CN112102070A - Risk assessment method and device - Google Patents
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Abstract
The present specification provides a risk assessment method and apparatus, comprising: the risk assessment management platform carries out prediction calculation aiming at business behavior data of a user to obtain the prediction response content of the user to a risk assessment question; judging whether the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test triggering condition or not; if so, sending risk assessment questionnaire information containing the assessment questions and the predicted reply content to a client corresponding to the user, so that the user revises the reply content based on the assessment questions; receiving the revised reply content of the user sent by the client, and performing risk evaluation calculation on the user based on the revised reply content to obtain a risk evaluation result of the user.
Description
Technical Field
One or more embodiments of the present disclosure relate to the field of network communication technologies, and in particular, to a risk assessment method and apparatus.
Background
The continuous progress of high and new technologies promotes financial innovation while promoting economic development. Internet finance has played an increasingly important role in everyday life as a product of a combination of finance and technology. The user may manage accounts, make payments, purchase various financial products, etc. over the network.
Financial regulation requires financial institutions to provide products and services after completing investor risk tolerance assessments; the investor risk assessment includes the investor's subjective willingness to prefer and the ability to withstand risk objectively. Currently, the risk assessment of investors is usually implemented by each organization to perform assessment questionnaire survey, the questions of the questionnaires are more, users are relatively rejected for more steps in the internet scene, and meanwhile, the financial supervision also requires that each organization keeps continuously updating the assessment of the risk assessment capability of the users.
Disclosure of Invention
In view of this, one or more embodiments of the present disclosure provide a risk assessment method applied to a risk assessment management platform, including:
performing prediction calculation aiming at business behavior data of a user to obtain the prediction response content of the user to a risk evaluation question;
judging whether the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test triggering condition or not;
if so, sending risk assessment questionnaire information containing the assessment questions and the predicted reply content to a client corresponding to the user, so that the user revises the reply content based on the assessment questions;
receiving the revised reply content of the user sent by the client, and performing risk evaluation calculation on the user based on the revised reply content to obtain a risk evaluation result of the user.
In yet another illustrated embodiment, the preset test trigger conditions include one or more of the following:
the risk evaluation management platform does not store the risk evaluation result of the user;
the risk evaluation management platform stores the expired risk evaluation result of the user;
the predicted risk evaluation result of the user calculated based on the predicted reply content is inconsistent with the risk evaluation result of the user stored by the risk evaluation management platform.
In yet another illustrated embodiment, before sending the risk assessment questionnaire information including the assessment question and the predicted response content to the client corresponding to the user, the method further includes:
and sending a risk assessment prompt to the user client so that the user responds to the risk assessment prompt and executes an operation of agreeing to carry out risk assessment on a user interface of the client.
In yet another illustrated embodiment, the business behavior data of the user includes answer information of the user to the historical risk assessment questions.
In another illustrated embodiment, the performing prediction calculation on the business behavior data of the user to obtain the predicted response content of the user to the risk assessment topic includes:
taking the business behavior data of the user as a prediction sample, and inputting the trained machine learning model for predicting the response of the user to the risk assessment question to perform prediction calculation;
and obtaining a prediction calculation result output by the machine learning model to obtain the prediction response content of the user to the risk evaluation question.
In another embodiment, the risk assessment of the user based on the revised reply content to obtain the risk assessment result of the user includes:
calculating a plurality of feature values corresponding to the user based on the revised reply content;
and inputting the characteristic values into a risk evaluation calculation model to obtain a risk evaluation result of the user.
In another illustrated embodiment, the method further comprises:
receiving a log file sent by the client and used for revision processing of the reply content by the user;
and generating a risk assessment operation video of the user based on the log file, and storing the risk assessment operation video as a risk assessment archive for the user.
Correspondingly, one or more embodiments of the present specification further provide a risk assessment method applied to a client corresponding to a user, including:
receiving risk evaluation questionnaire information sent by a risk evaluation management platform, wherein the risk evaluation questionnaire information comprises an evaluation question and a prediction reply content to the evaluation question, and the prediction reply content is obtained by performing prediction calculation on the business behavior data of the user by the risk evaluation management platform;
pushing the risk assessment questionnaire information to a user interface of the client so that the user revises the response content based on the assessment questions;
and sending the reply content revised by the user on the reply content to the risk assessment management platform, so that the risk assessment management platform performs risk assessment calculation on the user on the basis of the revised reply content to obtain a risk assessment result of the user.
In yet another illustrated embodiment, the business behavior data of the user includes answer information of the user to the historical risk assessment questions.
In a further illustrated embodiment, before receiving the risk assessment questionnaire information sent by the risk assessment management platform, the method further includes:
and receiving a risk assessment prompt sent by the risk assessment management platform so that the user responds to the risk assessment prompt and executes the operation of agreeing to carry out the risk assessment on a user interface of the client.
In yet another illustrated embodiment, the risk assessment reminder includes reward information displayed at a user interface of the client for risk assessment of the user.
In another illustrated embodiment, the method further comprises:
and sending a log file which is revised by the user according to the predicted reply content to the risk assessment management platform, so that the risk management platform generates a risk assessment operation video of the user based on the log file, and stores the risk assessment operation video as a risk assessment archive aiming at the user.
