CN107958341A

CN107958341A - Risk Identification Method and device and electronic equipment

Info

Publication number: CN107958341A
Application number: CN201711320427.XA
Authority: CN
Inventors: 顾超; 毛洪刚
Original assignee: Alibaba Group Holding Ltd
Current assignee: Advanced New Technologies Co Ltd; Advantageous New Technologies Co Ltd
Priority date: 2017-12-12
Filing date: 2017-12-12
Publication date: 2018-04-24

Abstract

This specification embodiment provides a kind of Risk Identification Method and device and electronic equipment, air control system server can obtain the log-on data of trade company from group of trade company to be identified；First determine whether to whether there is feature of risk data in the log-on data of the trade company；Then filter out there are the trade company of feature of risk data, and be included in group of potential risk trade company；Then the operation data of trade company in group of the potential risk trade company is monitored；Further according to the operation data of trade company in group of the potential risk trade company, judge whether trade company is risk trade company in group of the potential risk trade company.

Description

Risk Identification Method and device and electronic equipment

Technical field

This specification embodiment is related to Internet technical field, more particularly to a kind of Risk Identification Method and device and electronics Equipment.

Background technology

With the continuous development of Third-party payment, mobile payment is already known to the one kind generally used during off-line transaction The means of payment.Businessman under line can be by using Third-party payment interface, so as to be paid under opening line to payment platform application Channel, obtains mobile payment service.Since the quality good and the bad of Xian Xia trade companies is not good, the bad business of infringement consumer inevitably occurs Family.Payment platform needs in real time to be monitored trade company, so as to find risk trade company in time.But as trade company's quantity is continuous Increase, full dose monitoring trade company can consume substantial amounts of resource；And actually risk trade company only accounts for the minority of whole trade companies, full dose prison The mode of trade company is controlled, vast resources can be used to monitor in the trade company there is no risk.

Need to provide risk identification scheme more efficiently.

The content of the invention

A kind of Risk Identification Method and device and electronic equipment that this specification embodiment provides：

According to the first aspect of this specification embodiment, there is provided a kind of Risk Identification Method, the described method includes：

The log-on data of trade company is obtained from group of trade company to be identified；Wherein, submitted when log-on data is enrolled merchant Data；

Judge to whether there is feature of risk data in the log-on data of the trade company；

Filter out there are the trade company of feature of risk data, and be included in group of potential risk trade company；

Monitor the operation data of trade company in group of the potential risk trade company；

According to the operation data of trade company in group of the potential risk trade company, business in group of the potential risk trade company is judged Whether family is risk trade company.

According to the second aspect of this specification embodiment, there is provided a kind of risk identification device, described device include：

Acquiring unit, obtains the log-on data of trade company from group of trade company to be identified；Wherein, log-on data is enrolled merchant When the data submitted；

Judging unit, judges to whether there is feature of risk data in the log-on data of the trade company；

Screening unit, filters out there are the trade company of feature of risk data, and is included in group of potential risk trade company

Monitoring unit, monitors the operation data of trade company in group of the potential risk trade company；

Recognition unit, according to the operation data of trade company in group of the potential risk trade company, judges the potential risk business Whether trade company is risk trade company in the group of family.

According to the third aspect of this specification embodiment, there is provided a kind of electronic equipment, including：

Processor；

For storing the memory of processor-executable instruction；

Wherein, the processor is configured as：

This specification embodiment, can the screening from group of trade company to be identified (such as full dose trade company) by feature of risk data The trade company of risky characteristic is provided, these trade companies can be considered the trade company there are potential risk.In this way, it can exclude Those do not have the normal trade company of feature of risk data, and the trade company of these potential risks is monitored easy to emphasis.Further , the operation data of the trade company by monitoring these potential risks, according to the operation data monitored come judge trade company whether be Risk trade company.In this way, due to be monitored only for there are the trade company of feature of risk data, so reducing risk identification consumption Resource；Simultaneously as key monitoring be potential risk trade company, so the promptness of risk identification can also carry significantly It is high.

Brief description of the drawings

Fig. 1 is the system construction drawing for realizing risk identification that one embodiment of this specification provides；

Fig. 2 is the flow chart for the Risk Identification Method that one embodiment of this specification provides；

Fig. 3 is the module diagram for the risk identification device that one embodiment of this specification provides.

Embodiment

Here exemplary embodiment will be illustrated in detail, its example is illustrated in the accompanying drawings.Following description is related to During attached drawing, unless otherwise indicated, the same numbers in different attached drawings represent the same or similar key element.Following exemplary embodiment Described in embodiment do not represent all embodiments consistent with this specification.On the contrary, they are only and such as institute The example of the consistent apparatus and method of some aspects be described in detail in attached claims, this specification.

It is only merely for the purpose of description specific embodiment in the term that this specification uses, and is not intended to be limiting this explanation Book." one kind " of used singulative, " described " and "the" are also intended to bag in this specification and in the appended claims Most forms are included, unless context clearly shows that other implications.It is also understood that term "and/or" used herein is Refer to and any or all may be combined comprising the associated list items purpose of one or more.

It will be appreciated that though various information may be described using term first, second, third, etc. in this specification, but These information should not necessarily be limited by these terms.These terms are only used for same type of information being distinguished from each other out.For example, do not taking off In the case of this specification scope, the first information can also be referred to as the second information, and similarly, the second information can also be claimed For the first information.Depending on linguistic context, word as used in this " if " can be construed to " ... when " or " when ... " or " in response to determining ".

