CN109191129A - A kind of air control method, system and computer equipment - Google Patents
A kind of air control method, system and computer equipment Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G06Q30/00—Commerce
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Abstract
This specification embodiment provides a kind of air control method, system and computer equipment, obtains the first risk information of transaction agent；Obtain the second risk information for the user that is benefited in trade company's processing subsystem；Risk identification is carried out to current transaction according to the first risk information and the second risk information, obtains risk identification result.
Description
Technical field
The invention belongs to Internet technical field more particularly to a kind of air control methods, system and computer equipment.
Background technique
With the fast development that internet third party is paid, the online demand for receiving list is carried out using network payment and scene is got over
Come it is more, while also have criminal using the network trading platform of Shou Dan trade company carry out fraud write off.For example, fraudster can be
The network trading platforms such as game, electric business login account and by the channels such as social media induction deception payment user to the account into
Row payment is supplemented with money, realizes the realization that writes off by the modes such as resell at a low price after fund to account.
Therefore, need to provide the network trading platform pair that more reliable scheme utilizes Shou Dan trade company to avoid fraudster at present
User avoids payment user by economic loss into swindle.
Summary of the invention
In view of the problems of the existing technology, the embodiment of the invention provides a kind of air control method, system and computers to set
It is standby.
In a first aspect, this specification embodiment provides a kind of air control processing method, comprising:
Obtain currently trade corresponding transaction agent the first risk information and the corresponding benefited user that currently trades
The second risk information；
Risk identification is carried out to the current transaction according to first risk information and second risk information, is obtained
Risk identification result；
The risk identification result is judged whether within the scope of preconfigured risk threshold value, if so, to described current
The corresponding benefited user that trades carries out decision-making treatment.
Second aspect, this specification embodiment provide a kind of air control processing system, comprising: following described in any item air controls
System, and trade company's processing subsystem for carrying out air control processing.
The third aspect, this specification embodiment provide a kind of air control method, comprising:
Obtain currently trade corresponding transaction agent the first risk information and the corresponding benefited user that currently trades
The second risk information；
Risk identification is carried out to the current transaction according to first risk information and second risk information, is obtained
Risk identification result.
Fourth aspect, this specification embodiment provide a kind of air control system, the system comprises: payment data subsystem and
Air control processing subsystem；Wherein,
The payment data subsystem, for obtaining the first risk information of corresponding transaction agent of currently trading, by institute
It states the second risk information and is sent to the air control processing subsystem；
The air control processing subsystem obtains trade company's processing subsystem for being communicated with trade company processing subsystem
It currently trades described in system the second risk information of corresponding benefited user；And according to first risk information and described
Two risk informations carry out risk identification to the current transaction, obtain risk identification result.
5th aspect, this specification embodiment provide a kind of method for carrying out air control processing, comprising:
Receive risk identification as a result, the risk identification result be the air control system be based on it is described currently trade it is corresponding
What the first risk information of transaction agent and second risk information for currently trading corresponding benefited user identified；
The risk identification result received is judged whether within the scope of preconfigured risk threshold value, if so, right
The corresponding benefited user that currently trades carries out decision-making treatment.
6th aspect, this specification embodiment provide it is a kind of for carrying out trade company's processing subsystem of air control processing, it is described
The second risk information for the corresponding benefited user that currently trades is sent to described by trade company's processing subsystem and air control system communication
Air control system, comprising:
Second data receipt unit, for receiving risk identification as a result, the risk identification result is the air control system
Of the first risk information and the corresponding benefited user that currently trades based on the corresponding transaction agent of currently trading
What two risk informations identified；
First configuration unit, for being pre-configured with the risk threshold value range of the risk identification result；
Decision package, for judge the risk identification result received whether within the scope of the risk threshold value, if
It is that decision-making treatment then is carried out to the corresponding benefited user that currently trades.
7th aspect, this specification embodiment provide a kind of computer equipment, including memory, processor and are stored in
On reservoir and the computer program that can run on a processor, the processor realize any of the above-described institute when executing described program
The step of stating air control method, method and air control processing method for carrying out air control processing.
Eighth aspect, this specification embodiment provide a kind of computer readable storage medium, are stored thereon with computer journey
Sequence realizes air control method, the method for carrying out air control processing and wind described in any of the above-described when the program is executed by processor
The step of controlling processing method.
This specification embodiment has the beneficial effect that:
In this specification embodiment, by obtaining the first risk data of transaction agent and the second risk number of benefited user
According to, recycle the first risk information and the second risk information to carry out risk identification to current transaction, it is benefited because considering simultaneously
The risk information of user and transaction agent expands the coverage rate of risk information, so as to improve the standard of risk of fraud identification
True rate, and transaction agent can be reminded currently to trade existing risk, avoid transaction agent by economic loss.
