CN110148000A - A kind of security management and control system and method applied to payment platform - Google Patents
A kind of security management and control system and method applied to payment platform Download PDFInfo
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Abstract
This specification provides a kind of security management and control system and method applied to payment platform, the security management and control system includes at least and enters risk supervision module, the access model of the trade company pre-established, the risk score for the material computation trade company submitted when trade company enters platform by trade company, so as to can correspond to after corresponding service provider, trade company receives the risk score and take the different pre- precautionary measures.The energize security management and control of product of safety is extended to complete period link by this programme, and possible money damage is reduced while enhancing the control to trade company's risk.
Description
Technical field
This specification is related to internet area more particularly to a kind of security management and control system and side applied to payment platform
Method.
Background technique
Under the whole business model of current major payment platform (such as Alipay), service provider opens up in the trade company of payment platform
Main function is played during exhibition, payment platform generally includes the multiple service providers being connected directly with platform, and by servicing
What quotient expanded, the multiple trade companies being indirectly connected with platform.These trade companies can be considered the subordinate trade company of service provider, by service provider
Trade company is directly managed, payment platform can open or closed trade company related payment function.
In order to realize the security management and control to trade company, payment platform would generally carry safe product of energizing, and in traditional scheme
In, risk management and control is only capable of covering subsequent link, i.e. current safety energizes product substantially only to service provider's push risk trade
And risk trade company, and these pushed informations belong to the risk having occurred and that, have generated certain money damage to service provider or Alipay, push away
Function is sent only to play the control action to supervention risk.Fail to set up perfect combining with service provider well and controls mode altogether.
Summary of the invention
In view of the above technical problems, this specification embodiment provide a kind of security control method applied to payment platform and
Device, technical solution are as follows:
According to this specification embodiment in a first aspect, providing a kind of security management and control system applied to payment platform, institute
Stating includes multiple service providers in payment platform, multiple subordinate trade companies with the service provider, and the security management and control system is at least wrapped
It includes and enters risk supervision module,
The risk supervision module of entering is used for:
Check information is extracted in information in entering for trade company's submission, the check information is preset for examining
Trade company enters the specific information of risk；
Obtain training in advance enters detection model group, and described enter includes several different entering inspection in detection model group
Survey model, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of which by trade company of detection model
The characteristic training of classification forms；
Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output
In different classes of risk score；
The different classes of risk score is weighted, enters risk for what calculated result was determined as trade company
Value.
According to the second aspect of this specification embodiment, a kind of security control method applied to payment platform, institute are provided
Stating includes multiple service providers in payment platform, multiple subordinate trade companies with the service provider, and the security control method includes:
Check information is extracted in information in entering for trade company's submission, the check information is preset for examining
Trade company enters the specific information of risk；
Obtain training in advance enters detection model group, and described enter includes several different entering inspection in detection model group
Survey model, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of which by trade company of detection model
The characteristic training of classification forms；
Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output
In different classes of risk score；
The different classes of risk score is weighted, enters risk for what calculated result was determined as trade company
Value.
According to the third aspect of this specification embodiment, a kind of computer equipment is provided, including memory, processor and deposit
Store up the computer program that can be run on a memory and on a processor, wherein the processor is realized when executing described program
A kind of security control method applied to payment platform, this method comprises:
Check information is extracted in information in entering for trade company's submission, the check information is preset for examining
Trade company enters the specific information of risk；
Obtain training in advance enters detection model group, and described enter includes several different entering inspection in detection model group
Survey model, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of which by trade company of detection model
The characteristic training of classification forms；
Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output
In different classes of risk score；
The different classes of risk score is weighted, enters risk for what calculated result was determined as trade company
Value.
Technical solution provided by this specification embodiment, the access model of the trade company pre-established, is entered flat in trade company
The risk score for the material computation trade company submitted when platform by trade company, so that corresponding service provider, trade company receives the risk score
Afterwards, it can correspond to and take the different pre- precautionary measures.The energize security management and control of product of safety is extended to complete period link by this programme,
Possible money is reduced while enhancing the control to trade company's risk to damage.