As it was previously stated, with the continuous development of Third-party payment, mobile payment is already known to during off-line transaction generally A kind of means of payment used.Businessman under line can be by using Third-party payment interface, so as to open to payment platform application Channel of disbursement under logical line, obtains offline payment services.Since the quality good and the bad of Xian Xia trade companies is not good, infringement consumption inevitably occurs The bad businessman of person.Payment platform needs in real time to be monitored trade company, so as to find risk trade company in time.But with business Amount amount is on the increase, and full dose monitoring trade company can consume substantial amounts of resource；And actually risk trade company only accounts for whole trade companies Minority, full dose monitor the mode of trade company, can be used to monitor in the trade company there is no risk by vast resources；On the other hand, due to A large amount of normal trade companies are monitored, so longer the time required to identifying the trade company for being truly present risk, i.e., risk identification is timely Property deficiency.

Below to be illustrated exemplified by Alipay this payment platform, Alipay access has thousands of trade company.These The trade company of access can be realized by the Third-party payment interface that Alipay provides and be paid under line, so as to complete transaction gathering.Have A little businessmans fill in false scope of operation in Alipay enrolled merchant, its actual scope of operation be probably it is illegal (such as Huang, Gambling, poison, illegal fund collection etc.).Some trade companies cause cash flow nervous due to managing improperly, it is possible that be in arrears with employee compensation, The problems such as user guarantee fund can not extract, so as to cause trade company to produce dispute with employee, user.After these above-mentioned situations are exposed All it is very easy to ferment into public opinion risk, so as to influence the public praise of Alipay.Therefore, Alipay needs to carry out the trade company of access Risk identification, the trade company there will be risk identify, are convenient for handling and such as impose a fine, rectify and improve, clearing up and discharging.

This specification can be related to one or more systems.Such as shown in Fig. 1, a kind of framework of system of this specification 100 can include payment platform 111, air control system 112.The payment platform 111 can include Third-party payment platform.It is described Payment platform 111 can be connected with air control system 112 by 113 interface of network.Wherein, payment platform 111 can be to provide The platform of Third-party payment service.User can carry out enrolled merchant in payment platform 111, and clothes are paid under line so as to obtain Business.Payment platform 111 can provide merchant information to air control system 112, and carry out risk identification by the air control system 112.

A kind of embodiment for realizing Risk Identification Method of this specification, the side are introduced below in conjunction with the example shown in Fig. 2 Method is applied to air control system server (hereinafter referred to as server), as shown in Fig. 2, may comprise steps of：

Step 210：The log-on data of trade company is obtained from group of trade company to be identified.

The log-on data can include the data filled in or submitted by businessman during Merchants register, such as shop name in an account book, warp Seek people, business licence, legal representative, scope of operation, business scope, industry or field etc. information.

The trade company can include the trade company (such as milk tea shop, breakfast shop, clothes shop) under line, can also include on line Trade company (such as shop of net purchase platform).

The group of trade company to be identified can refer to the set of multiple trade companies to be identified.Such as carry out full dose trade company in platform During identification, the set of all trade companies can be referred to as group of trade company to be identified on the platform.

Step 220：Judge to whether there is feature of risk data in the log-on data of the trade company.

The feature of risk data, can refer to the more pre-set data there are feature of risk in server.This A little feature of risk data can regularly update, such as in practical risk identification process, find some new feature of risk data, This feature of risk data first found is added when updating next time.The feature of risk number that third party's channel provides can also be combined According to the feature of risk data that renewal server local is set.

Whether there is feature of risk data in the log-on data for judging the trade company, can in the following way in At least one combination is realized：

First way：Judged from whether contract Third-party payment interface this dimension of trade company, then the step 220, specifically include：

Obtain the Third-party payment interface message of the log-on data of the trade company；

In the case where getting the Third-party payment interface, it may be determined that trade company's signing Third-party payment connects Mouthful, and then can determine that feature of risk data are not present in the log-on data of the trade company；

In the case where not getting the Third-party payment interface, it may be determined that the unsigned Third-party payment of trade company Interface, and then can determine that there are feature of risk data in the log-on data of the trade company.

In practical applications, the Third-party payment interface if trade company has contracted, it is possible to obtain payment services under line.But It is, can be with payment services under indirect gain line, for payment services under indirect gain line using some products of payment platform In the case of, it is Third-party payment interface of not contracting.In some sense, the acquisition side of payment services is simultaneously under indirect gain line The trade company of payment platform registration, but the actual authority for getting enrolled merchant cannot be calculated.

Still by taking Alipay as an example, as it was previously stated, trade company needs Third-party payment interface of contracting, enrolled merchant hand is completed It is continuous, it can just obtain payment services under line；But it can also be received by some products (sub- application) on Alipay as stopped Expense is taken, thus payment services under indirect gain line.

If the Third-party payment interface generally, trade company has contracted, can be subject to some security restrictions of the interface, so that Risk can be reduced to a certain extent；, whereas if Third-party payment interface of not contracting, the behavior of trade company will not be subject to above-mentioned Limitation, then opposite degree of risk is with regard to bigger.

The second way：Whether it is that this dimension is judged with personal name registration from trade company；Then, the step 220, Specifically include：

Judge whether trade company's property is personal trade company in the log-on data of the trade company；Wherein, trade company's property includes Trade company of personal trade company and enterprise；

In the case where trade company's property is personal trade company, it may be determined that there are risk in the log-on data of the trade company Characteristic；

In the case where trade company's property is business trade company, it may be determined that wind is not present in the log-on data of the trade company Dangerous characteristic.

Generally, it can be generally divided on payment platform during enrolled merchant, it is necessary to fill in trade company's property：Personal trade company and Trade company of enterprise.Here personal trade company can refer to the small trade company with personal name registration, and this kind of small trade company may be exactly personal Manage, such as sell the booth of breakfast, a stand etc. for food market, these usual small trade companies do not have business licence.It is above-mentioned Trade company of enterprise can usually refer to the trade company with enterprises registration, such as the shops in shopping center, the window etc. of enterprises and institutions' unit, lead to All often there is efficient management licensing.

