to avoid obscuring aspects of the present disclosure.
Furthermore, the drawings are merely schematic illustrations of the present disclosure and are not necessarily drawn to scale. The same reference numerals in the drawings denote the same or similar parts, and thus their repetitive description will be omitted. Some of the block diagrams shown in the figures are functional entities and do not necessarily correspond to physically or logically separate entities. These functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different networks and/or processor devices and/or microcontroller devices.
With the rapid development of internet technologies in recent years, various new types of services have been increased explosively, and huge service risks are inevitably introduced. Therefore, how to control the risk becomes the core competitiveness of the new mode service of the internet.
The existing risk control is to make some simple knowledge of the basic information (such as name, age, occupation, etc.) of the user, and then estimate the risk of the user according to the basic information. However, the estimation method has strong blindness and singleness, and the risk assessment result cannot be made more accurately; in many cases, a greater risk is posed.
In the present exemplary embodiment, a risk assessment method based on user address usage stability is first provided. Referring to fig. 1, the method may include the steps of:
step S110, obtaining a historical goods receiving address of a user and constructing and evaluating a plurality of characteristic indexes of the historical goods receiving address of the user.
And S120, evaluating the use stability of the historical receiving address of the user according to each characteristic index.
And S130, performing risk assessment on the user according to the use stability assessment result of the historical receiving address of the user.
In the risk assessment method based on the use stability of the user address, on one hand, the use stability of the historical delivery address of the user is assessed, and the risk assessment is carried out on the user according to the use stability assessment result, so that the deviation caused by the assessment only according to the basic information of the user in the existing assessment scheme is solved, the accuracy of the risk assessment is improved, and the risk rate is reduced; on the other hand, risk assessment is carried out on the user according to the use stability assessment result of the historical receiving address of the user, so that the use rate of the receiving address of the user in the e-commerce is improved, and meanwhile, the benefit of an enterprise can be increased; furthermore, risk assessment is carried out on the user according to the use stability assessment result of the historical delivery address of the user, so that enterprises can further manage and supervise the user according to the delivery address, and the risk rate is further reduced.
Next, each step in the above-described risk assessment method based on user address use stability in the present exemplary embodiment will be explained and explained in detail.
In step S110, a user 'S historical shipping address is obtained and a plurality of characteristic indexes for evaluating the user' S historical shipping address are constructed. In detail:
firstly, acquiring a user historical receiving address of a user (a plurality of users) in a first preset time period (such as within five years) and a user historical receiving address in a second preset time period (such as within one year); then, a plurality of characteristic indicators for evaluating the historical shipping addresses of the user are constructed, wherein the characteristic indicators may include a first usage duration within a first preset time period (within five years, or other times, such as four years or six years, etc., which are not specifically limited by this example), a first non-usage duration within the first preset time period (within five years, or other times, such as four years or six years, etc., which are not specifically limited by this example), a first next order time within a second preset time period (within one year, or other times, such as half a year or two years, etc., which are not specifically limited by this example), a second usage duration within the second preset time period (within one year, or other times, such as half a year or two years, etc., which are not specifically limited by this example), other characteristic indexes may also be included, for example, the used time and the unused time in other preset time periods, and the like, which is not limited in this example. As shown in fig. 2, the method for calculating the characteristic indexes may include:
a first usage duration (use _ period) is the last time (addr _ end _ dt) of the address in five years, and the first time (addr _ start _ dt) +1 of the address in five years;
a first unused duration (abandon _ period) ═ the last time (five _ end _ dt) of the user in five years — the last time (addr _ end _ dt) +1 of the address in five years;
first time to order (this _ year _ start _ period) ═ current statistical date (end _ dt) — first time to order (this _ year _ ord _ dt) +1 for the address of the user within one year; the first order placing time can also be referred to as the time from the first order placing to the current system date in the address of the user within one year;
the second usage duration (this _ year _ use _ period) is the last time when the address is listed (addr _ end _ dt) in five years, and the first time when the address is listed (this _ year _ ord _ dt) +1 for the user in one year. Further, the above calculation process and name can be compared with those shown in the following table 1:
TABLE1
Further, in order to improve efficiency of constructing the feature index, the historical user data may be preprocessed, which specifically includes: and preprocessing the historical delivery address of the user. In detail:
in view of the fact that the business is rapidly expanded at present, the types of orders existing in the data table are numerous, in order to acquire data related to a receiving address of a user, the orders which are complete, effective and non-virtual and have the user order real payment amount larger than 0 can be selected, and the orders which are incomplete, ineffective, virtual and have the user order amount of 0 are screened out.