It should be understood that above general description and following detailed description be only it is exemplary and explanatory, not
This specification embodiment can be limited.
In addition, any embodiment in this specification embodiment does not need to reach above-mentioned whole effects.
Detailed description of the invention
In order to illustrate more clearly of this specification embodiment or technical solution in the prior art, below will to embodiment or
Attached drawing needed to be used in the description of the prior art is briefly described, it should be apparent that, the accompanying drawings in the following description is only
The some embodiments recorded in this specification embodiment for those of ordinary skill in the art can also be attached according to these
Figure obtains other attached drawings.
Fig. 1 is that the trade company of the security management and control system shown in one exemplary embodiment of this specification enters one kind of risk supervision
Flow chart；
Fig. 2 is that building for the security management and control system shown in one exemplary embodiment of this specification enters the one of detection model group
Kind flow chart；
Fig. 3 is one kind of the real-time risk supervision of trade company of the security management and control system shown in one exemplary embodiment of this specification
Flow chart；
Fig. 4 is a kind of schematic diagram of the security management and control system shown in one exemplary embodiment of this specification；
Fig. 5 is a kind of structural schematic diagram of computer equipment shown in one exemplary embodiment of this specification.
Specific embodiment
Example embodiments are described in detail here, and the example is illustrated in the accompanying drawings.Following description is related to
When attached drawing, unless otherwise indicated, the same numbers in different drawings indicate the same or similar elements.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 device and method of some aspects be described in detail in attached claims, this specification.
It is only to be not intended to be limiting this explanation merely for for the purpose of describing particular embodiments in the term that this specification uses
Book.The "an" of used singular, " described " and "the" are also intended to packet in this specification and in the appended claims
Most forms are included, unless the context clearly indicates other meaning.It is also understood that term "and/or" used herein is
Refer to and includes that one or more associated any or all of project listed may combine.
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 to for same type of information being distinguished from each other out.For example, not taking off
In the case where this specification range, 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 context, word as used in this " if " can be construed to " ... when " or
" when ... " or " in response to determination ".
Under the whole business model of current major payment platform (such as Alipay), service provider opens up in the trade company of payment platform
Main function is played during exhibition, payment platform generally includes the multiple service providers being connected directly with platform, and by servicing
What quotient expanded, the multiple trade companies being indirectly connected with platform.These trade companies can be considered the subordinate trade company of service provider, by service provider
Trade company is directly managed, payment platform can open or closed trade company related payment function.
In order to realize the security management and control to trade company, payment platform would generally carry safety and energize that (for example Alipay is flat for product
The RiskGo of platform), and in traditional scheme, risk management and control is only capable of covering subsequent link, i.e. current safety product of energizing is basic
Risk trade and risk trade company only are pushed to service provider, and these pushed informations belong to the risk having occurred and that, to service
Quotient or Alipay generate certain money damage, and push function only plays the control action to supervention risk.Fail well with service provider
It sets up perfect joint and controls mode altogether.
In view of the above problems, this specification embodiment provides a kind of security management and control system applied to payment platform, the peace
Full managing and control system can realize the risk prevention system to trade company's Life cycle, and specifically, the risk to trade company's Life cycle is anti-
Control can be divided into risk supervision of entering to trade company, trade company enter after real-time risk supervision and risk joint defence intelligence build three ranks
Section.The prevention and control scheme in each stage is specifically described separately below.
For trade company when entering the prevention and control stage and betiding trade company and enter payment platform, it is flat that security is equipped on payment
Platform carries out entering detection to trade company is entered, and shown in Figure 1, this is entered, and detection method includes the following steps:
S101 extracts check information in entering for trade company's submission in information, the check information is preset use
In the specific information for examining trade company to enter risk；
Specifically, which may include the operation qualification information of trade company, shops's address information, industry letter
Breath, door head photographic intelligence expand the information such as small two qualifications information.