In general, the risk of personal trade company is higher than trade company of enterprise；Therefore, in the present embodiment, for personal name registration Personal trade company, identification are that there are feature of risk；And for the trade company of enterprise of non-personal name registration, assert special there is no risk Sign.

The third mode：From trade company, with the presence or absence of business development assistant director, this dimension is judged；The step 220, tool Body can include：

Judge in the log-on data of the trade company with the presence or absence of maintenance record；

Exist in the log-on data of the trade company in the case of safeguarding record, it may be determined that the log-on data of the trade company In feature of risk data are not present.

In the case of being recorded in the log-on data of the trade company there is no maintenance, it may be determined that the registration number of the trade company There are feature of risk data in.

The business development assistant director (BD, Business Development) can be that payment platform distributes for trade company. Generally, payment platform can set BD for the trade company of large enterprise.The BD is used to periodically safeguard trade company.The dimension The content of shield can include monitoring trade company pay taxes record, whether monitoring trade company business licence expires, whether update, monitoring if expiring Trade company whether timely processing customer complaint etc..Specifically, BD can inquire about whether trade company pays taxes according to quantity on time to taxation authority；BD It can inquire about whether trade company updates overdue business license；BD can monitor the complaint for trade company, and whether trade company locates in time Whether reason, and handling result make customer satisfaction etc..After the BD safeguards trade company every time, server can be in the note of the trade company Volumes generates corresponding safeguard in and records.

4th kind of mode：From the scope of operation of trade company, with the presence or absence of risk, this dimension is judged；Then, the step 220, specifically include：

Obtain the scope of operation of trade company described in the log-on data；

By the scope of operation of the trade company compared with Risk Content；

In the case of the scope of operation hit Risk Content of the trade company, it may be determined that in the log-on data of the trade company There are feature of risk data.

In the case of the miss Risk Content of scope of operation of the trade company, it may be determined that the log-on data of the trade company In feature of risk data are not present

In which, the scope of operation can refer to the commodity that the trade company filled in during Merchants register manages：For example, breakfast The scope of operation in shop can be earlier；The scope of operation of fruit shop can be fruit；The scope of operation of greengrocer's can be vegetables.

Specifically, server local can safeguard the tables of data or database of a record Risk Content.

The Risk Content can refer to that all artificially assert have safety, the scope of operation of illegal equivalent risk, such as Fireworks and firecrackers (inflammable and explosive) is managed, cutter (there are the risk of controlled knife) is managed, manages natural gas etc..

Fifth procedure：Whether it is that risk industry this dimension is judged from the industry belonging to trade company；Then, the step 220, it can specifically include：

In the case where the industry belonging to the trade company is risk industry, determine that there are wind in the log-on data of the trade company Dangerous characteristic；

In the case where the industry belonging to the trade company is not risk industry, determine not deposit in the log-on data of the trade company In feature of risk data.

In this specification, it can classify to the risk of industry, for example, at least including excessive risk industry, low-risk row Industry.The excessive risk industry can refer to the industry with high risk, such as chemical industry (such as strong acid and strong base chemicals). The low-risk industry can refer to the industry with compared with low-risk, such as education sector (such as school), public service industry are (such as Hospital), the governmental affairs industry (such as tax bureau).

In the first implementation：

The risk industry can refer to low-risk industry；Then, whether the industry judged belonging to the trade company is wind Dangerous industry, including：

Judge whether the industry belonging to the trade company is low-risk industry；

It is not low-risk industry in the industry belonging to the trade company, it may be determined that there are wind in the log-on data of the trade company Dangerous characteristic；

It is low-risk industry in the industry belonging to the trade company, it may be determined that wind is not present in the log-on data of the trade company Dangerous characteristic.

Similar with foregoing scope of operation, the industry belonging to the trade company can refer to fill in industry during Merchants register； It can be the industry derived according to the scope of operation of trade company.Such as scope of operation is breakfast, then industry belongs to food service industry；One As, there can be correspondence between scope of operation and industry, this correspondence can be pre-set, such air control System server can be based on the correspondence, and industry is matched according to scope of operation.

Specifically, server local can safeguard the tables of data or database of a record low-risk industry.

Further, whether the industry judged belonging to the trade company is low-risk industry, can be included：

Obtain the industry belonging to trade company described in the log-on data；

By the industry belonging to the trade company compared with low-risk industry；

In the case of the miss low-risk industry of industry belonging to the trade company, it may be determined that the row belonging to the trade company Industry can determine that there are feature of risk data in the log-on data of the trade company there are risk；

In the case of the industry hit low-risk industry belonging to the trade company, it may be determined that the industry belonging to the trade company There is no risk, and then can determine that feature of risk data are not present in the log-on data of the trade company.

In practical applications, the industry of some low-risks can be added in above-mentioned tables of data or database in advance.

In second of implementation：

The risk industry can refer to excessive risk industry；Then, whether the industry judged belonging to the trade company is wind Dangerous industry, including：

Judge whether the industry belonging to the trade company is excessive risk industry；

In the case where the industry belonging to the trade company is excessive risk industry, it may be determined that in the log-on data of the trade company There are feature of risk data；

In the case where the industry belonging to the trade company is not excessive risk industry, it may be determined that the log-on data of the trade company In feature of risk data are not present.

Specifically, server local can safeguard the tables of data or database of a record excessive risk industry.

