Bank account opening risk control method and system

A risk, banking technology, applied in data processing applications, finance, instruments, etc., can solve problems such as unavailability of customer portraits, and achieve the effect of digital risk control and security.

Pending Publication Date: 2022-07-22
BANK OF CHINA
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

Since the customer has no transaction data available at the bank when opening an account, traditional methods such as customer portraits are not available, and the current business process is still difficult to timely and accurately discover the abnormal risk of account opening

Method used

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Examples

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Embodiment Construction

[0042] The principles and spirit of the present invention will now be described with reference to several exemplary embodiments. It should be understood that these embodiments are only given for those skilled in the art to better understand and implement the present invention, but not to limit the scope of the present invention in any way. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the scope of the disclosure to those skilled in the art.

[0043] As will be appreciated by those skilled in the art, embodiments of the present invention may be implemented as a system, apparatus, device, method or computer program product. Accordingly, the present disclosure may be embodied in entirely hardware, entirely software (including firmware, resident software, microcode, etc.), or a combination of hardware and software.

[0044] According to an embodiment of the present invention, a risk control method and system fo...

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PUM

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Abstract

The invention provides a risk control method and system for bank account opening, and relates to the technical field of financial data processing, and the method comprises the steps: carrying out the classification of a customer set of a bank, and obtaining a plurality of customer categories; determining a risk category vector of the customer category; determining a risk category vector of each biological feature recognition mode; determining a biological feature recognition mode corresponding to the customer category; determining an abnormal distance vector corresponding to each account opening data; clustering the historical account opening data to obtain a plurality of historical account opening data subsets; determining a threshold value of the historical account opening data subset corresponding to each biological feature recognition mode; when a new customer opens an account in a bank, determining a customer category to which the new customer belongs and a corresponding abnormal distance vector according to customer information filled by the new customer; and determining a biological feature recognition mode and a corresponding threshold value when the new customer opens the account in the bank, and performing identity verification on the new customer by using the biological feature recognition mode and the corresponding threshold value.

Description

technical field [0001] The invention relates to the technical field of financial data processing, in particular to a risk control method and system for bank account opening. Background technique [0002] This section is intended to provide a background or context to the embodiments of the invention recited in the claims. The descriptions herein are not admitted to be prior art by inclusion in this section. [0003] In the process of business processing in the banking system, there are situations in which the identity of others is used to open accounts and the accounts of others are used to do illegal things, which brings risks to both banks and customers. When opening an account, the customer has no transaction data available in the bank, so traditional methods such as customer profiling are not available, and the current business process is still difficult to detect abnormal risks of account opening in a timely and accurate manner. [0004] To sum up, there is an urgent n...

Claims

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Application Information

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Patent Type & Authority Applications(China)
IPC IPC(8): G06Q40/04G06Q40/02G06K9/62G06F21/32
CPCG06Q40/04G06Q40/02G06F21/32G06F18/23
Inventor 朱江波
Owner BANK OF CHINA
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