In step S120, the stability of the use of the user' S historical shipping address is evaluated according to each of the characteristic indexes. As shown in fig. 3, the evaluation of the stability of the use of the user' S historical shipping address may include steps S310 to S330. Wherein:
in step S310, a first usage duration within the first preset time period is calculated, and the stability of the usage behavior of the historical shipping address of the user is calculated according to the first usage duration. The step of calculating the stability of the use behavior of the user historical shipping address may include the step S3102 and the step S3104. Wherein:
in step S3102, the time difference between the last time of placing the order and the first time of placing the order of the user address in the first preset time period is calculated to obtain the first usage duration. For example:
calculating the time difference between the last order placing time and the first order placing time of the user address in a first preset time period to obtain a first use duration; for example: the first usage time period may be calculated by: the first usage duration (use _ period) is the last time the address was placed next (addr _ end _ dt) in five years, and the first time the address was placed next (addr _ start _ dt) +1 in five years.
In step S3104: and carrying out normalization (for example, Z-score normalization) on the first use time length and normalization processing, and obtaining the use behavior stability of the user historical receiving address according to the processing result. The method specifically comprises the following steps: carrying out difference operation by using the first using time length and the average value of the first using time length to obtain a time length difference value; dividing the time length difference by the standard deviation of the first using time length to obtain a time length ratio; and determining the stability of the use behavior of the historical receiving address of the user according to the duration ratio. In detail:
first of all, the first step is to,
wherein, Zstabscore (use _ period) is a standardized processing result of the first use duration, and use _ period is the first use duration; avg (use _ period) is an average value of the first usage period; std (use _ period) is a standard deviation of the first usage duration;
secondly, when the Zstabscore (use _ period) >1, the Zstabscore (use _ period) ═ 1;
when the Zstabscore (use _ period) < -1, the Zstabscore (use _ period) ═ 1.
Further, when there are a plurality of user historical shipping addresses, stability of usage behavior of each user historical shipping address may be evaluated. The method for calculating the stability of the use behavior of the historical shipping address of each user can comprise the following steps:
the usage stability of each user history receiving address is 3/10 × use _ period _ table +1/25 × cnt _ table1+1/25 × amt _ table1+1/5 × cnt _ table2+1/5 × amt _ table2+1/25 × wgt _ s table +1/25 × vlm _ table +1/25 _ ord _ day _ table +1/10 × ord _ bright _ table. In addition, the historical shipping addresses of the users may be respectively standardized and normalized to obtain the stability of the historical shipping addresses of the users, which is not limited in this example. It should be further noted that, for the user whose number of historical delivery addresses is less than two, all the addresses are selected as their representative addresses; for a user with more than two addresses, the address with the address use stability more than or equal to the average value of all the address use stabilities of the user is regarded as a representative address. The method is mainly used for eliminating the address with great difference in use duration and purchasing behavior from the normal purchasing behavior of the user, and the stability of the representative address is used as an index for measuring the address stability of the user.
