Advanced New Technologies Co., Ltd.

Alibaba Group Holding Limited

Lujia Chen

Weiqiang Wang

Licui Gao

Wenbiao Zhao

Qingyue Zhou

Xiaoxi Ji

Liang Guo

Methods and apparatus, including computer programs encoded on computer storage media, for monitoring resource transfer are provided. One of the methods includes: by a server, receiving a resource deposit request from a resource deposit initiator; performing, using a first risk identification model, a first risk identification on the target account according to the resource deposit request to obtain a first risk identification result; receiving a resource withdrawal request from a resource withdrawal initiator, and the resource withdrawal request requesting a resource withdrawal from the target account to the recipient account; performing, using a second risk identification model, a second risk identification on the target account according to the resource withdrawal request to obtain a second risk identification result; and determining, using a third risk identification model, a resource transfer risk monitoring result of the target account according to the first risk identification result and the second risk identification result.

Resource transferring monitoring method and device

A model integration method and device are provided. The method includes: obtaining an integrated model, the integrated model having one integrated output value and a plurality of input values, the plurality of input values corresponding to a plurality of output values of a plurality of independent models; performing one or more iterations of optimizing process until a preset iteration stop condition is satisfied: acquiring a prediction output by the integrated model based on a preset test event set; determining an index value of the integrated model based on the prediction output, the index value indicates a performance evaluation of the integrated model; if the index value fails to meet a preset performance requirement; after the preset iteration stop condition is satisfied, determining the integrated model as acceptable.

Model integration method and device

Methods, systems, and computer-readable storage media for risk identification of service data using operations of determining, by a client-side computing device, a first service data corresponding to a first operation behavior associated with a user input on the client-side computing device, determining, by the client-side computing device, a first variable corresponding to the first service data, the first variable including a first eigenvalue, retrieving, by the client-side computing device, a second eigenvalue corresponding to a second operation behavior that was performed at a second time before the first operation behavior, generating, by the client-side computing device, a decay value by processing the first time and the second time a decay function, generating, by the client-side computing device, an aggregated data by processing the first variable, the second eigenvalue, and the decay value using an aggregation function, and determining, by the one or more processors, a risk associated with the first operation by processing the aggregated data using a risk identification model.

Aggregating service data for transmission and risk analysis

Growing community of inventors

Hangzhou, China

Lujia Chen