Further, whether the industry judged belonging to the trade company is excessive risk industry, can be included：

Obtain the industry belonging to trade company described in the log-on data；

By the industry belonging to the trade company compared with excessive risk industry；

In the case of the industry hit excessive risk industry belonging to the trade company, it may be determined that the industry belonging to the trade company There are risk, and then it can determine that there are feature of risk data in the log-on data of the trade company；

In the case of the miss excessive risk industry of industry belonging to the trade company, it may be determined that the row belonging to the trade company Risk is not present in industry, and then can determine that feature of risk data are not present in the log-on data of the trade company.

In practical applications, the industry of some excessive risks can be added in above-mentioned tables of data or database in advance.

If it should be noted that whether there is feature of risk data in the log-on data for judging the trade company, by The combination of above-mentioned various ways realizes, it is described it is a variety of can be at least two kinds of；

So, judging result, can be that the result of comprehensive each way determines：

Weight can be set to the result in a manner of each by advance；

Illustrate, it is assumed that judge to whether there is feature of risk data in the log-on data of the trade company, be by judging State whether trade company is with personal name registration；Judge that the trade company whether there is business development assistant director；Judge the warp of the trade company Battalion's content whether there is risk, this 3 kinds of modes pass through definite：

It is possible to establish equation below：

Final judging result=a* (whether being with the result of personal name registration)+b* (whether there is business development assistant director Result)+c* the result of risk (scope of operation whether there is)；Wherein, a, b, c are weight.

The above results can be quantified as numerical value, i.e., be 1 there are feature of risk data, be -1 there is no risk special data； So, final judging result is more than 0, illustrates that there are feature of risk data in the log-on data of the trade company；Final judging result Less than or equal to 0, illustrate feature of risk data are not present in the log-on data of the trade company.It should be noted that this example is only Example, in practical applications, as long as meeting that any numerical value for being used to quantify of above-mentioned formula or other any characters can make With.

It is noted that above-mentioned weight can pass through certain algorithm (such as machine learning algorithm, deep learning algorithm) Obtain optimal value.

Step 230：Filter out there are the trade company of feature of risk data, and be included in group of potential risk trade company.

With the presence or absence of after feature of risk data in the log-on data for judging the trade company, it may be said that the bright trade company can It can be the trade company of potential risk；Therefore server can there will be the trade company of feature of risk data to filter out, and can be by this A little trade companies there are feature of risk data are included in group of potential risk trade company.

Step 240：Monitor the operation data of trade company in group of the potential risk trade company.

Server can be monitored the trade company of such potential risk with emphasis.Specifically, the operation data of trade company is monitored. The operation data can be the data produced during trade company's operation, such as exchange hour, loco, transaction amount, friendship Easy number, both parties' information etc..

Step 250：According to the operation data of trade company in group of the potential risk trade company, the potential risk trade company is judged Whether trade company is risk trade company in group.

Server can be advised according to the operation data combination risk identification according to trade company in group of the potential risk trade company Then, judge whether trade company is risk trade company in group of the potential risk trade company.

Generally, can be from dimension sets such as funds transaction, association trade company, complaint, Third-party payment interface service conditions Rule, so that operation data be identified, specifically refer to following content：

1：For funds transaction：

In one implementation：The step 250, can specifically include：

Trade company in group of the potential risk trade company is obtained to merchandise in the duration of setting total amount；

Judge in group of the potential risk trade company whether trade company's total amount of merchandising in the duration of setting is more than threshold value；

Trade company's total amount of merchandising in the duration of setting is more than threshold value in group of the potential risk trade company, determines described Trade company is risk trade company in group of potential risk trade company；

Trade company's total amount of merchandising in the duration of setting is not more than threshold value in group of the potential risk trade company, determines institute It is non-risk trade company to state trade company in group of potential risk trade company.

In the implementation, the duration can be an empirical value set in advance.For example, duration can be set as most Near three months.

The threshold value can be set dynamically according to trade company's concrete condition.For example, the generally, trade company of enterprise nature Threshold value will height relative to the threshold value of the trade company of personal property；Also, the threshold value can be determined according to trade company's historical trading amount of money, Such as trade company be averaged each duration transaction total amount be 1,000,000, then threshold value could be provided as 2,000,000.

Whether the transaction total amount that may determine that trade company in certain time by the threshold value varies widely：

If trade company merchandises in the duration of setting, total amount is more than threshold value, illustrates that the transaction of trade company in this period is always golden Volume occurs abnormal.Can not determine merchant transaction total amount why in the case of exception, it is necessary to be regarded as risk trade company.

Opposite, if trade company merchandises in the duration of setting, total amount is not more than threshold value, illustrates trade company in this period Transaction total amount be normal, it may be determined that the trade company is non-risk trade company.

In second in implementation：

The step 250, can specifically include：

Obtain trade company's transaction amount in the duration of setting in group of the potential risk trade company；

Judge whether trade company's transaction amount in the duration of setting rises in obvious in group of the potential risk trade company Trend；

Trade company's transaction amount in the duration of setting is in obvious ascendant trend in group of the potential risk trade company In the case of, determine that trade company is risk trade company in group of the potential risk trade company.

For example, the transaction amount in the first month of certain trade company is 100,000, the transaction amount in second month is 20 Ten thousand, the 3rd month is 500,000, and the 4th month is 1,000,000.Obviously, transaction amount of the trade company in this 4 months is on obvious The trend of liter, performance are more abnormal.Can not determine the merchant transaction amount of money why in the case of exception, it is necessary to be regarded as wind Dangerous trade company.

