Advanced New Technologies Co., Ltd.

Alipay (Hangzhou) Information Technology Co., Ltd.

Dapeng Fu

Wenbiao Zhao

Hong Jin

Zhigang Hua

Feng Qi

Shuang Yang

Gan Liu

One embodiment of the present disclosure provides a system and method for determining a decision-making strategy. During operation, the system can obtain sample data corresponding to a service. The system can pre-determine, based on the sample data and the service, a basic parametric shape model and can generate a plurality of shape parameters for the basic parametric shape mode. The system can then generate one or more parametric shape models with different shapes based on the plurality of shape parameters. The system can determine goodness-of-fit of the one or more parametric shape models with respect to a pre-defined decision-making strategy. Next, the system can in response to determining that the goodness-of-fit of at least one parametric shape model satisfies a set of objectives, outputting the at least one parametric shape model as an optimum decision-making strategy for the service.

System and method for determining a decision-making strategy

One embodiment provides an identification method and system. The system obtains attribute features of a user, determines a first set of identification products and identification success rates thereof based on the attribute features of the user and a first machine-learning model for determining identification security, and generates a first set of identification product combinations, a respective identification product combination comprising two different identification products. The system selects, from the first set of identification product combinations, a second set of identification product combinations based on the identification success rates of the first set of identification products; and selects, from the second set of identification product combinations, a third set of identification product combinations based on the attribute features of the user and a second machine-learning model for determining identification applicability, thereby facilitating identification of the user using at least one of the third set of the identification product combinations.

Identification method and apparatus

Methods, systems, and apparatus, including computer programs encoded on computer storage media, for evaluating risk are provided. One of the methods includes: obtaining a plurality of transactions each comprising a plurality of data dimensions, wherein some of the plurality of transactions are labeled as risky transactions and some of the plurality of transactions are labeled as safe transactions; obtaining at least one of the plurality of data dimensions as an output space and the plurality of data dimensions other than the at least one data dimension as an input space; initializing a first mapping from the input space to a latent space and a second mapping from the latent space to the output space, wherein the first mapping comprises mapping the input space to the latent space according to an inverse of a generalized linear model; and optimizing the first mapping and the second mapping to generate a Bezier surface.

System and method for evaluating risk

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Hangzhou, China

Dapeng Fu