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1. (WO2018014593) BIG DATA-BASED RISK PREDICTION METHOD, APPARATUS, SERVER AND STORAGE MEDIUM
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Pub. No.: WO/2018/014593 International Application No.: PCT/CN2017/079529
Publication Date: 25.01.2018 International Filing Date: 06.04.2017
IPC:
H04L 9/32 (2006.01) ,G06Q 20/40 (2012.01)
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
L
TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9
Arrangements for secret or secure communication
32
including means for verifying the identity or authority of a user of the system
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
38
Payment protocols; Details thereof
40
Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check of credit lines or negative lists
Applicants:
平安科技(深圳)有限公司 PING AN TECHNOLOGY(SHENZHEN)CO.,LTD. [CN/CN]; 中国广东省深圳市 福田区八卦岭八卦三路平安大厦 Ping An Building, No.3 Bagua.Road, Bagualing, Futian District Shenzhen, Guangdong 518000, CN
Inventors:
秦铭雪 QIN, Mingxue; CN
Agent:
广州华进联合专利商标代理有限公司 ADVANCE CHINA IP LAW OFFICE; 中国广东省广州市 天河区花城大道85号3901房 Room 3901, No. 85 Huacheng Avenue, Tianhe District Guangzhou, Guangdong 510623, CN
Priority Data:
201610578798.720.07.2016CN
Title (EN) BIG DATA-BASED RISK PREDICTION METHOD, APPARATUS, SERVER AND STORAGE MEDIUM
(FR) PROCÉDÉ DE PRÉDICTION DE RISQUE À BASE DE DONNÉES MASSIVES, APPAREIL, SERVEUR ET SUPPORT DE STOCKAGE
(ZH) 基于大数据的风险预测方法、装置、服务器及存储介质
Abstract:
(EN) A big data-based risk prediction method, comprising: acquiring voice information of a user (202); determining voiceprint information of the user according to the voice information (204); extracting voiceprint features from the voiceprint information (206); determining, according to the voiceprint features, a risk value corresponding to the voiceprint features (208); and performing a corresponding prevention operation according to the risk value (210).
(FR) L’invention concerne un procédé de prédiction de risque à base de données massives comportant les étapes consistant à : acquérir des informations vocales d'un utilisateur (202) ; déterminer des informations d'empreinte vocale de l'utilisateur en fonction des informations vocales (204) ; extraire des caractéristiques d'empreinte vocale à partir des informations d'empreinte vocale (206) ; déterminer, en fonction des caractéristiques d'empreinte vocale, une valeur de risque correspondant aux caractéristiques d'empreinte vocale (208) ; et effectuer une opération de prévention correspondante en fonction de la valeur de risque (210).
(ZH) 一种基于大数据的风险预测方法包括:获取用户的语音信息(202),根据所述语音信息确定用户的声纹信息(204),提取所述声纹信息中的声纹特征(206),根据所述声纹特征确定与所述声纹特征对应的风险数值(208),根据所述风险数值进行相应的预防操作(210)。
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Designated States: AE, AG, AL, AM, AO, AT, AU, AZ, BA, BB, BG, BH, BN, BR, BW, BY, BZ, CA, CH, CL, CN, CO, CR, CU, CZ, DE, DJ, DK, DM, DO, DZ, EC, EE, EG, ES, FI, GB, GD, GE, GH, GM, GT, HN, HR, HU, ID, IL, IN, IR, IS, JP, KE, KG, KH, KN, KP, KR, KW, KZ, LA, LC, LK, LR, LS, LU, LY, MA, MD, ME, MG, MK, MN, MW, MX, MY, MZ, NA, NG, NI, NO, NZ, OM, PA, PE, PG, PH, PL, PT, QA, RO, RS, RU, RW, SA, SC, SD, SE, SG, SK, SL, SM, ST, SV, SY, TH, TJ, TM, TN, TR, TT, TZ, UA, UG, US, UZ, VC, VN, ZA, ZM, ZW
African Regional Intellectual Property Organization (ARIPO) (BW, GH, GM, KE, LR, LS, MW, MZ, NA, RW, SD, SL, ST, SZ, TZ, UG, ZM, ZW)
Eurasian Patent Office (AM, AZ, BY, KG, KZ, RU, TJ, TM)
European Patent Office (EPO) (AL, AT, BE, BG, CH, CY, CZ, DE, DK, EE, ES, FI, FR, GB, GR, HR, HU, IE, IS, IT, LT, LU, LV, MC, MK, MT, NL, NO, PL, PT, RO, RS, SE, SI, SK, SM, TR)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, KM, ML, MR, NE, SN, TD, TG)
Publication Language: Chinese (ZH)
Filing Language: Chinese (ZH)