Furthermore, in order to more accurately obtain the stability of the user address, the stability of the replacement frequency of the historical delivery address of the user can be added to further evaluate the use stability of the historical delivery address of the user; the method specifically comprises the following steps: and calculating the stability of the replacement frequency of the historical receiving address of the user. As shown in fig. 4, calculating the replacement frequency stability may include step S410 and step S420. Wherein:
in step S410, a deprecation probability of the user' S historical shipping address is calculated. For example:
abandoning probability (abandon _ pct) ═ number of abandoned addresses/total number of user addresses; the non-use time of the user historical receiving address is longer than the use time of the address in the last year (abandon _ period > this _ year _ use _ period), and the user historical receiving address can be defined as a disuse address.
In step S420, the abandonment probability is normalized and normalized, and the replacement frequency stability is obtained according to the processing result. For example:
wherein, the ZTabscore (abandon _ pct) is a discarding probability standardization result; abandon _ pct is the abandonment probability; avg (abandon _ pct) is the discarding probability average; std (abandon _ pct) is a discarding probability label difference;
further, when the ztabscore (abandon _ pct) >1, the ztabscore (abandon _ pct) ═ 1;
when the ztabscore (abandon _ pct) < -1, the ztabscore (abandon _ pct) — 1. It should be noted that, since the discarding time and the total number of used addresses are related, this formula is adopted. The reason that the use time length of the last year is selected is that the selected addresses are all addresses of the last year, the abandon time length cannot exceed one year, and therefore the use time length also selects the behavior of the last year. Of course, the abandonment of the user may be the personal address of the user, the change of the company address or the purchasing behavior, but the purchasing of the product for friends is not excluded. However, since the final normalization is compared with the behaviors of all users, no deduction is caused if the average behavior of all users is equal.
Subsequently, when the replacement frequency stability is obtained, the evaluating the usage stability of the historical shipping address of the user according to the usage stability and the purchasing stability may further include steps S510 and S520. Wherein:
in step S510, a merging operation is performed on the stability of the use behavior and the stability of the purchase behavior to obtain the stability of the user address. In detail:
in step S520, the stability of the use of the historical shipping address of the user is evaluated according to the stability of the user address and the stability of the replacement frequency. Wherein, the evaluating the use stability of the user historical receiving address according to the user address stability and the replacement frequency stability may include steps S5204 to S5208. Wherein:
in step S5202, a first weight value and a second weight value are configured; wherein the first weight value is less than the second weight value. For example:
the first weighted value may be 0.1, or may be another value, for example, 0.2 or 0.05, and the like, which is not limited in this example; the second weighting value may be 0.9, 0.8, 0.95, or the like, which is not limited in this example.
In step S5204, a product operation is performed on the first weight value and the replacement frequency stability to obtain a first stability.
In step S5206, a product operation is performed on the second weight value and the user address stability to obtain a second stability.
In step S5208, a summation operation is performed on the first stability and the second stability, and the stability of use of the user' S historical shipping address is evaluated according to the result of the summation operation.
Further, the above steps S4204 to S4208 are explained and explained in detail. Wherein:
user_stable＝0.9*use_addr_stable+0.1*Zstabscore(abandon_pct)；
the user _ stable is the use stability of the historical receiving address of the user, and the user _ addr _ stable is the average value of the stability of the screened representative address; zstabscore (abandon _ pct) for replacement frequency stability; when the value of the user _ stable is 1, the use stability of the historical receiving address of the user is high; when the value of the user _ stable is more than 0.6 and less than 1, the use stability of the historical receiving address of the user is high; when the value of the user _ stable is less than 0.5, the use stability of the historical receiving address of the user is low.
In step S320, a second usage duration within the second preset time period is calculated, and the stability of the purchasing behavior of the user is calculated according to the second usage duration. Wherein, calculating the stability of the purchasing behavior of the user may include steps S3202-S3206. Wherein:
in step S3202, a time difference between a last time of placing an order and a first time of placing an order of the user address within a second preset time period is calculated to obtain the second usage duration. For example:
the second usage duration (this _ year _ use _ period) is the last time when the address is listed (addr _ end _ dt) in five years, and the first time when the address is listed (this _ year _ ord _ dt) +1 for the user in one year.