Correspondingly, this specification still provides a risk assessment device, is applied to risk assessment management platform, includes:
the prediction unit is used for carrying out prediction calculation on the business behavior data of the user to obtain the prediction response content of the user to the risk assessment question;
the judgment unit is used for judging whether the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test trigger condition or not;
a sending unit, configured to send risk assessment questionnaire information including the assessment question and the predicted reply content to a client corresponding to the user, so that the user revises the reply content based on the assessment question;
the receiving unit is used for receiving the revised reply content of the user sent by the client;
and the calculating unit is used for carrying out risk evaluation calculation on the user based on the revised reply content to obtain a risk evaluation result of the user.
In yet another illustrated embodiment, the preset test trigger conditions include one or more of the following:
the risk evaluation management platform does not store the risk evaluation result of the user;
the risk evaluation management platform stores the expired risk evaluation result of the user;
the predicted risk evaluation result of the user calculated based on the predicted reply content is inconsistent with the risk evaluation result of the user stored by the risk evaluation management platform.
In yet another illustrated embodiment, the sending unit is further configured to:
and sending a risk assessment prompt to the user client before sending the risk assessment questionnaire information containing the assessment questions and the predicted reply content to the client corresponding to the user, so that the user responds to the risk assessment prompt and executes the operation of agreeing to carry out risk assessment on a user interface of the client.
In yet another illustrated embodiment, the business behavior data of the user includes answer information of the user to the historical risk assessment questions.
In yet another illustrated embodiment, the prediction unit is further configured to:
taking the business behavior data of the user as a prediction sample, and inputting the trained machine learning model for predicting the response of the user to the risk assessment question to perform prediction calculation;
and obtaining a prediction calculation result output by the machine learning model to obtain the prediction response content of the user to the risk evaluation question.
In yet another illustrated embodiment, the computing unit is further configured to:
calculating a plurality of feature values corresponding to the user based on the revised reply content;
and inputting the characteristic values into a risk evaluation calculation model to obtain a risk evaluation result of the user.
In yet another illustrated embodiment, the receiving unit is further configured to:
receiving a log file sent by the client and used for revising the reply content by the user, generating a risk assessment operation video of the user based on the log file, and storing the risk assessment operation video as a risk assessment archive aiming at the user.
Correspondingly, this specification also provides a risk assessment device, is applied to the client that the user corresponds, includes:
the risk assessment management platform comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving risk assessment questionnaire information sent by a risk assessment management platform, the risk assessment questionnaire information comprises an assessment question and prediction reply content of the assessment question, and the prediction reply content is obtained by performing prediction calculation on the business behavior data of the user by the risk assessment management platform;
the pushing unit is used for pushing the risk assessment questionnaire information to a user interface of the client so as to revise the reply content based on the assessment question by the user;
and the sending unit is used for sending the reply content which is revised by the user on the reply content to the risk assessment management platform so that the risk assessment management platform carries out risk assessment calculation on the user on the basis of the revised reply content to obtain a risk assessment result of the user.
In yet another illustrated embodiment, the business behavior data of the user includes answer information of the user to the historical risk assessment questions.
In yet another illustrated embodiment, the receiving unit is further configured to:
before receiving the risk assessment questionnaire information sent by the risk assessment management platform, receiving the risk assessment prompt sent by the risk assessment management platform, so that the user responds to the risk assessment prompt and executes the operation of agreeing to the risk assessment on a user interface of the client.
In yet another illustrated embodiment, the risk assessment reminder includes reward information displayed at a user interface of the client for risk assessment of the user.
In yet another illustrated embodiment, the sending unit is further configured to send a log file of revision processing of the user for the predicted reply content to the risk assessment management platform, so that the risk assessment management platform generates a risk assessment operation video of the user based on the log file, and stores the risk assessment operation video as a risk assessment archive for the user.
Accordingly, this specification also provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the processor runs the computer program, the risk assessment method executed by the risk assessment management platform according to the above embodiments is executed.
Accordingly, this specification also provides a computer device comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; when the computer program is run, the processor executes the risk assessment method executed by the user client according to the embodiments.
Based on the risk assessment method and the risk assessment device provided by the various embodiments of the present specification, the risk assessment management platform can perform prediction calculation on the business behavior data of the user, so as to obtain the reply content of the user to the risk assessment questions; and when the risk evaluation result of the user stored by the risk evaluation management platform is judged to meet a preset test trigger condition, sending a risk evaluation questionnaire containing the prediction reply content to a client so that the user can quickly confirm or modify the prediction reply content of a certain question in the risk evaluation questionnaire, thereby quickly finishing the risk evaluation of the user and improving the efficiency of the risk evaluation management platform in performing the risk evaluation of the user.
Drawings
FIG. 1 is a schematic flow diagram of a risk assessment method provided by an exemplary embodiment;
FIG. 2 is a schematic diagram of a risk assessment device applied to a risk assessment management platform according to an exemplary embodiment;
FIG. 3 is a schematic diagram of a risk assessment device applied to a user client according to yet another exemplary embodiment;
fig. 4 is a hardware configuration diagram for operating an embodiment of the risk assessment apparatus provided in the present specification.