Detailed description of the invention
Fig. 1 is this specification embodiment air control application scenarios schematic diagram；
Fig. 2 is this specification embodiment first aspect air control processing method flow diagram；
Fig. 3 is this specification embodiment second aspect air control processing system overall structure diagram；
Fig. 4 is this specification embodiment second aspect payment data subsystem overall structure diagram；
Fig. 5 is trade company's processing subsystem overall structure diagram of this specification embodiment second aspect and the 6th aspect；
Fig. 6 is this specification embodiment second aspect air control processing subsystem overall structure diagram；
Fig. 7 is this specification embodiment third aspect air control method flow schematic diagram；
Fig. 8 is this specification embodiment fourth aspect air control system structure diagram；
Fig. 9 is the 5th aspect of this specification embodiment for carrying out the method flow schematic diagram of air control processing；
Figure 10 is the 7th aspect computer equipment structural schematic diagram of this specification embodiment.
Specific embodiment
In order to better understand the above technical scheme, below by attached drawing and specific embodiment to this specification embodiment
Technical solution be described in detail, it should be understood that the specific features in this specification embodiment and embodiment are to this explanation
The detailed description of book embodiment technical solution, rather than the restriction to this specification technical solution, in the absence of conflict,
Technical characteristic in this specification embodiment and embodiment can be combined with each other.
It referring to Figure 1, is the air control application scenarios schematic diagram of this specification embodiment.First terminal 100 and second terminal
101 are located at user side, and first terminal 100 can be the corresponding terminal of benefited user, and second terminal 101 can be transaction agent pair
The terminal answered is communicated with the server of network side 200 respectively.Trading processing client 102 in first terminal 100 and
Trading processing client 103 in two terminals 101 can be APP or the website that business is realized based on internet, provide for user
Risk data is simultaneously supplied to network side and handled by the interface of transaction；Air control system 201 in server 200 is used for transaction
Risk trade involved in processing client 103 is identified.This illustrates that transaction agent mainly includes payment user in embodiment.
This specification embodiment is directed to the fraud based on network trading platforms such as gaming platform, electric business platforms.It is benefited
User and payment user can carry some risk datas, and this specification embodiment is first by the risk data and friendship of benefited user
The risk information of easy main body merges processing, extracts feature of risk information；Feature of risk is recycled to carry out wind to current transaction
Danger identification can achieve the purpose that the user that avoids being benefited carries out telecommunication fraud by network trading platform.
In a first aspect, this specification embodiment provides a kind of air control processing method, referring to FIG. 2, method includes step
S210~S212.
S210 obtains the first risk information of corresponding transaction agent of currently trading and the corresponding benefited user that currently trades
The second risk information；
In an optional implementation manner, the account ID based on corresponding transaction agent of currently trading utilizes payment number
The first risk information of transaction agent is obtained according to subsystem, when the first risk information includes: the payment amount for paying user, payment
Between, name of firm and one of the account maturity or a variety of for paying user, naturally it is also possible to including other information, herein not
It illustrates again.Pay user account maturity can according to payment user account registion time, pay user active degree
Etc. determining；Registion time is longer, active degree is higher, then the account maturity of payment user is also higher；This specification
The account maturity that user is paid in embodiment includes 1~10 grade.
After getting the first risk information, because the data format of the first risk information may be unsatisfactory for air control processing subsystem
The data format requirement of system, therefore the data format that need to be also provided according to air control processing subsystem, by the number of the first risk information
The data format of air control processing subsystem support is converted into according to format.In practical application, payment data subsystem may include
Tripartite's payment mechanism, such as Alipay etc..
In an optional implementation manner, the second risk information for the user that is benefited is obtained using trade company's processing subsystem；
Specifically receive the second risk information for the benefited user that Shou Dan trade company is sent by messaging function API；Shou Dan trade company one
As the businessmans of transaction funds receipt and payment is carried out including the use of Third-party payment mechanism, for example Shou Dan trade company may include but be not limited to: electricity
Quotient's platform, takes out platform or taxi taking platform etc. at gaming platform.
Second risk information includes: account number ID, account grade, the account registion time, account registration of benefited user
Internet protocol address, order generate the time, order generate IP address and benefited user biological information mark in
It is one or more, naturally it is also possible to including other information；Biological information mark may include: the fingerprint, iris, Gong of benefited user
Film and/or vocal print etc..The account grade of benefited user is usually determining according to payment times, payment amount of the user that is benefited etc.
, the payment times for the user that is benefited are more, payment amount is bigger, and the account higher grade for the user that is benefited；This specification is implemented
The account grade of benefited user includes 1~10 grade in example.
Same reason, because the data format of the second risk information got may be unsatisfactory for air control processing subsystem
Data format requirement, therefore need to also according to air control processing subsystem provide data format, by the data of the second risk information
Format is converted into the data format of air control processing subsystem support.
S211 carries out risk identification to current transaction according to first risk information and second risk information, obtains
Obtain risk identification result.
In an optional implementation manner, " according to first risk information and second risk information to current
Transaction carries out risk identification, obtains risk identification result " it include: to be believed according to preset feature of risk standard first risk
Breath and second risk information merge processing, extract feature of risk information；
Based on the feature of risk information, current transaction is identified according to preconfigured anti-fraud model, is obtained
Risk identification result.