In step S3204, the order quantity, the order amount, the product volume, and the product weight of the user address during the second usage period are calculated. In detail:
in order to prevent the one-sided stability caused by the sparse order, the statistical number of the lower single number (parent single number), the actual payment amount of the lower single number, the total preferential amount of the lower single number, the weight and the volume of the commodity and the like in the last year on each address of the user can reflect the total consumption condition of the user in the last year.
In step S3206, the order quantity, the order amount, the product volume, and the product weight are normalized and normalized, and the stability of the purchasing behavior of the user is obtained according to the processing result. The stability of the purchasing behavior may include absolute stability and seasonal stability, among others. In detail:
firstly, standardizing and normalizing the order quantity, the order amount, the commodity volume and the commodity weight, and obtaining the absolute stability of the purchasing behavior of the user according to a processing result, for example:
wherein x isiZstabscore (x) for order quantity, order amount, product volume, product weight, and the likei) The order quantity, the order amount, the commodity volume and the commodity weight are standardized processing results; avg (x)i) The average value of the order quantity, the order amount, the commodity volume and the commodity weight is obtained; std (x)i) The standard deviation of the order quantity, the order amount, the commodity volume and the commodity weight is obtained;
further, when ZTabscore (x)i)>1, ZTabscore (x)i)＝1；
When ZTabscore (x)i)<1, Zstabscore (x)i)＝-1。
Secondly, standardizing and normalizing the order quantity, the order amount, the commodity volume and the commodity weight, and obtaining the seasonal stability of the purchasing behavior of the user according to a processing result, for example:
wherein，cv(x1,x2,...,xn) The order quantity, the order amount, the commodity volume and the variation coefficient of the commodity weight are obtained; std (x)i) The standard deviation of the order quantity, the order amount, the commodity volume and the commodity weight is obtained; avg (x)i) The average value of the order quantity, the order amount, the commodity volume and the commodity weight is obtained; ZTabscore (cv (x)i) The order quantity, the order amount, the commodity volume and the commodity weight are taken as the variation coefficient standardization processing results; avg (cv (x)i) Mean value of the coefficient of variation; std (cv (x)i) A labeled difference representing a coefficient of variation;
further, when ZTabscore (cv (x)i))>1, ZTabscore (cv (x)i))＝1；
When ZTabscore (cv (x)i))<1, Zstabscore (cv (x)i))＝-1。
And finally, carrying out summation operation on the absolute stability and the extreme stability to obtain the purchasing behavior stability. It should be noted that, the odd number in quarter, the order amount, and the order offer amount are calculated for each address, and the variation coefficient (standard deviation/average value) of the odd number in quarter, the order amount in quarter, the order offer amount in quarter, the weight of the product, and the volume is used as the stability of the order number, the order amount, the offer amount, the weight of the product, and the volume. The index is only available for the address with the seasonal stability starting date exceeding two seasons by the current statistical date, and other addresses are assigned with 0; in feature processing for quarterly stability, the coefficient of variation of the statistic is used as a stable processing index, and the influence of dimensional difference can be eliminated.
Further, order time stability may also be evaluated. The method specifically comprises the following steps:
the order time can be divided into order placing time and order receiving time; wherein, the order receiving time can count the number of orders received by the last year working time [9,18] and rest time [20,24] of the address of the user, and the absolute number of the orders is used as one of the stability consideration indexes; for example:
wherein, Zstabscore (x)1,x2,...,xn) The standardized processing result of the order time is obtained; x is the number ofiIs the order time; avg (x)i) Is the average time of the order; std (x)i) Is the standard deviation of order time;
further, when ZTabscore (x)i)>1, ZTabscore (x)i)＝1；
When ZTabscore (x)i)<1, Zstabscore (x)i)＝-1。
In step S330, the stability of the use of the historical shipping address of the user is evaluated according to the stability of the use and the stability of the purchase. Wherein evaluating the usage stability of the historical shipping address of the user may include: and evaluating the use stability of the historical delivery address of the user according to the user address stability and the purchasing behavior stability. In detail:
when the stability of the user address and the purchasing stability are stable, the use stability of the historical goods receiving address of the user can be considered to be stable; for example, when the values of the user address stability and the purchase stability are both 1, the user historical shipping address of the user may be considered to be stable.