Detailed Description
Reference will now be made in detail to the exemplary embodiments, examples of which are illustrated in the accompanying drawings. When the following description refers to the accompanying drawings, like numbers in different drawings represent the same or similar elements unless otherwise indicated. The implementations described in the following exemplary embodiments do not represent all implementations consistent with one or more embodiments of the present specification.
It should be noted that: in other embodiments, the steps of the corresponding methods are not necessarily performed in the order shown and described herein. In some other embodiments, the method may include more or fewer steps than those described herein. Moreover, a single step described in this specification may be broken down into multiple steps for description in other embodiments; multiple steps described in this specification may be combined into a single step in other embodiments.
The continuous progress of high and new technologies promotes financial innovation while promoting economic development. Internet finance has played an increasingly important role in everyday life as a product of a combination of finance and technology. The user may manage accounts, make payments, purchase various financial products, etc. over the network.
Financial regulation requires financial institutions to provide products and services after completing investor risk tolerance assessments; for example, the national association of securities investment fund collection institution investors appropriateness management implementation guide (trial implementation), referred to as guide, is formally implemented from 7/1 of 2017, and the core rule is to require that ordinary investors are matched with the risk of fund products or services.
The risk level of the fund product or service is divided into at least five levels of R1, R2, R3, R4 and R5 in the descending order of risk. The corresponding investors are also classified into at least five types, namely C1 (including the category with the lowest risk bearing capacity), C2, C3, C4 and C5 from low to high.
Currently, financial risk assessment of investor users is performed by each organization for conducting assessment questionnaire survey, the problems of questionnaires are more, users are easy to exclude more steps in internet scenes, and meanwhile financial supervision also requires that each organization needs to keep continuously updating user risk assessment capability assessment.
In view of the above problems, one or more embodiments of the present specification provide a risk assessment method applied to a risk assessment system including a risk assessment management platform and a user client.
The risk assessment management platform may include a plurality of service devices, which are configured to perform the following steps of obtaining business behavior data of a user, calculating a predicted response content for a risk assessment question of the user based on the business behavior data of the user, sending the predicted response content, receiving a revised response content of the user, and the like, and the description is not limited thereto. The user client is in communication connection with the risk assessment management platform to jointly execute the risk assessment method in each embodiment of the specification.
As shown in fig. 1, a risk assessment method provided in an exemplary embodiment of the present specification may include the following process steps:
and 102, acquiring the business behavior data of the user by the risk assessment management platform.
The user's business behavior data includes basic data upon which risk assessment calculations for the user are performed, and thus may include any data related to the user's risk assessment, such as data that may include the user's identity information (which may include age, place of birth information), the user's financial business behavior data (which may include the user's consumption data, loan data, insurance data), and so on. Financial risk level predictions that may be affordable by the user, or preferred by the user, may be made based on the user's business behavior data.
The embodiment does not limit the specific way in which the risk assessment management platform acquires the business behavior data of the user. In an illustrated embodiment, the risk assessment management platform may obtain business behavior data of the user from the platform itself, for example, registration data of the user on the risk assessment management platform, historical risk assessment data of the user, where the historical risk assessment data may include business behavior data obtained when the user historically assesses a risk, or response information of the user to a historical risk assessment question, or risk assessment result data obtained when the user historically assesses a risk, and the like.
In an illustrated embodiment, the risk management platform interfaces with a plurality of business servers, and the business servers store business behavior data of the user, for example, an e-business server connected to the risk management platform stores consumption data of the user, a financial server connected to the risk management platform stores loan data of the user, and an insurance business server connected to the risk management platform stores insurance application and claim settlement data of the user.
At this time, the risk management platform can acquire the business behavior data of the user from the plurality of business servers connected with the risk management platform; since the business behavior data generally relates to the individual privacy of the user, the risk management platform needs to obtain the authorization of the user when obtaining the business behavior data of the user from the service servers. The specific authorization process may include: when the risk management platform acquires the service behavior data of the user from a plurality of service servers connected with the risk management platform, the risk management platform or the service servers can send an authorization application to a user client so that the user client can push an authorization request on a human-computer interface of the client, and optionally, the authorization request can also include the type or content of specific service behavior data to be authorized; in response to an authorization operation triggered by a user (for example, clicking an "authorize confirmation" button on a human-computer interface of a client), the client may send authorized confirmation information to the risk management platform or the service server, so that the risk management platform may obtain service behavior data authorized by the user from the service server.
In yet another illustrated embodiment, when the business behavior data acquired by the risk assessment management platform from the risk assessment management platform itself or another business server docked with the risk assessment management platform is still insufficient or still needs to be further confirmed by the user, and it is difficult for the risk assessment management platform to perform the calculation of the prediction response to the risk assessment question as described in the following step 104 based on the acquired business behavior data, the risk assessment management platform may further calculate the business behavior data that needs to be supplemented or confirmed by the user based on the acquired business behavior data, and send a data supplement prompt to the user client, so as to receive the user-supplemented or confirmed business behavior data from the client in response to a data supplement input or data confirmation operation of the user at the client.