Here, because the first risk information and the second risk information include that a variety of, not all risk informations all has
Feature of risk, it is therefore desirable to according to preset feature of risk standard to first risk information and second risk information
Processing is merged, feature of risk information is extracted.Wherein, the mode of merging treatment may include screening or filtering etc..
Feature of risk information includes: direct feature of risk information and risk cumulant variable；Direct feature of risk information represents
The feature of risk information that directly can be directly determined according to feature of risk standard.Feature of risk standard includes for portraying transaction
The mark of degree of risk, for example the IP address of account registration for the user that is benefited is that equal high-risk areas are registered overseas, then can
Think that the registering IP address is feature of risk information；The rank of the account grade of user of being benefited and the account maturity of payment user
When lower, it may be determined that be benefited user account grade and pay user account maturity be also feature of risk information etc..
Same reason, if the account registration IP for the user that is benefited is not to wait high-risk areas to register overseas, then it is assumed that the registration
IP address be not feature of risk information, when determining feature of risk information, then the IP address of the registration can be filtered out.
Risk cumulative variations mentioned here may include the variable within certain a period of time with regularity, for example, if
Certain network trading platform is gambling platform, and since this platform has stringent temporal regularity, buying if buying out generally can be
It trades in some fixed point moment or certain time period, then time and time of payment that order generates just have certain rule
Order thus can be generated the time and the time of payment regards risk cumulative variations as by rule property.
After extracting feature of risk information, anti-fraud model is configured, anti-model of cheating includes: anti-fraudulent policies and anti-fraud
Model algorithm, the anti-fraud model algorithm of embodiment can include but is not limited to following several in this specification: based on anti-fraud
Identification tree, convolutional neural networks, BP neural network or deep neural network etc.；Anti- fraudulent policies are mainly used for determining use of being benefited
Whether the registering IP address of family account is high-risk areas IP and the account grade of benefited user；Determine payment user and benefited user
Relational network, for example whether payment user be direct good friend or indirect good friend (payment user and benefited with benefited user
Whether good friend node is had between the relation chain of user)；Or determine payment user account grade maturity and benefited user
Risk class etc..
After anti-fraud model configures, anti-fraudulent policies are based on, utilize anti-fraud model algorithm and feature of risk information
Risk identification is carried out to current transaction, a risk identification result and relevant case information are finally predicted and export, by risk
Recognition result and case information are sent in trade company's processing subsystem.Risk identification result may include that the risk of this time transaction is commented
Point, in general, risk score is higher, then the risk for representing this time transaction is higher；And case information includes commenting this risk
The reasons why dividing, so that trade company's processing subsystem can divide this transaction according to risk identification result and case information again
Analysis.For example it can use the feature of risk information of benefited user to portray the feature of fraudster, when the account for determining benefited user
When registering the registered place area of IP positioned at high-risk areas overseas, determine that the risk of this time transaction is higher；Alternatively, simultaneously to benefited user
Account grade and pay user account maturity analyze, if be benefited user account grade and pay user account
When maturity is lower, determines that the risk of this time transaction is very high, fraudulent trading can be defined as substantially, then corresponding risk
Scoring will be high.
S212 judges the risk identification result whether within the scope of preconfigured risk threshold value, if so, to described
The corresponding benefited user that currently trades carries out decision-making treatment.
After getting risk identification result, because trade company's processing subsystem may be collected into the more information of benefited user,
Whether these information not necessarily can all be sent to air control processing subsystem, therefore judging the risk identification result preparatory
Before within the scope of the risk threshold value of configuration, it can also be matched according to risk threshold value range of these information to risk identification result
It sets, risk threshold value range also is understood as being the risk score range this time traded, and the push range of case information is understood that
For the screening range to scoring reason.
For example, the case information that air control processing subsystem is sent includes to the registering IP address of benefited user account, registration
The analysis of the information such as time, account grade, but trade company's processing subsystem thinks the analysis carried out to registion time without reference to valence
Value is only received to benefited use then can fall the analysis information filtering of registion time when configuring the push range of case information
The analysis of account the registration IP, account grade at family.
After risk threshold value range configures, judge the risk identification result received whether in the risk threshold value
In range, if so, determining that current transaction is risk trade, the user that is benefited is risk subscribers, to the account of the benefited user
It is managed.
For example, risk identification result is 20, the risk score for representing this time transaction is 20 points, if risk threshold value range is not
Less than 15, then it is determined that this time transaction is high-risk transactions, then decision-making treatment can be carried out to the benefited user, such as to benefited
The account of user is managed.Here, have centainly because the user that is benefited receives the message for paying and successfully paying and goes to write off often again
Time, for example can complete within 10~20 minutes to write off after cheating successfully, can be to benefited user's then during this period of time
Account is managed, for example is freezed, closed or nullified, and the loss of payment user is avoided.