2：For association trade company：

The step 250, can specifically include：

Obtain the association trade company of trade company in group of the potential risk trade company；

Judge to whether there is identified risk trade company in the association trade company of trade company in group of the potential risk trade company；

In group of the potential risk trade company in the association trade company of trade company there are identified risk trade company in the case of, Determine that trade company is risk trade company in group of the potential risk trade company；

The situation of identified risk trade company is not present in the association trade company of trade company in group of the potential risk trade company Under, determine that trade company is non-risk trade company in group of the potential risk trade company.

In the embodiment, the identified risk trade company can refer to the tool identified by air control system server Risky trade company.

If it is identified risk trade company to associate trade company, then trade company to be identified is easily by this pass with risk Connection trade company involves, involves；Therefore, such trade company to be identified can also be regarded as risk trade company；

, whereas if the identified trade company with risk is not present in association trade company, then it is not easy to occur by other trade companies The risk involve, involved；Therefore, such trade company to be identified can be regarded as non-risk trade company.

How association trade company introduced below determines：

A kind of determination mode：

The association trade company can be determined by the fund correlation degree between trade company and trade company：

For example, the number of fund dealing reaches the number of setting between A trade companies and B trade companies, then illustrate A trade companies and B trade companies Between fund dealing it is more frequent, it can be assumed that A trade companies are to associate trade company with B trade companies.

Another determination mode：

The association trade company can be determined by business entity or shareholder；

Can be association trade company with these trade companies if multiple trade companies have same legal person or shareholder.Preferably, institute It can be big shareholder to state shareholder, such as accounts for shareholder of the stock more than 51%.

3：For complaint：

If generally, trade company there are it is certain the problem of, more complaint can be received；It is more when complaining, easily there is carriage By pressure, harmful effect can be caused to payment platform；Therefore, for complaining, too many trade company can there are risk.

In the first implementation：

The step 250, specifically includes：

The history for obtaining trade company in group of the potential risk trade company complains number；

Judge that the history of trade company in group of the potential risk trade company complains whether number is more than threshold value；

The history of trade company complains number described latent more than in the case of threshold value, determining in group of the potential risk trade company Trade company is risk trade company in group of risk trade company.

The history of trade company complains number described no more than in the case of threshold value, determining in group of the potential risk trade company Trade company is non-risk trade company.

In the implementation, the threshold value can be a pre-set empirical value.

In second of implementation：

The step 250, can specifically include：

Obtain the complaint number in trade company's nearest cycle in group of the potential risk trade company；

Judge whether the complaint number in group of the potential risk trade company in trade company's nearest cycle is more than threshold value；

In the case that complaint number in group of the potential risk trade company in trade company's nearest cycle is more than threshold value, determine Trade company is risk trade company in group of the potential risk trade company.

In the case that complaint number in group of the potential risk trade company in trade company's nearest cycle is not more than threshold value, really The fixed trade company is non-risk trade company.

In the implementation, the threshold value can be a pre-set empirical value.

It is to complain number to judge the history of trade company it should be noted that in the first implementation；And latter Implementation, is that the complaint number in a cycle nearest to trade company judges.

4：For Third-party payment interface service condition：

In one implementation：

The step 250, can specifically include：

Obtain the Third-party payment interface that trade company contracts in group of the potential risk trade company；

Judge whether the Third-party payment interface of trade company in group of the potential risk trade company is used for the trade company and manages model Outside enclosing；

The Third-party payment interface of trade company is used for outside the business scope of the trade company in group of the potential risk trade company In the case of, determine that trade company is risk trade company in group of the potential risk trade company；

In group of the potential risk trade company Third-party payment interface of trade company be not used for the trade company business scope it In the case of outer, it is non-risk trade company to determine the trade company.

In practical applications, also can there are risk if Third-party payment interface is abused by trade company.For example, trade company is the 3rd Square payment interface is used for beyond business scope, and such as trade company, original business scope is non-staple food, but it is now discovered that Third-party payment Interface becomes to be used for construction material；In the case where that can not determine why trade company changes, it is necessary to be regarded as that there are risk.

For another example the business scope of illegal merchant registration is legal, but the commodity of effective sale are all illegal.By this Embodiment, it is possible to identify the case of violation of law, timely processing.

Air control system server can be obtained by inquiring about trade company's history by the Transaction Information that Third-party payment interface is completed Take the actual business scope of trade company.

In the embodiment, business scope and the relation that foregoing scope of operation can be parent and subclass；I.e. scope of operation is The a subset of business scope.For example, certain trade company's scope of operation includes non-staple food, veterinary antibiotics；Its business scope can be with It is food.Because food includes non-staple food, veterinary antibiotics.

In second of implementation：

The step 250, can specifically include：

Judge whether the Third-party payment interface of trade company in group of the potential risk trade company is used by other trade companies；

In the case that the Third-party payment interface of trade company is by other trade company's uses in group of the potential risk trade company, really Trade company is risk trade company in group of the fixed potential risk trade company；

The Third-party payment interface of trade company is not by the feelings outside other trade company's uses in group of the potential risk trade company Under condition, it is non-risk trade company to determine the trade company.

In practical applications, use to other trade companies if trade company lends the Third-party payment interface of oneself, equally deposit In risk.Normally collect money for example, the gathering Quick Response Code of oneself is pasted businessman by illegal user on Quick Response Code；In this way, businessman Operation obtained by just stolen by illegal user.

Specifically, whether the Third-party payment interface for judging trade company in group of the potential risk trade company is by other business Family uses, and can include：

Obtain the geographical location letter that trade company in group of the potential risk trade company completes transaction by Third-party payment interface Breath；

Judge whether described address positional information changes；

In the case where described address positional information changes, determine that the Third-party payment interface of the trade company is other Trade company uses, and then there are risk for the definite trade company.

