Method for determining risk preference of user, information recommendation method, and apparatus
First Claim
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1. A method, comprising:
- training a risk preference model by;
selecting a plurality of sample users according to actual behavior of the plurality of sample users when facing a loss or when interacting with an experimental application for testing risk preferences, the plurality of sample users comprising a plurality of sample users of a high risk preference type and a plurality of sample users of a low risk preference type;
obtaining a characteristic value of each sample user in the plurality of sample users under each variable in a plurality of variables; and
training the risk preference model according to the obtained characteristic values and the risk preference type corresponding to each of the plurality of sample users, an input of the risk preference model being the characteristic value under the each variable in the plurality of variables, and an output of the risk preference model being a possibility that the user is classified into the high risk preference type, anddetermining a risk preference index of a user by;
obtaining user data generated during a risk-related transaction of the user;
determining a characteristic value of the user under each variable in the plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user;
inputting the characteristic value of the user under each variable in the plurality of variables into the risk preference model; and
outputting the risk preference index indicating a level of the risk preference of the user from the risk preference model.
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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.
68 Citations
18 Claims
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1. A method, comprising:
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training a risk preference model by; selecting a plurality of sample users according to actual behavior of the plurality of sample users when facing a loss or when interacting with an experimental application for testing risk preferences, the plurality of sample users comprising a plurality of sample users of a high risk preference type and a plurality of sample users of a low risk preference type; obtaining a characteristic value of each sample user in the plurality of sample users under each variable in a plurality of variables; and training the risk preference model according to the obtained characteristic values and the risk preference type corresponding to each of the plurality of sample users, an input of the risk preference model being the characteristic value under the each variable in the plurality of variables, and an output of the risk preference model being a possibility that the user is classified into the high risk preference type, and determining a risk preference index of a user by; obtaining user data generated during a risk-related transaction of the user; determining a characteristic value of the user under each variable in the plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user; inputting the characteristic value of the user under each variable in the plurality of variables into the risk preference model; and outputting the risk preference index indicating a level of the risk preference of the user from the risk preference model. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A 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:
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training a risk preference model by; selecting a plurality of sample users according to actual behavior of the plurality of sample users when facing a loss or when interacting with an experimental application for testing risk preferences, the plurality of sample users comprising a plurality of sample users of a high risk preference type and a plurality of sample users of a low risk preference type; obtaining a characteristic value of each sample user in the plurality of sample users under each variable in a plurality of variables; and training the risk preference model according to the obtained characteristic values and the risk preference type corresponding to each of the plurality of sample users, an input of the risk preference model being the characteristic value under the each variable in the plurality of variables, and an output of the risk preference model being a possibility that the user is classified into the high risk preference type, and determining a risk preference index of a user by; obtaining user data generated during a risk-related transaction of the user; determining a characteristic value of the user under each variable in the plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user; inputting the characteristic value of the user under each variable in the plurality of variables into the risk preference model; and outputting the risk preference index indicating a level of the risk preference of the user from the risk preference model. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory computer-readable storage medium, the storage medium configured with instructions executable by one or more processors to cause the one or more processors to perform operations comprising:
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training a risk preference model by; selecting a plurality of sample users according to actual behavior of the users when facing a loss or when interacting with an experimental application for testing risk preferences, the plurality of sample users comprising a plurality of sample users of a high risk preference type and a plurality of sample users of a low risk preference type; obtaining a characteristic value of each sample user in the plurality of sample users under each variable in a plurality of variables; and training the risk preference model according to the obtained characteristic values and the risk preference type corresponding to each of the plurality of sample users, an input of the risk preference model being the characteristic value under the each variable in the plurality of variables, and an output of the risk preference model being a possibility that the user is classified into the high risk preference type, and determining a risk preference index of a user by; obtaining user data generated during a risk-related transaction of the user; determining a characteristic value of the user under each variable in the plurality of variables according to the user data, the plurality of variables comprising at least one variable affecting a risk preference of the user; inputting the characteristic value of the user under each variable in the plurality of variables into the risk preference model; and outputting the risk preference index indicating a level of the risk preference of the user from the risk preference model. - View Dependent Claims (16, 17, 18)
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Specification