Data collection method and apparatus for risk evaluation, and electronic device
AssigneeAlibaba Group Holding Limited
InventorsFan YANG, Xin FU
Life of this patent
Estimating the term…
Abstract
A method and an apparatus for risk evaluation are disclosed. The method includes: obtaining a set of data types of data to be collected; obtaining, from historical data of the target user collected from historical transactions, data corresponding to one or more of the data types; pushing, to a computing device associated with the target user, a question corresponding to a data type not obtained from the historical data; receiving an answer to the question from the computing device; and determining the obtained data and the received answer as data for risk evaluation of the target user.
Claims20
A risk evaluation method, comprising:
- obtaining a set of data types of data to be collected associated with a target user;
- obtaining, from historical data of the target user collected from historical transactions, data corresponding to one or more of the data types;
- pushing, to a computing device associated with the target user, a question corresponding to a data type not obtained from the historical data;
- receiving an answer to the question from the computing device;
- and
- determining the obtained data and the received answer as data for risk evaluation of the target user.
A risk evaluation system, 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 a set of data types of data to be collected associated with a target user;
- obtaining, from historical data of the target user collected from historical transactions, data corresponding to one or more of the data types;
- pushing, to a computing device associated with the target user, a question corresponding to a data type not obtained from the historical data;
- receiving an answer to the question from the computing device;
- and
- determining the obtained data and the received answer as data for risk evaluation of the target user.
A non-transitory computer-readable storage medium for risk evaluation, the storage medium configured with instructions executable by one or more processors to cause the one or more processors to perform operations comprising:
- obtaining a set of data types of data to be collected associated with a target user
- obtaining, from historical data of the target user collected from historical transactions, data corresponding to one or more of the data types;
- pushing, to a computing device associated with the target user, a question corresponding to a data type not obtained from the historical data;
- receiving an answer to the question from the computing device;
- and
- determining the obtained data and the received answer as data for risk evaluation of the target user.
Dependencies are inferred from the claim text.