For example, the user business behavior data authorized to be obtained by the risk assessment management platform from the business servers interfaced with the risk assessment management platform is generally objective fact data, such as whether the user purchases a financial product, and the index is a determined fact as long as the user purchases funds on a financial application. Another part of the business behavior data can be calculated through model calculation after being acquired, for example, whether the user has children is calculated according to whether the user frequently purchases milk powder on an e-commerce application; the data only has a certain confidence level and needs to be modified or confirmed by a user, so that the risk assessment management platform can acquire more accurate business behavior data corresponding to the user.
And 104, performing prediction calculation on the service behavior data to obtain the prediction response content of the user to the risk assessment question.
The risk assessment management platform can directly use certain business behavior data as answers to certain risk assessment questions (such as the gender of users); the answers of some risk assessment questions can be obtained after statistics or calculation is carried out on some business behavior data (for example, the age of the user is calculated according to the identification card number in the business behavior data, and then the average stock holding duration of the user is calculated according to the transaction record of buying and selling stocks of the user in the business behavior data); or some business behavior data can be used as input of a trained machine learning model, and a prediction answer is obtained according to the output of the model (for example, historical records of various financial assets purchased by a user in the business behavior data and various financial information browsed are input into the trained model to evaluate the familiarity degree of the user on investment).
In an illustrated embodiment, the prediction model includes a machine learning model for predicting the response content of the user to the risk assessment question, and the model can be obtained by performing learning training under a supervised condition by using historical business behavior data of a plurality of users as training samples and using the response result (usually a plurality of fixed options) of the plurality of users to the risk assessment question included in the risk assessment questionnaire historically as sample feature tags.
The risk assessment management platform may input the business behavior data of the user acquired in step 102 as a prediction sample into the trained machine learning model to perform prediction calculation, so as to acquire a prediction calculation result output by the machine learning model, and obtain a prediction response content of the user to a risk assessment question.
And 106, judging whether the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test triggering condition or not.
Since the risk assessment result of the user has a close relationship with the user's age, income, family work, physical health, etc., the acceptable risk level changes correspondingly due to the change of personal status, and thus financial institutions are required to periodically or continuously perform the risk assessment of the user in financial regulation. The risk evaluation result refers to the latest risk evaluation result stored by the risk evaluation management platform for the user on the evaluation date. The risk assessment management platform can set a corresponding validity period for the risk assessment result of the user, and set a corresponding risk assessment test triggering condition based on the supervision requirement or platform requirement so as to periodically or continuously update the financial risk assessment result of the user.
Specifically, the preset test trigger conditions include one or more of the following:
the risk evaluation management platform does not store the risk evaluation result of the user;
the risk evaluation management platform stores the expired risk evaluation result of the user;
the predicted risk evaluation result of the user calculated based on the predicted reply content is inconsistent with the risk evaluation result of the user stored by the risk evaluation management platform.
When the risk assessment management platform monitors that the risk assessment result of the user meets the preset test triggering condition, the risk assessment step for the user can be started as described in the following step 108. It should be noted that, in the present embodiment, the execution sequence of the steps 102 to 104 and the step 106 is not limited: in an illustrated embodiment, the risk assessment management platform may first perform steps 102 to 104, for example, periodically obtain business behavior data of a user based on a monitoring period preset by the risk assessment management platform, and perform prediction calculation on the business behavior data to obtain a prediction response content of the user to a risk assessment question; and step 106 is executed, and when the risk evaluation result of the user is judged to be inconsistent with the predicted risk evaluation result of the user calculated based on the predicted reply content, the risk evaluation can be further executed to the user client.
In another illustrated embodiment, the risk assessment management platform may first execute step 106, and when it is determined that the risk assessment management platform does not store the risk assessment result of the user, or that the risk assessment result of the user stored by the risk assessment management platform is expired, may trigger steps 102 to 104 to obtain business behavior data of the user, perform prediction calculation on the business behavior data to obtain a prediction response content of the user to the risk assessment question, thereby further executing the risk assessment to the user client.
And 108, when the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test trigger condition, the risk evaluation management platform can send the risk evaluation questionnaire information containing the evaluation question and the prediction reply content to a client corresponding to the user.
And step 110, the user corresponding to the client receives the risk assessment questionnaire information sent by the risk assessment management platform, and pushes the risk assessment questionnaire information to a user interface of the client, so that the user revises the reply content based on the assessment question.
The revision process of the response content by the user based on the evaluation question may include modifying inaccurate predicted response content by the user, or confirming accurate predicted response content by the user. For example, the client displays the risk assessment questionnaire information on the user interface, the user can browse and examine the predicted reply content to the assessment question, when the inaccurate predicted reply content is found, the user can perform modification operation (input or select the correct reply content) on the user interface, and click a "confirm", "complete" or "submit" button after browsing and examining, so as to confirm other predicted reply contents included in the risk assessment questionnaire.