In step S130, risk assessment is performed on the use according to the result of the evaluation of the use stability of the user' S historical shipping address. In detail:
when most addresses of a user are long in service life, stable in purchasing behavior and incapable of replacing and abandoning the addresses randomly, the address stability of the user is high; furthermore, from the perspective of risk prevention and control, users with stable addresses can be considered, the reliability is high, because the cost for the users to avoid responsibility pursuit is high, the possibility of successful avoidance is slightly low, the operation is convenient to implement in the collection process of risk management, and a certain reference function is provided in the aspect of measuring the user risk. Further, the stability score is used for evaluating the user risk aiming at the user address; the relationship between the address use stability and the overdue rate is considered, the address use stability is divided into 10 groups according to the values, the current overdue rate, the historical overdue rate and the like are considered, and the final result is shown in the following table2 and basically shows a monotonous trend.
TABLE2
Finally, it should be explained again that the present disclosure starts from the user's shipping address, and combines the duration of use and the purchasing behavior of the user's address to evaluate the stability of each address of the user. And for the multi-address user, screening a representative address of the user, and taking the stability of the representative address as an index for measuring the stability of the address of the user. And evaluating the risk of the user through the output of the address stability score of the user. The stable user address can generate value in the links of application, management and collection. Further, the stability of the user address reflects the stability of the user behavior characteristics to a certain extent, and if the behavior characteristics are obviously different from the average value of all users in the use of the shipping address, the risk of the user is relatively high in risk control. According to the method and the device, the user address stability is scored and judged, the quality of the user can be predicted, the user is grouped, classified or personalized accurate marketing, the evaluation and estimation of the fraud risk of the user and the like are carried out, so that the service level capability is improved, and the further development of financial science and technology is promoted.
In addition, a series of stability models can be constructed by means of a processing method for user address stability, such as user receiving mobile phone number stability, user ordering IP stability and the like. And risks are avoided through the construction of a series of stability models. Furthermore, in the scheme, a prediction model algorithm can be tried to be applied to the method for evaluating the stability of the user address, and the consideration of the stability index can be richer, for example, the home address can be predicted according to the richness of the user address purchasing category. The unique data advantage of the e-commerce reflects the data characteristic of the e-commerce field in the address stability processing. The other fields relate to the processing of address stability, the use and the replacement of addresses derived from the time axis concept can be considered in different fields, and the index processing of the user purchasing behavior in the scheme can be processed according to the data characteristics of the specific field. The order quantity, the order amount and the order time which are convenient to expand and use can be expanded in other industries, such as the O2O industry, but are mainly applicable to the E-commerce industry.
The present disclosure also provides a risk assessment device based on user address use stability. Referring to fig. 5, the risk assessment apparatus based on user address use stability may include a feature index construction module 510, a stability assessment module 520, and a risk assessment module 530. Wherein:
the characteristic indicator construction module 510 may be configured to obtain a historical shipping address of a user and construct a plurality of characteristic indicators that evaluate the historical shipping address of the user.
The stability evaluation module 520 may be configured to evaluate the stability of the use of the historical shipping address of the user according to each of the characteristic indicators.
The risk assessment module 530 may be configured to perform risk assessment on the user according to the result of the usage stability assessment of the user's historical shipping address.
The details of each module in the risk assessment apparatus based on the user address use stability are already described in detail in the corresponding risk assessment method based on the user address use stability, and therefore are not described herein again.
It should be noted that although in the above detailed description several modules or units of the device for action execution are mentioned, such a division is not mandatory. Indeed, the features and functionality of two or more modules or units described above may be embodied in one module or unit, according to embodiments of the present disclosure. Conversely, the features and functions of one module or unit described above may be further divided into embodiments by a plurality of modules or units.