For example, the place of trade company's historical trading is always all in certain fruit market, but the ground merchandised since some day Point changes to building materials market；Obviously, the scope of operation of trade company, business place are changed, and can not determine merchant transaction place , it is necessary to be regarded as risk trade company in the case of why changing.

Similarly, if the step 250, realization is combined by above-mentioned various ways；Its judging result can be sentenced with foregoing Similar for example with weight with the presence or absence of feature of risk data in the log-on data of disconnected trade company, details are not described herein again.

In conclusion this specification embodiment, can be from group of trade company (such as full dose business to be identified by feature of risk data Family) in filter out the trade company with feature of risk data, these trade companies can be considered the trade company there are potential risk.This Sample, can exclude those normal trade companies for not having feature of risk data, and the trade company of these potential risks is carried out easy to emphasis Monitoring.Further, by the operation data for the trade company for monitoring these potential risks, judged according to the operation data monitored Whether trade company is risk trade company.In this way, due to be monitored only for there are the trade company of feature of risk data, so reducing wind The resource of danger identification consumption；Simultaneously as key monitoring be potential risk trade company, so the promptness of risk identification It can greatly improve.

Corresponding with aforementioned risk recognition methods embodiment, this specification additionally provides the embodiment of risk identification device. Described device embodiment can be realized by software, can also be realized by way of hardware or software and hardware combining.With software It is the processor by equipment where it by nonvolatile memory as the device on a logical meaning exemplified by realization Corresponding computer program instructions read what operation in memory was formed.For hardware view, this specification risk identification dress A kind of hardware configuration of equipment where putting can include outside processor, network interface, memory and nonvolatile memory, implement Equipment in example where device can also include other hardware, this is repeated no more generally according to the risk identification actual functional capability.

Referring to Fig. 3, the module map of the risk identification device provided for one embodiment of this specification, described device has corresponded to figure Embodiment of the method shown in 2, the embodiment are applied to self-aided terminal, and described device includes：

Acquiring unit 310, obtains the log-on data of trade company from group of trade company to be identified；Wherein, log-on data is registration The data submitted during trade company；

Judging unit 320, judges to whether there is feature of risk data in the log-on data of the trade company；

Screening unit 330, filters out there are the trade company of feature of risk data, and is included in group of potential risk trade company；

Monitoring unit 340, monitors the operation data of trade company in group of the potential risk trade company；

Recognition unit 350, according to the operation data of trade company in group of the potential risk trade company, judges the potential risk Whether trade company is risk trade company in group of trade company.

In an optional embodiment：

The trade company is Xian Xia trade companies.

In an optional embodiment：

The judging unit 320, specifically includes：

Trade company's property judgment sub-unit, judges whether trade company's property is personal trade company in the log-on data of the trade company；Its In, trade company's property includes personal trade company and trade company of enterprise；

Feature of risk determination subelement, in the case where trade company's property is personal trade company, determines the note of the trade company There are feature of risk data in for volumes.

In an optional embodiment：

The judging unit 320, specifically includes：

Safeguard record judgment sub-unit, judge in the log-on data of the trade company with the presence or absence of maintenance record；

Feature of risk determination subelement, in the case where the trade company is there is no record is safeguarded, determines the note of the trade company There are feature of risk data in for volumes.

In an optional embodiment：

The judging unit 320, specifically includes：

Scope of operation obtains subelement, obtains the scope of operation of trade company described in the log-on data；

Scope of operation comparing subunit, by the scope of operation of the trade company compared with Risk Content；

Feature of risk determination subelement, in the case of the scope of operation hit Risk Content of the trade company, determines described There are feature of risk data in the log-on data of trade company.

In an optional embodiment：

The judging unit 320, specifically includes：

Industry obtains subelement, obtains the industry belonging to trade company described in the log-on data；

Industry comparing subunit, by the industry belonging to the trade company compared with low-risk industry；

Feature of risk determination subelement, in the case where the industry belonging to the trade company is not low-risk industry, determines institute State in the log-on data of trade company that there are feature of risk data.

In an optional embodiment：

The recognition unit 350, specifically includes：

Total amount of merchandising obtains subelement, obtains trade company in group of the potential risk trade company and merchandises in the duration of setting Total amount；

Transaction total amount judgment sub-unit, judges that trade company merchandises in the duration of setting in group of the potential risk trade company Whether total amount is more than threshold value；

Risk determination subelement, trade company's total amount of merchandising in the duration of setting is big in group of the potential risk trade company In threshold value, determine that trade company is risk trade company in group of the potential risk trade company.

In an optional embodiment：

The recognition unit 350, specifically includes：

Associate trade company and obtain subelement, obtain the association trade company of trade company in group of the potential risk trade company；

Trade company's judgment sub-unit is associated, judges to whether there is in the association trade company of trade company in group of the potential risk trade company Identified risk trade company；

Risk determination subelement, there are identified wind in the association trade company of trade company in group of the potential risk trade company In the case of dangerous trade company, determine that trade company is risk trade company in group of the potential risk trade company.

In an optional embodiment：

The recognition unit 350, specifically includes：

Number is complained to obtain subelement, the history for obtaining trade company in group of the potential risk trade company complains number；

Number judgment sub-unit is complained, judges that the history of trade company in group of the potential risk trade company complains number whether big In threshold value；

Risk determination subelement, the history of trade company complains number more than the feelings of threshold value in group of the potential risk trade company Under condition, determine that trade company is risk trade company in group of the potential risk trade company.

In an optional embodiment：

The recognition unit 350, specifically includes：

Complain number to obtain subelement, obtain the complaint time in group of the potential risk trade company in trade company's nearest cycle Number；

Number judgment sub-unit is complained, judges the complaint number in trade company's nearest cycle in group of the potential risk trade company Whether threshold value is more than；

Risk determination subelement, the complaint number in group of the potential risk trade company in trade company's nearest cycle are more than threshold In the case of value, determine that trade company is risk trade company in group of the potential risk trade company.