And the risk assessment questionnaire information containing the predicted response content is sent to the client side for revision processing by the user, so that the risk assessment questionnaire time of the user is saved, and the answer willingness of the user is improved. And the predicted response content generated by the business behavior data of the user avoids wrong answer caused by wrong memory or improper operation of the user, and improves the accuracy of risk evaluation.
And step 112, the client sends the response content of the user after revising the predicted response content to the risk assessment management platform.
Step 114, the risk assessment management platform receives the revised reply content sent by the client and performs risk assessment calculation on the user based on the revised reply content to obtain the latest risk assessment result corresponding to the user.
The calculation process of the risk evaluation result usually carries out multi-dimensional characteristic value calculation on the basis of the collected response content of the risk evaluation question of the user according to a risk evaluation model; and further taking the multi-dimensional characteristic value of the user as the input of a risk evaluation model, wherein the output of the risk evaluation model is the risk evaluation result of the user.
In an illustrated embodiment, a predetermined weight is set for the risk model characteristic value of each dimension in the risk assessment model, and a set score is set for different value intervals of each risk model characteristic value; when the risk model characteristic value of a certain user is input, the score of the risk model characteristic value is obtained according to the value interval where the certain risk model characteristic value of the user is located, and the weighted sum of the scores of the risk model characteristic values is used as the risk evaluation result of the user.
The risk evaluation result can be a single evaluation result, or can comprise evaluation results of two or more different aspects of the user, and the evaluation result of each aspect can be obtained based on different risk models by taking part or all of the characteristic values of the risk models as input.
In some application scenarios, the risk model characteristic values can be divided into a plurality of characteristic categories according to factors such as characteristics and purposes of the risk model characteristic values, and the risk model characteristic values of different categories can be used for generating evaluation results in different aspects. For example, the risk model feature values include at least one of the following feature categories: identity information, property status, personal preferences; wherein the identity information category comprises at least one of the following risk model characteristic values: age, gender, education, family structure; the property condition categories include at least one of the following risk model characteristic values: financial assets, non-financial assets, credit card amounts, consumption levels, income levels, travel conditions, liability levels, occupation and insurance conditions, repayment conditions; when the user has investment behavior, the personal preference category comprises at least one of the following risk model characteristic values: the duration of holding financial assets, the information browsing extent before purchasing the financial assets, the information browsing depth before purchasing the financial assets, the speaking condition of an investment community, the use times of investment services, the number of credit cards, the payment times of public utilities and the donation times; when the user has no investment behavior, the personal preferences include at least one of the following risk model characteristic values: interest in investments in financial assets, activity level of financial transactions, interest in investments in non-financial assets, number of credit cards, number of utility payments, number of donations.
The risk assessment results in the above embodiments include two aspects: the system comprises a risk tolerance evaluation result and a preference evaluation result, wherein the risk tolerance evaluation result is generated according to at least one risk model characteristic value belonging to the identity information category and at least one risk model characteristic value belonging to the property condition category; the preference evaluation result is generated according to at least one risk model characteristic value belonging to the identity information category and at least one risk model characteristic value belonging to the personal preference category.
Therefore, in the embodiment, two systems of objective facts and subjective cognition are abstracted from a risk assessment scene, and a set of dynamic user investment risk assessment model combining subjectivity and objectivity is abstracted, so that a more flexible and scientific user financial risk assessment method is provided.
In one or more embodiments, the service content that can be provided by the risk assessment management platform in the information interaction process between the risk assessment management platform and the user client described in steps 108 to 114 may be packaged as an SDK to be embedded into various business applications (including but not limited to mobile App, applet, computer App, and web service) that need to perform user risk assessment, such as various applications for fund or stock trading, so as to flexibly provide the risk assessment service for the user for the various business applications.
In another illustrated embodiment, when the risk assessment management platform determines that the current risk assessment result meets the preset test trigger condition in step 106, before performing step 108, the risk assessment management platform may initiate a risk assessment prompt to the user client, so that the user responds to the risk assessment prompt and performs an operation of agreeing to perform risk assessment on a user interface of the client.
The risk assessment management platform can execute the risk assessment reminding in multiple channels, including short message reminding, customer service telephone reminding and reminding in an application program with a risk assessment function, for example, reminding on a user interface of the application program embedded with the risk assessment service SDK. The user performing, at the user interface of the client, an operation of agreeing to risk assessment in response to the risk assessment prompt may include: clicking the risk assessment prompting message, clicking a button for agreeing to carry out risk assessment, clicking a link contained in the risk assessment prompting message, and the like; when the risk assessment management platform receives a message sent by the client that the user agrees to perform risk assessment, the risk assessment management platform may be triggered to execute step 108, and risk assessment questionnaire information including the assessment question and the prediction reply content is sent to the client corresponding to the user.
In another illustrated embodiment, the reminding information of the risk assessment questionnaire includes reward information pushed on a user interface of the client for risk assessment of the user, so that the user clicks the reward information for interest in the reward information, the risk assessment management platform is triggered to execute step 108, the risk assessment questionnaire information including the assessment topic and the predicted response content is sent to the client corresponding to the user, and the user is rewarded after the user completes revision processing of the predicted response content included in the risk assessment questionnaire information.