Wherein, small two channels that new trade company is expanded for service provider are expanded, it is also likely to be enterprise that expansion small two, which may be individual,
Small two qualifications information is expanded to refer to expanding small two identity card/business license, bank card information etc..
These message parts are usually the text information that trade company directly submits, and are partially the letters that trade company is submitted with graphic form
Therefore breath when carrying out information extraction, can carry out Text Feature Extraction in the merchant information for the textual form that trade company submits, to obtain
Shops's address information, trade information and the expansion channel qualification information of user；To the certificate information for the graphic form that trade company submits
Image recognition is carried out, the certificate information is resolved to the operation qualification information and door head photographic intelligence of textual form.Finally will
The information that the Text Feature Extraction and image recognition obtain is determined as the check information of trade company.
For example, trade company needs to upload the door head photo of itself, business license picture when entering, status of a legal person demonstrate,proves picture,
Bank card picture etc. image recognition technology (such as OCR identification technology) can be used to know these pictures in this step
Not, to parse picture and extract the text information to be used in picture.
Further, image recognition technology can be used to differentiate one step ahead whether there is PS trace in the picture of trade company's upload,
Whether it is synthesis or forges picture etc., if picture there are problem, first termination process and can notifies trade company to upload correlation again
Data.
S102, obtain training in advance enters detection model group, and described enter in detection model group includes several different
Enter detection model, wherein the characteristic of trade company is divided into several classifications, each enters its corresponding by trade company of detection model
A kind of characteristic training of middle classification forms；
For example, entering for training in advance includes address authenticity detection model, qualification authenticity in detection model group
Detection model, industry authenticity detection model and transaction authenticity detection model are respectively used to the different above-mentioned different types of detection
Merchant information really degree.
S103 will enter detection model group described in check information input, obtain different detection models of entering and export
Trade company in different classes of risk score；
Specifically, the corresponding informance in the check information can be inputted respectively to address authenticity risk meter trained in advance
It calculates in model, qualification authenticity risk computation model, industry authenticity risk computation model and transaction authenticity risk model, connects
Receive the different classes of risk score that the different risk models export respectively.
S104, the different classes of risk score is weighted, and calculated result is determined as entering for trade company
Value-at-risk.
It in practical applications, can be that different classes of risk sets weight, such as setting trade company according to practical application scene
Qualification authenticity weight be 0.3, set the address authenticity weight of trade company as 0.2, the setting of weight can be by user according to not
Significance level self-defining of the generic risk in current application scene.
Further, by calculated result be determined as trade company enter value-at-risk after, the value-at-risk of entering can be pushed to
The affiliated service provider of the trade company, so that the service provider utilizes the calculated result to the trade company using corresponding further
Audit policy.
For example: when trade company enters, the service provider for expanding the trade company, which can call, enters value-at-risk to this
Preliminary audit is done by trade company, and can further be judged according to risk situation this trade company or not blacklist, whether gambler, be
Lao Lai, either with or without other shops were opened, opened shop operation history how etc.. alternatively, service provider can basis
This is entered value-at-risk and determines whether to give trade company some equity, such as, if it needs to provide some new persons for this new trade company
Red packet, equipment are preferential etc..
It is above-mentioned enter detection method and apply one kind enter detection model group, which can
With reference to Fig. 2, comprising the following steps:
S201, obtain black and white sample data, the black sample data be there are historical risk transaction merchant data, it is described
White sample data is that there is no the merchant datas that historical risk is traded；
In the sample collection stage, can be judged in the historical trading generated after trade company enters payment platform.It will go through
The trade company of history risk trade is determined as black sample trade company, and historical risk transaction specifically may include risk of fraud transaction, wind of gambling
Danger transaction, wash sale, arbitrage risk trade etc., or determine whether trade company holder had falseness to run a shop identification record.When
Trade company can be determined as black by the severity or frequent degree that above-mentioned behavior and behavior occurred for trade company more than after preset threshold
Sample trade company.