In this specification embodiment, merged by the risk data of risk data and transaction agent to benefited user
Feature of risk information is extracted in processing, and feature of risk is recycled to carry out risk identification to current transaction, benefited because considering simultaneously
The feature of risk of user and transaction agent expands the coverage rate of feature of risk, can precisely identify this time whether transaction is fraud
Transaction, the accuracy rate of identification can at least promote 20%；And risk identification result is sent to trade company's processing subsystem, trade company's processing
Subsystem can timely and effectively manage fraudster's account, and the fraud of benefited user is controlled from source, is mentioned
The overall effect for having risen fraud prevention and control reaches the user that avoids being benefited by network trading platform and carries out telecommunication fraud, and then avoids
Purpose of the user by economic loss is paid, the confidence level of network trading platform is also improved.
Second aspect, based on the same inventive concept, this specification embodiment provide a kind of air control processing system, please refer to figure
3, air control system includes: payment data subsystem 31, air control processing subsystem 32 and trade company's processing subsystem 33；Wherein,
Payment data subsystem 31 sends out the first risk information for obtaining the first risk information of current transaction agent
It send to air control processing subsystem 32；First risk information include: pay the payment amount of user, the time of payment, name of firm and
Pay one of account maturity of user or a variety of, naturally it is also possible to including other information, no longer illustrate herein.Payment is used
The account maturity at family can be determined according to the account registion time of user, active degree of payment user etc. is paid；Registration
Time is longer, active degree is higher, then the account maturity of payment user is also higher；It pays and uses in this specification embodiment
The account maturity at family includes 1~10 grade.
Trade company's processing subsystem 33 is used to obtain the second risk information of benefited user, air control processing subsystem 32 be used for
Trade company's processing subsystem 33 is communicated, and the corresponding benefited user that currently trades described in trade company's processing subsystem 33 is obtained
The second risk information；And current transaction is identified according to the first risk information and the second risk information, obtain risk
Recognition result, and risk identification result is sent to trade company's processing subsystem 33, trade company's processing subsystem 33 is according to described
Risk identification result carries out decision-making treatment to the benefited user；Wherein, current transaction is between benefited user and transaction agent
The transaction of progress.
Second risk information includes: account number ID, account grade, the account registion time, account registration of benefited user
Internet protocol address, order generate the time, order generate IP address and benefited user biological information mark in
It is one or more, naturally it is also possible to including other information；Biological information mark may include: the fingerprint, iris, Gong of benefited user
Film and/or vocal print etc..The account grade of benefited user is usually determining according to payment times, payment amount of the user that is benefited etc.
, the payment times for the user that is benefited are more, payment amount is bigger, and the account higher grade for the user that is benefited；This specification is implemented
The account grade of benefited user includes 1~10 grade in example.
In an optional implementation manner, referring to FIG. 4, payment data subsystem 31 includes: the first data acquisition list
First 41, first data processing unit 42 and the first data transmission unit 43；
First data capture unit 41, the first risk for obtaining transaction agent according to the account ID of transaction agent are believed
Breath.
Here, the transaction data of magnanimity is contained in payment data subsystem 31, it is therefore desirable to according to the transaction agent
Account ID obtain transaction agent the first risk information；In practical application, payment data subsystem 31 may include third party
Payment mechanism, such as Alipay etc..
Because the data format of the first risk information may be unsatisfactory for the data format requirement of air control processing subsystem 32, because
This first data processing unit 42 is used for the data format provided according to air control processing subsystem 32, by the number of the first risk information
The data format of the support of air control processing subsystem 32 is converted into according to format.
First data transmission unit 43 is used to for the first risk information after Data Format Transform being sent to air control processing
System 32.
In an optional implementation manner, referring to FIG. 5, trade company's processing subsystem 33 includes: the second data acquisition list
First 51, second data processing unit 52, the second data transmission unit 53；
Second data capture unit 51 is used to receive the benefited user's that Shou Dan trade company is sent by messaging function API
Second risk information；Shou Dan trade company generally comprises the businessman that transaction funds receipt and payment are carried out using Third-party payment mechanism, for example receives
Single trade company may include but be not limited to: electric business platform, takes out platform or taxi taking platform etc. at gaming platform.
The data format of same reason, the second risk information got by the second data capture unit 51 may not
Meet the data format requirement of air control processing subsystem 32, therefore the second data processing unit 52 is used to handle subsystem according to air control
The data format that system 32 provides, the data lattice that the Data Format Transform of the second risk information is supported at air control processing subsystem 32
Formula.
Second data transmission unit 53 is used to for the second risk information after Data Format Transform being sent to air control processing
System 32.