Moreover, although the steps of the methods of the present disclosure are depicted in the drawings in a particular order, this does not require or imply that the steps must be performed in this particular order, or that all of the depicted steps must be performed, to achieve desirable results. Additionally or alternatively, certain steps may be omitted, multiple steps combined into one step execution, and/or one step broken down into multiple step executions, etc.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a mobile terminal, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
In an exemplary embodiment of the present disclosure, an electronic device capable of implementing the above method is also provided.
As will be appreciated by one skilled in the art, aspects of the present invention may be embodied as a system, method or program product. Thus, various aspects of the invention may be embodied in the form of: an entirely hardware embodiment, an entirely software embodiment (including firmware, microcode, etc.) or an embodiment combining hardware and software aspects that may all generally be referred to herein as a "circuit," module "or" system.
An electronic device 600 according to this embodiment of the invention is described below with reference to fig. 6. The electronic device 600 shown in fig. 6 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present invention.
As shown in fig. 6, the electronic device 600 is embodied in the form of a general purpose computing device. The components of the electronic device 600 may include, but are not limited to: the at least one processing unit 610, the at least one memory unit 620, and a bus 630 that couples the various system components including the memory unit 620 and the processing unit 610.
Wherein the storage unit stores program code that is executable by the processing unit 610 to cause the processing unit 610 to perform steps according to various exemplary embodiments of the present invention as described in the above section "exemplary methods" of the present specification. For example, the processing unit 610 may perform step S110 as shown in fig. 1: acquiring a historical goods receiving address of a user and constructing and evaluating a plurality of characteristic indexes of the historical goods receiving address of the user; s120: evaluating the use stability of the historical receiving address of the user according to each characteristic index; step S130: performing risk assessment on the user according to the use stability assessment result of the historical goods receiving address of the user
The storage unit 620 may include readable media in the form of volatile memory units, such as a random access memory unit (RAM)6201 and/or a cache memory unit 6202, and may further include a read-only memory unit (ROM) 6203.
The memory unit 620 may also include a program/utility 6204 having a set (at least one) of program modules 6205, such program modules 6205 including, but not limited to: an operating system, one or more application programs, other program modules, and program data, each of which, or some combination thereof, may comprise an implementation of a network environment.
The electronic device 600 may also communicate with one or more external devices 700 (e.g., keyboard, pointing device, bluetooth device, etc.), with one or more devices that enable a user to interact with the electronic device 600, and/or with any devices (e.g., router, modem, etc.) that enable the electronic device 600 to communicate with one or more other computing devices. Such communication may occur via an input/output (I/O) interface 650. Also, the electronic device 600 may communicate with one or more networks (e.g., a Local Area Network (LAN), a Wide Area Network (WAN), and/or a public network such as the Internet) via the network adapter 660. As shown, the network adapter 660 communicates with the other modules of the electronic device 600 over the bus 630. It should be appreciated that although not shown in the figures, other hardware and/or software modules may be used in conjunction with the electronic device 600, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems, among others.
Through the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described herein may be implemented by software, or by software in combination with necessary hardware. Therefore, the technical solution according to the embodiments of the present disclosure may be embodied in the form of a software product, which may be stored in a non-volatile storage medium (which may be a CD-ROM, a usb disk, a removable hard disk, etc.) or on a network, and includes several instructions to enable a computing device (which may be a personal computer, a server, a terminal device, or a network device, etc.) to execute the method according to the embodiments of the present disclosure.
In an exemplary embodiment of the present disclosure, there is also provided a computer-readable storage medium having stored thereon a program product capable of implementing the above-described method of the present specification. In some possible embodiments, aspects of the invention may also be implemented in the form of a program product comprising program code means for causing a terminal device to carry out the steps according to various exemplary embodiments of the invention described in the above section "exemplary methods" of the present description, when said program product is run on the terminal device.