Generally, payment platform can determine white sample according to user in the value of the daily behavior evaluation user of payment platform
When this trade company, in addition to select there is no other than the trade company of historical risk transaction, can also consider simultaneously trade company in the value of payment platform,
Further select high-value user as white sample of users.
S202, determines several characteristic data sets of trade company, and each characteristic data set is for characterizing the trade company wherein one
The other trade company's feature of type；
Since the model enters detection for trade company, generally, need to use merchant identification feature, management stability
Feature, the feature of address stable feature these three types remove building physical examination sub-model.In realistic model building, the specific spy that uses
Sign classification generally comprises: this four major class of address feature, industrial characteristic, qualification feature, operator's feature.
For example, address feature can include: the address LBS confidence level, address commercial circle value, if produce black concentration in black
The features such as address range；Industrial characteristic can include: the average daily exchange hand of industry, the features such as Industry risk concentration；Qualification feature can wrap
It includes: trade company's data-integrity, industrial and commercial data authenticity, the features such as qualification risk history (whether in blacklist)；Operator
Feature can include: the entrepreneur aptitude authenticity of trade company, the features such as operator's historical account behavior.
S203 is built into group in detection model with the different characteristic data set using the black and white sample data respectively
In difference enter detection model.
Detection model is entered by the different classes of feature construction of trade company, so that the different classes of model constructed
Trade company can be detected respectively in address, industry, the different classes of risk such as qualification.
Further, in order to enable security management and control system to accomplish externally to energize, security management and control system can be directed to different clothes
Business quotient is provided with the model of adaptability.
Specifically, it can receive the supplement black and white sample data that service provider uploads, which is service provider
The black sample trade company and white sample trade company defined according to own service scene；
After the supplement black and white sample data for receiving service provider's upload, it is based on transfer learning algorithm, it is black using the supplement
Detection model is entered described in white sample data training, so that the detection model of entering completes business where adapting to the service provider
The iteration of scene.
For example: since service provider has oneself exclusive business scenario, such as trade company's access mark of different service providers
Standard might have difference, and trade company's management of different service providers can also have any different.The sample that can be provided by service provider, model is done
Corresponding adaptation；Such as there are 900 notable features in the model remittance of master, but can find according to the black and white label that service provider provides
Wherein 200 features are inapparent, not high for the accuracy of sample.Therefore it needs to this 200 feature transfer learnings
Algorithm realize adjustment, this adjustment is single needle to some service provider, be not it is general, when this service provider carries out quotient
When entering detection of family, the result that product returns will export to make the model after transfer learning as a result, rather than universal model
Detection point.The purpose of overall transfer learning is the business scenario in order to allow model result to be more bonded service provider.
Security management and control system is described below for having entered the real-time risk checking method of trade company, shown in Figure 3, the reality
When risk checking method the following steps are included:
S301 is institute using risk trade model trained in advance for any real-time deal information for entering trade company
Transaction marking is stated, calculated risk score value is recorded in the merchant data for generating the transaction；
S302 enters trade company for any, according to the risk trade stroke count that trade company described in current slot generates, calculates
The current risk concentration of the trade company out；
S303 divides threshold value according to predefined level and determines the corresponding risk level of the risk concentration, according to described
The corresponding predefined processing strategie of risk level, carries out at different degrees of risk the trade company and its affiliated service provider respectively
Reason is pushed with information.
For example, payment platform, there are mass data, each data can be a feature of detection model, in advance
First trained risk trade model may include gambling model, cheat model, and arbitrage model usurps model etc., these models
It is respectively used to calculate the gambling model point of a real-time deal, fraud model point, arbitrage model point, usurps model point etc. individually
Model point.For example, being directed to Transaction Identification Number 12345678, divided by the fraud 98 that different models calculate the transaction, gambled 23 points,
Arbitrage 20 divides, and usurps 15 points ... and can be determined that this transaction is a gaming transactions.