In another illustrated embodiment, the client (for example, the SDK module) may send a log that a user revises the response content based on the evaluation question to the risk evaluation management platform, and the risk management platform may record and synthesize a risk evaluation operation video of the user based on the log, so as to store the operation video as a risk evaluation archive of the user, so as to support a requirement of the user on future retrospective rating, and a requirement of a regulatory agency inquiring whether a risk evaluation answer sheet process of the user is compliant.
By the risk assessment method provided by one or more embodiments, the risk assessment management platform can acquire the business behavior data of the user in real time or periodically or based on a preset trigger condition, and predict the response content of the user to the risk assessment questions, so that the timeliness and the accuracy of the predicted response content are ensured; when the risk evaluation result stored by the risk evaluation management platform meets the preset test triggering condition, the risk evaluation management platform can actively prompt the user to carry out risk evaluation, and enables the user to revise based on more accurate prediction response content, so that the efficiency of the user for carrying out risk evaluation question response is improved.
Corresponding to the implementation of the above flow, the embodiments of the present specification further provide risk assessment devices 20 and 30. The means 20 and 30 may be implemented by software, by hardware or by a combination of software and hardware. Taking a software implementation as an example, the logical device is formed by reading a corresponding computer program instruction into a memory for running through a Central Processing Unit (CPU) of the device. In terms of hardware, the device in which the apparatus is located generally includes other hardware such as a chip for transmitting and receiving wireless signals and/or other hardware such as a board for implementing a network communication function, in addition to the CPU, the memory, and the storage shown in fig. 4.
As shown in fig. 2, the present specification further provides a risk assessment device 20 applied to a risk assessment management platform, including:
the prediction unit 202 is used for performing prediction calculation on business behavior data of a user to obtain the prediction response content of the user to a risk assessment question;
the judging unit 204 is used for judging whether the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test triggering condition or not;
a sending unit 206, configured to send risk assessment questionnaire information including the assessment question and the predicted response content to a client corresponding to the user, so that the user revises the response content based on the assessment question;
a receiving unit 208, which receives the revised reply content sent by the client;
and the calculating unit 210 is used for performing risk evaluation calculation on the user based on the revised reply content to obtain a risk evaluation result of the user.
In yet another illustrated embodiment, the preset test trigger conditions include one or more of the following:
the risk evaluation management platform does not store the risk evaluation result of the user;
the risk evaluation management platform stores the expired risk evaluation result of the user;
the predicted risk evaluation result of the user calculated based on the predicted reply content is inconsistent with the risk evaluation result of the user stored by the risk evaluation management platform.
In yet another illustrated embodiment, the sending unit 206 is further configured to:
and sending a risk assessment prompt to the user client before sending the risk assessment questionnaire information containing the assessment questions and the predicted reply content to the client corresponding to the user, so that the user responds to the risk assessment prompt and executes the operation of agreeing to carry out risk assessment on a user interface of the client.
In yet another illustrated embodiment, the business behavior data of the user includes answer information of the user to the historical risk assessment questions.
In yet another illustrated embodiment, the prediction unit 202 is further configured to:
taking the business behavior data of the user as a prediction sample, and inputting the trained machine learning model for predicting the response of the user to the risk assessment question to perform prediction calculation;
and obtaining a prediction calculation result output by the machine learning model to obtain the prediction response content of the user to the risk evaluation question.
In yet another illustrated embodiment, the computing unit 210 is further configured to:
calculating a plurality of feature values corresponding to the user based on the revised reply content;
and inputting the characteristic values into a risk evaluation calculation model to obtain a risk evaluation result of the user.
In yet another illustrated embodiment, the receiving unit 208 is further configured to:
receiving a log file sent by the client and used for revising the reply content by the user, generating a risk assessment operation video of the user based on the log file, and storing the risk assessment operation video as a risk assessment archive aiming at the user.
The implementation processes of the functions and actions of each unit in the device 20 are specifically described in the implementation processes of the corresponding steps in the risk assessment method executed by the risk assessment management platform, and relevant points may be referred to part of the description of the method embodiment, which is not described herein again.
As shown in fig. 3, the present specification further provides a risk assessment apparatus 30 applied to a client corresponding to a user, including:
a receiving unit 302, configured to receive risk assessment questionnaire information sent by a risk assessment management platform, where the risk assessment questionnaire information includes an assessment question and a prediction reply content to the assessment question, and the prediction reply content is obtained by performing prediction calculation on business behavior data of the user by the risk assessment management platform;
a pushing unit 304, configured to push the risk assessment questionnaire information to a user interface of the client, so that the user revises the response content based on the assessment question;
the sending unit 306 is configured to send the reply content revised by the user on the reply content to the risk assessment management platform, so that the risk assessment management platform performs risk assessment calculation on the user based on the revised reply content to obtain a risk assessment result of the user.
In yet another illustrated embodiment, the business behavior data of the user includes answer information of the user to the historical risk assessment questions.
