Method for determining risk preference of user, information recommendation method, and apparatus
AssigneeAlibaba Group Holding Limited
InventorsFan YANG, Xin FU
Life of this patent
Estimating the term…
Abstract
Methods, systems, and apparatus, including computer programs encoded on computer storage media, for determining risk preference are provided. One of the methods includes: obtaining user data generated during a risk-related transaction of a user; determining a characteristic value of the user under each variable in a plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user; and inputting the characteristic value of the user under each variable into a risk preference model to determine an output of the risk preference model as a risk preference index indicating a level of the risk preference of the user.
Claims20
A method for determining risk preference, comprising:
- obtaining user data generated during a risk-related transaction of a user;
- determining a characteristic value of the user under each variable in a plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user;
- and
- inputting the characteristic value of the user under each variable into a risk preference model to determine an output of the risk preference model as a risk preference index indicating a level of the risk preference of the user.
A system for determining risk preference, comprising one or more processors and one or more non-transitory computer-readable memories coupled to the one or more processors and configured with instructions executable by the one or more processors to cause the system to perform operations comprising:
- obtaining user data generated during a risk-related transaction of a user;
- determining a characteristic value of the user under each variable in a plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user;
- and
- inputting the characteristic value of the user under each variable into a risk preference model to determine an output of the risk preference model as a risk preference index indicating a level of the risk preference of the user.
A non-transitory computer-readable storage medium for determining a risk level of a user, the storage medium configured with instructions executable by one or more processors to cause the one or more processors to perform operations comprising:
- obtaining user data generated during a risk-related transaction of a user;
- determining a characteristic value of the user under each variable in a plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user;
- and
- inputting the characteristic value of the user under each variable into a risk preference model to determine an output of the risk preference model as a risk preference index indicating a level of the risk preference of the user.
Dependencies are inferred from the claim text.