Trade company, which generates each real-time deal, to carry out a risk judgment by model, later according to these transaction to this
Comprehensive descision does again in a trade company.Such as trade company A had 1000 transactions in one month, in this 1000 transaction, there is 200 gamblings
Rich transaction, 15 pens cap are now traded, 10 fraudulent tradings ..., then the overall risk rate that can calculate this trade company A is 22.5%,
And the relative risk of deep bid is generally 0.0001%, and this trade company is exactly a high-risk trade company, such as trade company B, in one month,
There are 100000 transactions, in this 100000 transaction, produces 1 gaming transactions, this trade company B relative risk is exactly
0.00001%, it is lower than deep bid average value, then cannot trades because of single risky and determine that this trade company B is risky.
It can be that trade company delimit risk layer according to the risk concentration and scheduled threshold value after determining the risk concentration of trade company
Grade carries out risk push by api interface or web-page interface, and for service provider, risk information push may include under it
Each trade company expands the overview of channel, such as channel A this week total expansion trade company 10 of service provider, including 7 falsenesses
Trade company can expand channel to it convenient for service provider and carry out control
For Jian Lian trade company, can federated service quotient layering control is carried out to trade company.For example, by risk level point
It is three layers, for the trade company of high danger, payment platform can directly close its obligation authority, and its described service by result notice
The medium information for punishing trade company is back to payment platform by service provider by quotient, is intercepted for subsequent access, realizes that data are closed
Ring；For high-risk trade company, risk information can be pushed to its affiliated service provider, service provider is reminded to be punished, and punishment is tied
Fruit notifies payment platform；For Zhong Wei trade company, which can be added to monitoring library and notify its affiliated service provider, when subsequent trade company
It can timely early warning when being abnormal.
It is worth noting that threshold value can be when being that trade company delimit risk level according to risk concentration and scheduled threshold value
Dynamic value can adjust threshold value according to situations such as overall risk instantly, promoting activities in real time.
It continues with and introduces the risk joint defence intelligence of security management and control system and build and safety product method for running:
Aspect is built in risk joint defence intelligence, it is generally the case that the comparatively safe consciousness of service provider is all not comprehensive enough, technology
Resource is also more weak, and the initiative that can not play itself goes to carry out safety precaution, will not actively and the data of payment platform
It is shared.It needs safety combination business development.Different additional policies can be formulated for service provider.When service provider risk and
When data sharing performance meets different preset conditions, then corresponding additional policy is executed.
For example, data back rate is promoted to certain threshold value, we will when service provider's relative risk drops to certain threshold value
It provides flower gathering amount for it to be promoted, net quotient borrows the equity of the channel of disbursement such as small micro- loan.The same of interests is brought for service provider
When, also there is facilitation to business growth under payment platform line.Introduce the concept of safety+channel equity.
In terms of safety product operation, product exposing has vital effect for safe ecology of building together, and needs for not
Recommend different safety products with client intelligent, the ability of ecosystem construction could be improved.Specifically, Products Show can be established
Model is different classes of client intelligent recommended products.
(1) sample collection: history accesses all clients of security management and control system, is learning sample；Full dose payment platform
Affiliate is that potential customers recommend sample.
(2) variable is portrayed: by trade company's attribute of learning sample, industry attribute, and transaction attribute sum up clustering variable
Feature；Again from full dose payment platform affiliate, similar client is made into classification.
Wherein, trade company's attribute: may include whether for it is direct-connected/connect, whether be big trade company, enterprise, with the presence or absence of marketing field
Scape, platform product whether withdraw deposit scene, whether have system of account etc.；Industry attribute: may include whether for shared rental service,
Whether it is catering industry, whether has enterprise's credit function etc.；Transaction attribute: may include average daily the transaction scale of construction/amount of money, wash sale
Accounting, risk trade accounting, gambling buyer's concentration, cheating buyer's concentration, public sentiment risk trade situation etc..