In an optional implementation manner, referring to FIG. 6, air control processing subsystem 32 includes:
First data receipt unit 61, for receiving first risk information and second risk information.Actually answer
In, the first data cell 61 can be by realizing, in order to reduce air control processing subsystem for the gateway unit to external interface
32 processing load, gateway unit are used to carry out authentication management to external interface, and the user to meet the requirements provides communication authority,
The user met the requirements is communicated by gateway unit with air control processing subsystem 32.External interface may include
The corresponding interface of trade company's processing subsystem 33 and the corresponding interface of payment data subsystem 31；By taking trade company's processing subsystem as an example into
Row explanation, in general, because Shou Dan trade company includes that very much, corresponding trade company's processing subsystem also includes very much, if not right
External interface carries out authentication management, and all trade company's processing subsystems can pass through corresponding interface and air control processing subsystem
32 are communicated, and thus will increase the processing load of air control processing subsystem 32.Therefore, in order to reduce air control processing subsystem
32 processing load, improves treatment effeciency, and gateway unit is only that the trade company's processing subsystem having an agreement in advance provides communication authority.
The trade company's processing subsystem having an agreement in advance may include: at the trade company's processing subsystem signed an agreement under line or default trade company
It is same company that both reason subsystem and air control processing subsystem 32, which belong to,；The user that so meets the requirements it is also assumed that
It is the trade company's processing subsystem having an agreement in advance.
Feature combining unit 62 is used for according to preset feature of risk standard to first risk information and described second
Risk information merges processing, extracts feature of risk information；The mode of merging treatment may include screening or filtering etc..
Because the first risk information and the second risk information include that a variety of, not all risk informations all has risk special
Sign, it is therefore desirable to first risk information and second risk information be closed to according to preset feature of risk standard
And handle, feature of risk information is extracted, feature of risk information includes: direct feature of risk information and risk cumulant variable；Directly
Dangerous characteristic information of giving a dinner for a visitor from afar represents the feature of risk information that directly can directly determine according to feature of risk standard.Feature of risk mark
Standard includes the mark for portraying transaction risk degree, for example the IP address of account registration for the user that is benefited is high-risk overseas etc.
Area registration, then it is assumed that the registering IP address is feature of risk information；The account grade of benefited user and payment user
Account maturity rank it is lower when, it may be determined that be benefited user account grade and pay user account maturity be also
Feature of risk information etc..Same reason, if the account registration IP for the user that is benefited is not to wait high-risk areas to register overseas,
Then it is assumed that the IP address of the registration is not feature of risk information, it, then can be by the registration when determining feature of risk information
IP address filters out.
Risk cumulative variations mentioned here may include the variable within certain a period of time with regularity, for example, if
Certain network trading platform is gambling platform, and since this platform has stringent temporal regularity, buying if buying out generally can be
It trades in some fixed point moment or certain time period, then time and time of payment that order generates just have certain rule
Order thus can be generated the time and the time of payment regards risk cumulative variations as by rule property.
Second configuration unit 63, for configuring anti-fraud model, anti-model of cheating includes: anti-fraudulent policies and counter cheats mould
Type algorithm, the anti-fraud model algorithm of embodiment can include but is not limited to following several in this specification: be cheated based on counter
Identify tree, convolutional neural networks, BP neural network or deep neural network etc.；Anti- fraudulent policies are mainly used for determining the user that is benefited
Whether the registering IP address of account is high-risk areas IP and the account grade of benefited user；Determine payment user and benefited user's
Whether whether relational network, such as payment user are direct good friend or indirect good friend (payment user and use of being benefited with benefited user
Whether good friend node is had between the relation chain at family)；Or determine the account grade maturity of payment user and the wind of benefited user
Dangerous grade etc..
Air control engine unit 64 can be based on anti-fraudulent policies, using anti-fraud model algorithm and feature of risk information to working as
Preceding transaction carries out risk identification, finally predicts and export a risk identification result and relevant case information.Risk identification knot
Fruit may include the risk score of this time transaction, and in general, risk score is higher, then the risk for representing this time transaction is higher；
And case information the reasons why including to this risk score, for trade company's processing subsystem 33 can according to risk identification result and
Case information analyzes this transaction again.For example it can use the feature of risk information of benefited user to portray fraudster
Feature determine and this time trade when determining that the registered place area of account registration IP of benefited user is located at high-risk areas overseas
Risk is higher；Alternatively, analyzing simultaneously the account maturity of the account grade of benefited user and payment user, used if being benefited
When the account grade at family and the account maturity for paying user are lower, determine that the risk of this time transaction is very high, it substantially can be with
It is defined as fraudulent trading, then corresponding risk score will be high.
After air control engine unit 64 obtains risk identification result and case information, by risk identification result and case information
It is sent in trade company's processing subsystem 33.Here, with continued reference to FIG. 5, trade company's processing subsystem 33 further include:
Second data receipt unit 54, for receiving risk identification result；
First configuration unit 55 is used to be pre-configured with the push of the risk threshold value range and case information of risk identification result
Range；
Because trade company's processing subsystem 33 may be collected into the more information of benefited user, these information not necessarily can be whole
It is sent to air control processing subsystem 32, therefore the first configuration unit 55 can also be according to these information to the risk of risk identification result
Threshold range is configured, and risk threshold value range also is understood as being the risk score range this time traded, and case information pushes away
Range is sent to can be understood as the screening range to scoring reason.