In yet another illustrated embodiment, the receiving unit 302 is further configured to:
before receiving the risk assessment questionnaire information sent by the risk assessment management platform, receiving the risk assessment prompt sent by the risk assessment management platform, so that the user responds to the risk assessment prompt and executes the operation of agreeing to the risk assessment on a user interface of the client.
In yet another illustrated embodiment, the risk assessment reminder includes reward information displayed at a user interface of the client for risk assessment of the user.
In yet another illustrated embodiment, the sending unit 306 is further configured to send a log file of revision processing performed by the user on the predicted reply content to the risk assessment management platform, so that the risk assessment management platform generates a risk assessment operation video of the user based on the log file, and stores the risk assessment operation video as a risk assessment archive for the user.
The implementation processes of the functions and actions of each unit in the device 30 are specifically described in the implementation processes of the corresponding steps in the risk assessment method executed by the user client, and related points may be referred to the partial description of the method embodiment, which is not described herein again.
The above-described embodiments of the apparatus are merely illustrative, and the units described as separate parts may or may not be physically separate, and parts displayed as units may or may not be physical modules, may be located in one place, or may be distributed on a plurality of network modules. Some or all of the units or modules can be selected according to actual needs to achieve the purpose of the solution in the specification. One of ordinary skill in the art can understand and implement it without inventive effort.
The apparatuses, units and modules illustrated in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.
Corresponding to the above method embodiments, embodiments of the present specification further provide a computer device, as shown in fig. 4, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when running the stored computer program, performs the steps of the risk assessment method performed by the risk assessment management platform in the embodiments of the present description. For a detailed description of each step of the risk assessment method executed by the risk assessment management platform, please refer to the previous contents, which are not repeated.
Corresponding to the above method embodiments, embodiments of the present specification further provide a computer device, as shown in fig. 4, including a memory and a processor. Wherein the memory has stored thereon a computer program executable by the processor; the processor, when executing the stored computer program, performs the steps of the risk assessment method performed by the user client in the embodiments of the present specification. For a detailed description of each step of the risk assessment method executed by the user client, please refer to the previous contents, which are not repeated.
The above description is only a preferred embodiment of the present disclosure, and should not be taken as limiting the present disclosure, and any modifications, equivalents, improvements, etc. made within the spirit and principle of the present disclosure should be included in the scope of the present disclosure.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory.
The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). Memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data.
Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, system, or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present description may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and so forth) having computer-usable program code embodied therein.
Claims (26)
1. A risk assessment method is applied to a risk assessment management platform and comprises the following steps:
performing prediction calculation aiming at business behavior data of a user to obtain the prediction response content of the user to a risk evaluation question;
judging whether the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test triggering condition or not;
if so, sending risk assessment questionnaire information containing the assessment questions and the predicted reply content to a client corresponding to the user, so that the user revises the reply content based on the assessment questions;
receiving the revised reply content of the user sent by the client, and performing risk evaluation calculation on the user based on the revised reply content to obtain a risk evaluation result of the user.
2. The method of claim 1, the preset test trigger conditions comprising one or more of:
the risk evaluation management platform does not store the risk evaluation result of the user;
the risk evaluation management platform stores the expired risk evaluation result of the user;
the predicted risk evaluation result of the user calculated based on the predicted reply content is inconsistent with the risk evaluation result of the user stored by the risk evaluation management platform.
3. The method according to claim 1 or 2, before sending risk assessment questionnaire information including the assessment questions and the predicted response content to the client corresponding to the user, further comprising:
and sending a risk assessment prompt to the user client so that the user responds to the risk assessment prompt and executes an operation of agreeing to carry out risk assessment on a user interface of the client.
4. The method of claim 1, wherein the user's business behavior data comprises the user's answer information to historical risk assessment topics.
5. The method according to claim 1, wherein the performing prediction calculation on the business behavior data of the user to obtain the predicted response content of the user to the risk assessment topic comprises:
taking the business behavior data of the user as a prediction sample, and inputting the trained machine learning model for predicting the response of the user to the risk assessment question to perform prediction calculation;
and obtaining a prediction calculation result output by the machine learning model to obtain the prediction response content of the user to the risk evaluation question.
6. The method according to claim 1 or 5, wherein said risk assessment of said user based on said revised reply content, resulting in a risk assessment result of said user, comprises:
calculating a plurality of feature values corresponding to the user based on the revised reply content;
and inputting the characteristic values into a risk evaluation calculation model to obtain a risk evaluation result of the user.
7. The method of claim 1, further comprising:
receiving a log file sent by the client and used for revision processing of the reply content by the user;
and generating a risk assessment operation video of the user based on the log file, and storing the risk assessment operation video as a risk assessment archive for the user.
8. A risk assessment method is applied to a client corresponding to a user and comprises the following steps:
receiving risk evaluation questionnaire information sent by a risk evaluation management platform, wherein the risk evaluation questionnaire information comprises an evaluation question and a prediction reply content to the evaluation question, and the prediction reply content is obtained by performing prediction calculation on the business behavior data of the user by the risk evaluation management platform;
pushing the risk assessment questionnaire information to a user interface of the client so that the user revises the response content based on the assessment questions;
and sending the reply content revised by the user on the reply content to the risk assessment management platform, so that the risk assessment management platform performs risk assessment calculation on the user on the basis of the revised reply content to obtain a risk assessment result of the user.