In an optional embodiment：

The recognition unit 350, specifically includes：

Interface obtains subelement, obtains the Third-party payment interface that trade company contracts in group of the potential risk trade company；

Interface judgment sub-unit, judges whether is Third-party payment interface that trade company in group of the potential risk trade company contracts Outside the business scope of the trade company；

Risk determination subelement, the Third-party payment interface that trade company contracts in group of the potential risk trade company is used for should In the case of outside the business scope of trade company, determine that trade company is risk trade company in group of the potential risk trade company.

In an optional embodiment：

The recognition unit 350, specifically includes：

Receive and obtain subelement, obtain the Third-party payment interface that trade company contracts in group of the potential risk trade company；

Whether interface judgment sub-unit, judge the Third-party payment interface of trade company in group of the potential risk trade company by it Its trade company uses；

Risk determination subelement, the Third-party payment interface of trade company is by other trade companies in group of the potential risk trade company In the case of use, determine that trade company is risk trade company in group of the potential risk trade company.

In an optional embodiment：

The interface judgment sub-unit, specifically includes：

Position acquisition subelement, obtains trade company in group of the potential risk trade company and completes to hand over by Third-party payment interface Easy geographical location information；

Change in location subelement, judges whether described address positional information sends change；

Determination subelement, in the case where described address positional information changes, determines the potential risk trade company group The Third-party payment interface of Zu Zhong trade companies is used by other trade companies.

System, device, module or the unit that above-described embodiment illustrates, can specifically be realized by computer chip or entity, Or realized by having the function of certain product.One kind typically realizes that equipment is computer, and the concrete form of computer can To be personal computer, laptop computer, cell phone, camera phone, smart phone, personal digital assistant, media play In device, navigation equipment, E-mail receiver/send equipment, game console, tablet PC, wearable device or these equipment The combination of any several equipment.

The function of unit and effect realizes that process specifically refers to step is corresponded in the above method in above device Realize process, details are not described herein.

For device embodiment, since it corresponds essentially to embodiment of the method, so related part is real referring to method Apply the part explanation of example.Device embodiment described above is only schematical, wherein described be used as separating component The unit of explanation may or may not be physically separate, can be as the component that unit is shown or can also It is not physical location, you can with positioned at a place, or can also be distributed in multiple network unit.Can be according to reality Need to select some or all of module therein to realize the purpose of this specification scheme.Those of ordinary skill in the art are not In the case of making the creative labor, you can to understand and implement.

Figure 3 above describes inner function module and the structural representation of risk identification device, its substantial executive agent Can be a kind of electronic equipment, including：

Processor；

For storing the memory of processor-executable instruction；

Wherein, the processor is configured as：

Preferably, the trade company is Xian Xia trade companies.

Preferably, it whether there is feature of risk data in the log-on data for judging the trade company, specifically include：

In the case where trade company's property is personal trade company, determine that there are feature of risk in the log-on data of the trade company Data.

In the case where the trade company is there is no record is safeguarded, determine that there are feature of risk in the log-on data of the trade company Data.

Obtain the scope of operation of trade company described in the log-on data；

By the scope of operation of the trade company compared with Risk Content；

In the case of the scope of operation hit Risk Content of the trade company, determine exist in the log-on data of the trade company Feature of risk data.

Obtain the industry belonging to trade company described in the log-on data；

In the case where the industry belonging to the trade company is not low-risk industry, determine to deposit in the log-on data of the trade company In feature of risk data.

Preferably, the operation data according to trade company in group of the potential risk trade company, judges the potential risk Whether trade company is risk trade company in group of trade company, is specifically included：

Trade company's total amount of merchandising in the duration of setting is more than threshold value in group of the potential risk trade company, determines described Trade company is risk trade company in group of potential risk trade company.

In group of the potential risk trade company in the association trade company of trade company there are identified risk trade company in the case of, Determine that trade company is risk trade company in group of the potential risk trade company.

Preferably, the operation data according to trade company in group of trade company's potential risk trade company, judges described potential Whether trade company is risk trade company in group of risk trade company, is specifically included：

Judge whether the Third-party payment interface of trade company's signing in group of the potential risk trade company is used for the warp of the trade company Seek outside scope；

The Third-party payment interface that trade company contracts in group of the potential risk trade company is used for the business scope of the trade company Outside in the case of, determine that trade company is risk trade company in group of the potential risk trade company.

In the case that the Third-party payment interface of trade company is by other trade company's uses in group of the potential risk trade company, really Trade company is risk trade company in group of the fixed potential risk trade company.

Preferably, whether the Third-party payment interface for judging trade company in group of the potential risk trade company is by other business Family uses, and specifically includes：

Judge whether described address positional information changes；

In the case where described address positional information changes, of trade company in group of the potential risk trade company is determined Tripartite's payment interface is used by other trade companies.

In the embodiment of above-mentioned electronic equipment, it should be appreciated that the processor can be central processing unit (English： Central Processing Unit, referred to as：CPU), it can also be other general processors, digital signal processor (English： Digital Signal Processor, referred to as：DSP), application-specific integrated circuit (English：Application Specific Integrated Circuit, referred to as：ASIC) etc..General processor can be microprocessor or the processor can also be Any conventional processor etc., and foregoing memory can be read-only storage (English：Read-only memory, abbreviation： ROM), random access memory (English：Random access memory, referred to as：RAM), flash memory, hard disk or solid State hard disk.The step of method with reference to disclosed in the embodiment of the present invention, can be embodied directly in hardware processor and perform completion, or Hardware and software module combination in person's processor perform completion.