For example, the case information that air control processing subsystem 32 is sent includes registering IP address, the note to benefited user account
The analysis of the information such as volume time, account grade, but trade company's processing subsystem 33 thinks that the analysis carried out to registion time is not joined
Examine value, then configure case information push range when, the analysis information filtering of registion time can be fallen, only receive to by
The analysis of account the registration IP, account grade of beneficial user.
Decision package 56 for judge the risk identification result received whether within the scope of the risk threshold value, if
It is, it is determined that current transaction is risk trade, the user that is benefited is risk subscribers, is managed to the account of the benefited user.
For example, risk identification result is 20, the risk score for representing this time transaction is 20 points, if risk threshold value range is not
Less than 15, then decision package 46 determines that this time transaction is high-risk transactions, then decision-making treatment can be carried out to the benefited user,
For example the account of benefited user is managed.Here, it goes to write off again because the user that is benefited receives the message for paying and successfully paying
Often there is the regular hour, for example can complete within 10~20 minutes to write off after cheating successfully, then during this period of time, decision list
Member 56 can manage the account of benefited user, for example freezed, closed or nullified, and the loss of payment user is avoided.
In this specification embodiment, merged by the risk data of risk data and transaction agent to benefited user
Feature of risk information is extracted in processing, and feature of risk is recycled to carry out risk identification to current transaction, benefited because considering simultaneously
The feature of risk of user and transaction agent expands the coverage rate of feature of risk, can precisely identify this time whether transaction is fraud
Transaction, the accuracy rate of identification can at least promote 20%；And risk identification result is sent to trade company's processing subsystem, trade company's processing
Subsystem can timely and effectively manage fraudster's account, and the fraud of benefited user is controlled from source, is mentioned
The overall effect for having risen fraud prevention and control reaches the user that avoids being benefited by network trading platform and carries out telecommunication fraud, and then avoids
Purpose of the user by economic loss is paid, the confidence level of network trading platform is also improved.
The third aspect, based on the same inventive concept, this specification embodiment provide a kind of air control method, referring to FIG. 7, side
Method includes: including step S710~S711.
S710 obtains the first risk information of corresponding transaction agent of currently trading and the corresponding benefited user that currently trades
The second risk information；
S711 carries out risk knowledge to the current transaction according to first risk information and second risk information
Not, risk identification result is obtained.
After obtaining risk identification, risk identification is sent to corresponding trade company's processing subsystem of currently trading as a result, risk is known
Other result carries out decision-making treatment to the corresponding benefited user that currently trades accordingly for trade company's processing subsystem.
Fourth aspect, based on the same inventive concept, this specification embodiment provide a kind of air control system, referring to FIG. 8, wind
Control system includes: payment data subsystem 31 and air control processing subsystem 32；Wherein,
The payment data subsystem 31 will for obtaining the first risk information of corresponding transaction agent of currently trading
First risk information is sent to air control processing subsystem 32；
The air control processing subsystem 32 is communicated for providing trade company's processing subsystem 33 with first aspect, is obtained
It currently trades described in trade company's processing subsystem 33 the second risk information of corresponding benefited user；And according to described
One risk information and second risk information carry out risk identification to the current transaction, obtain risk identification result.
Risk identification result is sent to trade company's processing subsystem 33, the risk identification result handles subsystem for trade company
System 33 carries out decision-making treatment to benefited user accordingly.
5th aspect, based on the same inventive concept, this specification embodiment also provides a kind of for carrying out air control processing
Method, applied to the 5th aspect trade company's processing subsystem in, with reference to Fig. 9, comprising: step S910~S911；
S910 receives risk identification as a result, the risk identification result is that air control system is based on corresponding friendship of currently trading
What the first risk information and second risk information for currently trading corresponding benefited user of easy main body identified；
Wherein, the first risk information in air control system based on corresponding transaction agent of currently trading and the current transaction
The second risk information of corresponding benefited user identifies before risk identification result, further includes: sends and is benefited to air control system
The second risk information of user.
In an optional implementation manner, before reception risk identification result, comprising:
Receive the second risk information for the benefited user that Shou Dan trade company sends；
The data format that the Data Format Transform of second risk information is supported at air control system；
Second risk information after Data Format Transform is sent to air control system.
S911 judges the risk identification result whether within the scope of preconfigured risk threshold value, if so, to current
The corresponding benefited user that trades carries out decision-making treatment.
6th aspect, based on the same inventive concept, this specification embodiment also provides a kind of for carrying out air control processing
The air control system communication that trade company's processing subsystem 33, trade company's processing subsystem 33 and the third aspect provide, will currently trade correspondence
The second risk information of benefited user be sent to the air control system, can be wrapped with continued reference to Fig. 5, trade company's processing subsystem 33
It includes:
Second data receipt unit 54, for receiving risk identification as a result, risk identification result is the air control system base
In the corresponding transaction agent of currently trading the first risk information and described currently trade the second of corresponding benefited user
What risk information identified；
First configuration unit 55, for being pre-configured with the risk threshold value range of the risk identification result；
Decision package 56, for judge the risk identification result received whether within the scope of the risk threshold value,
If so, determining that current transaction is risk trade, determines that benefited user is risk subscribers, the benefited user is carried out at decision
Reason.