Referring to fig. 7, a program product 800 for implementing the above method according to an embodiment of the present invention is described, which may employ a portable compact disc read only memory (CD-ROM) and include program code, and may be run on a terminal device, such as a personal computer. However, the program product of the present invention is not limited in this regard and, in the present document, a readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device.
The program product may employ any combination of one or more readable media. The readable medium may be a readable signal medium or a readable storage medium. A readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples (a non-exhaustive list) of the readable storage medium include: an electrical connection having one or more wires, a portable disk, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
A computer readable signal medium may include a propagated data signal with readable program code embodied therein, for example, in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A readable signal medium may also be any readable medium that is not a readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device.
Program code embodied on a readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
Program code for carrying out operations for aspects of the present invention may be written in any combination of one or more programming languages, including an object oriented programming language such as Java, C + + or the like and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computing device, partly on the user's device, as a stand-alone software package, partly on the user's computing device and partly on a remote computing device, or entirely on the remote computing device or server. In the case of a remote computing device, the remote computing device may be connected to the user computing device through any kind of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or may be connected to an external computing device (e.g., through the internet using an internet service provider).
Furthermore, the above-described figures are merely schematic illustrations of processes involved in methods according to exemplary embodiments of the invention, and are not intended to be limiting. It will be readily understood that the processes shown in the above figures are not intended to indicate or limit the chronological order of the processes. In addition, it is also readily understood that these processes may be performed synchronously or asynchronously, e.g., in multiple modules.
Other embodiments of the disclosure will be apparent to those skilled in the art from consideration of the specification and practice of the disclosure disclosed herein. This application is intended to cover any variations, uses, or adaptations of the disclosure following, in general, the principles of the disclosure and including such departures from the present disclosure as come within known or customary practice within the art to which the disclosure pertains. It is intended that the specification and examples be considered as exemplary only, with a true scope and spirit of the disclosure being indicated by the following claims.
Claims (11)
1. A risk assessment method based on user address use stability is characterized by comprising the following steps:
acquiring a historical receiving address of a user, screening unfinished orders, invalid orders, virtual orders and orders with the amount of 0 of the user orders in the historical receiving address of the user, and constructing and evaluating a plurality of characteristic indexes of the historical receiving address of the user; the characteristic indexes comprise a plurality of types of first use time in a first preset time period, first unused time in the first preset time period, first order placing time in a second preset time period and second use time in the second preset time period;
evaluating the use stability of the historical receiving address of the user according to each characteristic index; when the number of the user historical shipping addresses is less than two, taking all the user historical shipping addresses as representative addresses; when the number of the historical receiving addresses of the user is more than two, taking the address with the address use stability more than or equal to the average value of the address use stability as a representative address;
performing risk assessment on the user according to the use stability assessment result of the historical goods receiving address of the user; wherein, the risk assessment of the users comprises grouping the users;
wherein, the evaluating the use stability of the historical receiving address of the user according to each characteristic index comprises the following steps:
calculating a first use duration in the first preset time period, and calculating the use behavior stability of the historical goods receiving address of the user according to the first use duration;
calculating a second use duration in the second preset time period, and calculating the purchasing behavior stability of the user according to the second use duration;
and evaluating the use stability of the historical receiving address of the user according to the use behavior stability and the purchase behavior stability.
2. The risk assessment method based on user address use stability according to claim 1, wherein calculating a first use duration within the first preset time period and calculating the use behavior stability of the user historical shipping address according to the first use duration comprises:
calculating the time difference between the last ordering time and the first ordering time of the user address in a first preset time period to obtain the first use duration;
and standardizing and normalizing the first use duration, and obtaining the use behavior stability of the historical goods receiving address of the user according to a processing result.
3. The risk assessment method based on user address use stability according to claim 2, wherein the step of normalizing the first use duration and obtaining the use behavior stability of the user historical shipping address according to the processing result comprises:
carrying out difference operation by using the first using time length and the average value of the first using time length to obtain a time length difference value;
dividing the time length difference by the standard deviation of the first using time length to obtain a time length ratio;
and determining the stability of the use behavior of the historical receiving address of the user according to the duration ratio.