Each embodiment in this specification is described by the way of progressive, identical similar portion between each embodiment Divide mutually referring to what each embodiment stressed is the difference with other embodiment.Set especially for electronics For standby embodiment, since it is substantially similar to embodiment of the method, so description is fairly simple, related part is real referring to method Apply the part explanation of example.

Those skilled in the art will readily occur to this specification after considering specification and putting into practice invention disclosed herein Other embodiments.This specification is intended to any variations, uses, or adaptations of this specification, these modifications, Purposes or adaptive change follow the general principle of this specification and undocumented in the art including this specification Common knowledge or conventional techniques.Description and embodiments be considered only as it is exemplary, the true scope of this specification and Spirit is pointed out by following claim.

It should be appreciated that the precision architecture that this specification is not limited to be described above and is shown in the drawings, And various modifications and changes may be made without departing from the scope thereof.The scope of this specification is only limited by appended claim System.

Claims

1. a kind of Risk Identification Method, the described method includes：

The log-on data of trade company is obtained from group of trade company to be identified；Wherein, the data submitted when log-on data is enrolled merchant；

According to the operation data of trade company in group of the potential risk trade company, judge that trade company is in group of the potential risk trade company No is risk trade company.

2. according to the method described in claim 1, the trade company is Xian Xia trade companies.

3. according to the method described in claim 1, it whether there is feature of risk number in the log-on data for judging the trade company According to specifically including：

Judge whether trade company's property is personal trade company in the log-on data of the trade company；Wherein, trade company's property includes individual Trade company and trade company of enterprise；

In the case where trade company's property is personal trade company, determine that there are feature of risk number in the log-on data of the trade company According to.

4. according to the method described in claim 1, it whether there is feature of risk number in the log-on data for judging the trade company According to specifically including：

In the case where the trade company is there is no record is safeguarded, determine that there are feature of risk number in the log-on data of the trade company According to.

5. according to the method described in claim 1, it whether there is feature of risk number in the log-on data for judging the trade company According to specifically including：

Obtain the scope of operation of trade company described in the log-on data；

By the scope of operation of the trade company compared with Risk Content；

In the case of the scope of operation hit Risk Content of the trade company, determine that there are risk in the log-on data of the trade company Characteristic.

6. according to the method described in claim 1, it whether there is feature of risk number in the log-on data for judging the trade company According to specifically including：

Obtain the industry belonging to trade company described in the log-on data；

In the case where the industry belonging to the trade company is not low-risk industry, determine that there are wind in the log-on data of the trade company Dangerous characteristic.

7. according to the method described in claim 1, the operation data according to trade company in group of the potential risk trade company, sentences Whether trade company is risk trade company in group of the disconnected potential risk trade company, is specifically included：

Trade company's total amount of merchandising in the duration of setting is more than threshold value in group of the potential risk trade company, determines described potential Trade company is risk trade company in group of risk trade company.

8. according to the method described in claim 1, the operation data according to trade company in group of the potential risk trade company, sentences Whether trade company is risk trade company in group of the disconnected potential risk trade company, is specifically included：

In group of the potential risk trade company in the association trade company of trade company there are identified risk trade company in the case of, determine Trade company is risk trade company in group of the potential risk trade company.

9. according to the method described in claim 1, the operation data according to trade company in group of the potential risk trade company, sentences Whether trade company is risk trade company in group of the disconnected potential risk trade company, is specifically included：

The history of trade company complains number to determine the potential wind more than in the case of threshold value in group of the potential risk trade company Trade company is risk trade company in dangerous group of trade company.

10. according to the method described in claim 1, the operation data according to trade company in group of the potential risk trade company, Judge that whether trade company is risk trade company in group of the potential risk trade company, is specifically included：

In the case that complaint number in group of the potential risk trade company in trade company's nearest cycle is more than threshold value, determine described Trade company is risk trade company in group of potential risk trade company.

11. according to the method described in claim 1, the operation data according to trade company in group of the potential risk trade company, Judge that whether trade company is risk trade company in group of the potential risk trade company, is specifically included：

Judge that what whether Third-party payment interface that trade company in group of the potential risk trade company contracts be used for the trade company manages model Outside enclosing；

The Third-party payment interface that trade company contracts in group of the potential risk trade company is used for outside the business scope of the trade company In the case of, determine that trade company is risk trade company in group of the potential risk trade company.

12. according to the method described in claim 1, the operation data according to trade company in group of the potential risk trade company, Judge that whether trade company is risk trade company in group of the potential risk trade company, is specifically included：

In the case that the Third-party payment interface of trade company is by other trade company's uses in group of the potential risk trade company, institute is determined It is risk trade company to state trade company in group of potential risk trade company.

13. the method according to power come requirement 12, the third party's branch for judging trade company in group of the potential risk trade company Pay whether interface is used by other trade companies, specifically include：

Obtain the geographical location information that trade company in group of the potential risk trade company completes transaction by Third-party payment interface；

Judge whether described address positional information changes；

In the case where described address positional information changes, the third party of trade company in group of the potential risk trade company is determined Payment interface is used by other trade companies.

14. a kind of risk identification device, described device include：

Acquiring unit, obtains the log-on data of trade company from group of trade company to be identified；Wherein, carried when log-on data is enrolled merchant The data of friendship；

Screening unit, filters out there are the trade company of feature of risk data, and is included in group of potential risk trade company；

Recognition unit, according to the operation data of trade company in group of the potential risk trade company, judges the potential risk trade company group Whether Zu Zhong trade companies are risk trade company.

15. a kind of electronic equipment, including：

Processor；

For storing the memory of processor-executable instruction；

Wherein, the processor is configured as：