9. The method of claim 8, wherein the user's business behavior data comprises the user's answer information to historical risk assessment questions.
10. The method according to claim 8 or 9, further comprising, before receiving the risk assessment questionnaire information sent by the risk assessment management platform:
and receiving a risk assessment prompt sent by the risk assessment management platform so that the user responds to the risk assessment prompt and executes the operation of agreeing to carry out the risk assessment on a user interface of the client.
11. The method of claim 10, the risk assessment reminder comprising reward information displayed at a user interface of the client for risk assessment of a user.
12. The method of claim 8, further comprising:
and sending a log file which is revised by the user according to the predicted reply content to the risk assessment management platform, so that the risk management platform generates a risk assessment operation video of the user based on the log file, and stores the risk assessment operation video as a risk assessment archive aiming at the user.
13. A risk assessment device is applied to risk assessment management platform, includes:
the prediction unit is used for carrying out prediction calculation on the business behavior data of the user to obtain the prediction response content of the user to the risk assessment question;
the judgment unit is used for judging whether the risk evaluation result of the user stored by the risk evaluation management platform meets a preset test trigger condition or not;
a sending unit, configured to send risk assessment questionnaire information including the assessment question and the predicted reply content to a client corresponding to the user, so that the user revises the reply content based on the assessment question;
the receiving unit is used for receiving the revised reply content of the user sent by the client;
and the calculating unit is used for carrying out risk evaluation calculation on the user based on the revised reply content to obtain a risk evaluation result of the user.
14. The apparatus of claim 13, the preset test trigger conditions comprising one or more of:
the risk evaluation management platform does not store the risk evaluation result of the user;
the risk evaluation management platform stores the expired risk evaluation result of the user;
the predicted risk evaluation result of the user calculated based on the predicted reply content is inconsistent with the risk evaluation result of the user stored by the risk evaluation management platform.
15. The apparatus of claim 13 or 14, the sending unit further configured to:
and sending a risk assessment prompt to the user client before sending the risk assessment questionnaire information containing the assessment questions and the predicted reply content to the client corresponding to the user, so that the user responds to the risk assessment prompt and executes the operation of agreeing to carry out risk assessment on a user interface of the client.
16. The apparatus of claim 13, wherein the user's business behavior data comprises the user's answer information to historical risk assessment topics.
17. The apparatus of claim 13, the prediction unit to further:
taking the business behavior data of the user as a prediction sample, and inputting the trained machine learning model for predicting the response of the user to the risk assessment question to perform prediction calculation;
and obtaining a prediction calculation result output by the machine learning model to obtain the prediction response content of the user to the risk evaluation question.
18. The apparatus of claim 13 or 17, the computing unit to further:
calculating a plurality of feature values corresponding to the user based on the revised reply content;
and inputting the characteristic values into a risk evaluation calculation model to obtain a risk evaluation result of the user.
19. The apparatus of claim 13, the receiving unit further configured to:
receiving a log file sent by the client and used for revising the reply content by the user, generating a risk assessment operation video of the user based on the log file, and storing the risk assessment operation video as a risk assessment archive aiming at the user.
20. A risk assessment device is applied to a client corresponding to a user, and comprises:
the risk assessment management platform comprises a receiving unit, a processing unit and a processing unit, wherein the receiving unit is used for receiving risk assessment questionnaire information sent by a risk assessment management platform, the risk assessment questionnaire information comprises an assessment question and prediction reply content of the assessment question, and the prediction reply content is obtained by performing prediction calculation on the business behavior data of the user by the risk assessment management platform;
the pushing unit is used for pushing the risk assessment questionnaire information to a user interface of the client so as to revise the reply content based on the assessment question by the user;
and the sending unit is used for sending the reply content which is revised by the user on the reply content to the risk assessment management platform so that the risk assessment management platform carries out risk assessment calculation on the user on the basis of the revised reply content to obtain a risk assessment result of the user.
21. The apparatus of claim 20, the user's business behavior data comprises the user's answer information to historical risk assessment topics.
22. The apparatus of claim 20 or 21, the receiving unit further configured to:
before receiving the risk assessment questionnaire information sent by the risk assessment management platform, receiving the risk assessment prompt sent by the risk assessment management platform, so that the user responds to the risk assessment prompt and executes the operation of agreeing to the risk assessment on a user interface of the client.
23. The apparatus of claim 22, the risk assessment reminder comprising reward information displayed at a user interface of the client for risk assessment of a user.
24. The apparatus according to claim 20, wherein the sending unit is further configured to send a log file of revision processing of the user for the predicted reply content to the risk assessment management platform, so that the risk assessment management platform generates a risk assessment operation video of the user based on the log file, and stores the risk assessment operation video as a risk assessment archive for the user.
25. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the method of any of claims 1 to 7.
26. A computer device, comprising: a memory and a processor; the memory having stored thereon a computer program executable by the processor; the processor, when executing the computer program, performs the method of any of claims 8 to 12.
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