4. The risk assessment method based on user address usage stability according to claim 1, wherein calculating a second usage duration within the second preset time period, and calculating the user purchasing behavior stability according to the second usage duration comprises:
calculating the time difference between the last ordering time and the first ordering time of the user address in a second preset time period to obtain a second use duration;
calculating the order quantity, the order amount, the commodity volume and the commodity weight of the user address during a second using time period;
and standardizing and normalizing the order quantity, the order amount, the commodity volume and the commodity weight, and obtaining the purchasing behavior stability of the user according to a processing result.
5. The risk assessment method based on user address usage stability according to any one of claims 2 to 4, wherein the purchasing behavior stability comprises absolute stability and seasonal stability.
6. The risk assessment method based on user address usage stability according to claim 1, wherein after calculating the user's purchasing behavior stability according to the second usage duration, the risk assessment method based on user address usage stability further comprises:
calculating the stability of the replacement frequency of the historical receiving address of the user;
wherein evaluating the usage stability of the historical shipping address of the user according to the usage behavior stability and the purchasing behavior stability further comprises:
carrying out merging operation on the stability of the using behavior and the stability of the purchasing behavior to obtain the stability of the user address;
and evaluating the use stability of the historical delivery address of the user according to the user address stability and the replacement frequency stability.
7. The risk assessment method according to claim 6, wherein calculating the stability of the frequency of replacement of the historical shipping address comprises:
calculating the abandonment probability of the historical receiving address of the user;
and carrying out standardization and normalization processing on the abandonment probability and obtaining the stability of the replacement frequency according to a processing result.
8. The risk assessment method according to claim 6, wherein the assessing the stability of the use of the historical shipping address of the user according to the stability of the user address and the stability of the replacement frequency comprises:
configuring a first weight value and a second weight value; wherein the first weight value is less than the second weight value;
performing a product operation on the first weight value and the replacement frequency stability to obtain a first stability;
performing a product operation on the second weight value and the user address stability to obtain a second stability;
and performing summation operation on the first stability and the second stability, and evaluating the use stability of the historical receiving address of the user according to the result of the summation operation.
9. A risk assessment apparatus based on user address usage stability, comprising:
the characteristic index construction module is used for acquiring a historical receiving address of a user, screening unfinished orders, invalid orders, virtual orders and orders with the amount of 0 of the user orders in the historical receiving address of the user, and constructing a plurality of characteristic indexes for evaluating the historical receiving address of the user; the characteristic indexes comprise a plurality of types of first use time in a first preset time period, first unused time in the first preset time period, first order placing time in a second preset time period and second use time in the second preset time period;
the stability evaluation module is used for evaluating the use stability of the historical goods receiving address of the user according to each characteristic index; when the number of the user historical shipping addresses is less than two, taking all the user historical shipping addresses as representative addresses; when the number of the historical receiving addresses of the user is more than two, taking the address with the address use stability more than or equal to the average value of the address use stability as a representative address;
the risk evaluation module is used for carrying out risk evaluation on the user according to the evaluation result of the use stability of the historical delivery address of the user; wherein, the risk assessment of the users comprises grouping the users;
wherein, the evaluating the use stability of the historical receiving address of the user according to each characteristic index comprises the following steps:
calculating a first use duration in the first preset time period, and calculating the use behavior stability of the historical goods receiving address of the user according to the first use duration;
calculating a second use duration in the second preset time period, and calculating the purchasing behavior stability of the user according to the second use duration;
and evaluating the use stability of the historical receiving address of the user according to the use behavior stability and the purchase behavior stability.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, implements the risk assessment method based on user address usage stability according to any one of claims 1 to 8.
11. An electronic device, comprising:
a processor; and
a memory for storing executable instructions of the processor;
wherein the processor is configured to perform the user address usage stability based risk assessment method of any of claims 1-8 via execution of the executable instructions.
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