In an optional implementation manner, trade company's processing subsystem 33 further include:
Second data capture unit 51, the second risk information of the benefited user for receiving the transmission of Shou Dan trade company；
Second data processing unit 52, for by the Data Format Transform of second risk information at the air control system
The data format of support；
Second data transmission unit 53, for second risk information after Data Format Transform to be sent to the wind
Control system.
7th aspect, is based on inventive concept same as previous embodiment air control method, the present invention also provides a kind of calculating
Machine equipment as shown in Figure 10, including memory 1004, processor 1002 and is stored on memory 1004 and can be in processor
The computer program run on 1002, the processor 1002 realize any of air control method described previously when executing described program
The step of method.
Wherein, in Figure 10, bus architecture (is represented) with bus 1000, and bus 1000 may include any number of mutual
The bus and bridge of connection, bus 1000 will include that the one or more processors represented by processor 1002 and memory 1004 represent
The various circuits of memory link together.Bus 1000 can also will such as peripheral equipment, voltage-stablizer and power management electricity
Various other circuits on road or the like link together, and these are all it is known in the art, therefore, no longer carry out herein to it
It further describes.Bus interface 1006 provides interface between bus 1000 and receiver 1001 and transmitter 1003.Receiver
1001 and transmitter 1003 can be the same element, i.e. transceiver, provide for over a transmission medium with various other devices
The unit of communication.Processor 1002 is responsible for management bus 1000 and common processing, and memory 1004 can be used to store
The used data when executing operation of processor 1002.
Eighth aspect, based on the inventive concept with previous embodiment apoplexy prosecutor method, the present invention also provides a kind of computers
Readable storage medium storing program for executing is stored thereon with computer program, when which is executed by processor realize above air control method, for into
Either in the method and air control processing method of row air control processing the step of method.
It should be noted that all the embodiments in this specification are described in a progressive manner, each embodiment it
Between same and similar part may refer to each other, each embodiment focuses on the differences from other embodiments.
For the other embodiments such as method, since it is substantially similar to the air control system embodiment of first aspect, so retouching
That states is fairly simple, and related place illustrates referring to the part of the air control processing system embodiment of first aspect.
This specification is referring to the method, equipment (system) and computer program product according to this specification embodiment
Flowchart and/or the block diagram describes.It should be understood that can be realized by computer program instructions every in flowchart and/or the block diagram
The combination of process and/or box in one process and/or box and flowchart and/or the block diagram.It can provide these computers
Processor of the program instruction to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices
To generate a machine, so that generating use by the instruction that computer or the processor of other programmable data processing devices execute
In setting for the function that realization is specified in one or more flows of the flowchart and/or one or more blocks of the block diagram
It is standby.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of equipment, the commander equipment realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although the preferred embodiment of this specification has been described, once a person skilled in the art knows basic wounds
The property made concept, then additional changes and modifications may be made to these embodiments.So the following claims are intended to be interpreted as includes
Preferred embodiment and all change and modification for falling into this specification range.
Obviously, those skilled in the art can carry out various modification and variations without departing from this specification to this specification
Spirit and scope.In this way, if these modifications and variations of this specification belong to this specification claim and its equivalent skill
Within the scope of art, then this specification is also intended to include these modifications and variations.
Claims (20)
1. a kind of air control method, which is characterized in that the described method includes:
Obtain corresponding transaction agent of currently trading the first risk information and the corresponding benefited user that currently trades the
Two risk informations；
Risk identification is carried out to the current transaction according to first risk information and second risk information, obtains risk
Recognition result.
2. the method as described in claim 1, which is characterized in that after the acquisition risk identification result, further includes:
The risk identification is sent as a result, the risk identification result is used to corresponding trade company's processing subsystem of currently trading
Decision-making treatment is carried out to the corresponding benefited user that currently trades accordingly in trade company's processing subsystem.
3. the method as described in claim 1, which is characterized in that first wind for obtaining corresponding transaction agent of currently trading
Dangerous information, comprising:
The first risk information of the transaction agent is obtained according to the account number ID of the transaction agent；
The data format that the Data Format Transform of first risk information is supported at air control processing subsystem.
4. method as claimed in claim 1 or 3, which is characterized in that first risk information includes: the payment user
One of payment amount, described account grade, time of payment and name of firm for paying user are a variety of.
5. the method as described in claim 1, which is characterized in that second risk information include: benefited user account ID,
The IP that account grade, account registion time, the registration internet protocol address of account, order generation time, order generate
One of the biological information of location and the benefited user mark is a variety of.
