天眼查App显示,2025-10-31,“用于确定用户风险等级的方法、装置、设备以及介质”正式进入公布阶段。申请人为中国农业银行股份有限公司,该项金融科技专利涉及金融风控场景下的用户异常行为识别与风险等级评估。据专利信息显示,该技术方案通过获取目标用户在第一预设时长内的交易关联数据,并结合蒙特卡洛采样方法对多个异常判别函数进行多次采样,基于采样数据与交易关联数据协同分析,显著优化了异常信息的判定...
Source Link天眼查App显示,2025-10-31,“用于确定用户风险等级的方法、装置、设备以及介质”正式进入公布阶段。申请人为中国农业银行股份有限公司,该项金融科技专利涉及金融风控场景下的用户异常行为识别与风险等级评估。据专利信息显示,该技术方案通过获取目标用户在第一预设时长内的交易关联数据,并结合蒙特卡洛采样方法对多个异常判别函数进行多次采样,基于采样数据与交易关联数据协同分析,显著优化了异常信息的判定...
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