6. the method as described in claim 1, which is characterized in that first risk information that the basis receives and described
Second risk information carries out risk identification to the current transaction, obtains risk identification result, comprising:
Processing is merged to first risk information and second risk information according to preset feature of risk standard, is mentioned
Take feature of risk information；
Based on the feature of risk information, risk identification is carried out to the current transaction according to preconfigured anti-fraud model,
Obtain the risk identification result.
7. a kind of air control system characterized by comprising payment data subsystem and air control processing subsystem；Wherein,
The payment data subsystem, for obtaining the first risk information of corresponding transaction agent of currently trading, by described
One risk information is sent to the air control processing subsystem；
The air control processing subsystem obtains in trade company's processing subsystem for being communicated with trade company processing subsystem
The second risk information of the corresponding benefited user that currently trades；And according to first risk information and second wind
Dangerous information carries out risk identification to the current transaction, obtains risk identification result.
8. system as claimed in claim 7, which is characterized in that the air control processing subsystem is also used to:
The risk identification result is sent to trade company's processing subsystem, the risk identification result is at the trade company
It manages subsystem and decision-making treatment is carried out to the benefited user accordingly.
9. system as claimed in claim 7, which is characterized in that the payment data subsystem includes:
First data capture unit obtains the first wind of the transaction agent for the account number ID according to the transaction agent
Dangerous information；
First data processing unit, for by the Data Format Transform of first risk information at the air control processing subsystem
The data format of support；
First data transmission unit is handled for first risk information after Data Format Transform to be sent to the air control
Subsystem.
10. the system as described in claim 7 or 9, which is characterized in that first risk information includes: the branch for paying user
Pay one of the amount of money, described account maturity, time of payment and name of firm for paying user or a variety of.
11. system as claimed in claim 7, which is characterized in that second risk information includes: the account of benefited user
The IP that ID, account grade, account registion time, the registration internet protocol address of account, order generation time, order generate
One of the biological information of address and the benefited user mark is a variety of.
12. system as claimed in claim 7, which is characterized in that the air control processing subsystem includes:
First data receipt unit, for receiving first risk information and second risk information；
Feature combining unit, for being believed according to preset feature of risk standard first risk information and second risk
Breath merges processing, extracts feature of risk information；
Air control engine unit, for being based on the feature of risk information, according to preconfigured anti-fraud model to described current
Transaction is identified, the risk identification result is obtained.
13. a kind of method for carrying out air control processing, which is characterized in that the described method includes:
Risk identification is received as a result, the risk identification result is the of air control system based on corresponding transaction agent of currently trading
What one risk information and second risk information for currently trading corresponding benefited user identified；
The risk identification result is judged whether within the scope of preconfigured risk threshold value, if so, to the current transaction
Corresponding benefited user carries out decision-making treatment.
14. method as claimed in claim 13, which is characterized in that before the reception risk identification result, comprising:
Receive the second risk information for the benefited user that Shou Dan trade company sends；
The data format that the Data Format Transform of second risk information is supported at the air control system；
Second risk information after Data Format Transform is sent to the air control system.
15. a kind of for carrying out trade company's processing subsystem of air control processing, which is characterized in that trade company's processing subsystem and wind
System communication is controlled, the second risk information for the corresponding benefited user that currently trades is sent to the air control system, the trade company
Processing subsystem includes:
Second data receipt unit, for receiving risk identification as a result, the risk identification result is institute from the air control system
State first risk information of the air control system based on the corresponding transaction agent of currently trading and it is described currently trade it is corresponding by
What the second risk information of beneficial user identified；
First configuration unit, for being pre-configured with the risk threshold value range of the risk identification result；
Decision package, for judging the risk identification result whether within the scope of the risk threshold value, if so, working as to described
The preceding corresponding benefited user that trades carries out decision-making treatment.
16. system as claimed in claim 15, which is characterized in that trade company's processing subsystem further include:
Second data capture unit, the second risk information of the benefited user for receiving the transmission of Shou Dan trade company；
Second data processing unit, for support the Data Format Transform of second risk information at the air control system
Data format；
Second data transmission unit, for second risk information after Data Format Transform to be sent to the air control system
System.
17. a kind of air control processing method, which is characterized in that the described method includes:
Obtain corresponding transaction agent of currently trading the first risk information and the corresponding benefited user that currently trades the
Two risk informations；
Risk identification is carried out to the current transaction according to first risk information and second risk information, obtains risk
Recognition result；
The risk identification result is judged whether within the scope of preconfigured risk threshold value, if so, to the current transaction
Corresponding benefited user carries out decision-making treatment.
18. a kind of air control processing system, which is characterized in that the system comprises: the described in any item air controls of claim 7 to 12
For carrying out trade company's processing subsystem of air control processing described in system and claim 15.
19. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, the processor realize that claim 1 to 6, claim 13 and claim 17 are any when executing described program
The step of item the method.
20. a kind of computer readable storage medium, is stored thereon with computer program, power is realized when which is executed by processor
Benefit requires the step of any one of 1 to 6, claim 13 and claim 17 the method.
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