(3) collaborative filtering (item-based collaborative filtering) and base model training: are used
Recommend (rule-based recommentdation) to be trained sample in rule, and melts finally by two model results
It closes, suggested design of surviving.Model recommendation can synchronize insertion security management and control system portal, payment platform portal etc., when client steps on
After recording the page, that is, produces and recommend using with the combination product of this client.
For example: client A, no expansion merchant business, that Products Show will be managed only comprising real-time risk trade company；Client
B, main business are to expand client, but have no self-service signing, are small two to expand to shop, that is entered to reject in physical examination point and demonstrate,prove
According to identification, door head according to functions such as PS audits, carry out easy enters verification Products Show.Client C expands trade company and mainly passes through
Self-service channel, that enters physical examination point, will identify comprising OCR license, door head is identified according to PS, trade company's authenticity verification, risk trade
Deng, carry out compound version enter verification product recommendation.
With reference to Fig. 4, from being described above as can be seen that security management and control system can be divided into and enter risk supervision module, real-time wind
Dangerous detection module and risk joint defence intelligence build module, respectively correspond the risk supervision of entering of trade company, trade company enter after it is real-time
Risk supervision and risk joint defence intelligence build these three security management and control stages, it can be achieved that a trade company from enter payment platform to
Exit the security management and control of payment platform Life cycle.
Trade company A is illustrated, when entering platform, since running a shop for trade company A has stable and big transaction of trading in history
Amount, then and then entering value-at-risk judgement by detection is mono- good trade company of health of trade company A, and then service provider allows him to enter
Payment platform, and because entering testing result well is its free equipment, red packet etc..As time goes by, trade company A is hacked
Induction is produced, starts to be related to gambling, is pushed in the risk information of service provider by the way that security management and control system is daily, service provider finds this
It is high-risk trade company of gambling that it is qualitative, which to be paid for platform, for a trade company, then this risk trade company is freezed in time, termination of contract, and
When stop loss, if the processing of service provider's risk is timely, his relative risk compared with other service providers will it is low if, security management and control system meeting
The equity of some payment platforms is provided, such as is insured, is provided a loan, flower gathering amount is promoted etc., further motivate service provider's product
Pole handles risk trade company.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realized when executing described program aforementioned applications in
The security control method of payment platform, the method include at least:
The risk supervision module of entering is used for:
Check information is extracted in information in entering for trade company's submission, the check information is preset for examining
Trade company enters the specific information of risk；
Obtain training in advance enters detection model group, and described enter includes several different entering inspection in detection model group
Survey model, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of which by trade company of detection model
The characteristic training of classification forms；
Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output
In different classes of risk score；
The different classes of risk score is weighted, enters risk for what calculated result was determined as trade company
Value.
Fig. 5 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1010, memory 1020, input/output interface 1030, communication interface 1040 and bus
1050.Wherein processor 1010, memory 1020, input/output interface 1030 and communication interface 1040 are real by bus 1050
The now communication connection inside equipment each other.
Processor 1010 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1020 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1020 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1020, and execution is called by processor 1010.
Input/output interface 1030 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1040 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1050 include an access, equipment various components (such as processor 1010, memory 1020, input/it is defeated
Outgoing interface 1030 and communication interface 1040) between transmit information.
It should be noted that although above equipment illustrates only processor 1010, memory 1020, input/output interface
1030, communication interface 1040 and bus 1050, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Realize that the security control method above-mentioned applied to payment platform, the method include at least when sequence is executed by processor:
The risk supervision module of entering is used for:
Check information is extracted in information in entering for trade company's submission, the check information is preset for examining
Trade company enters the specific information of risk；
Obtain training in advance enters detection model group, and described enter includes several different entering inspection in detection model group
Survey model, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of which by trade company of detection model
The characteristic training of classification forms；
Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output
In different classes of risk score；
The different classes of risk score is weighted, enters risk for what calculated result was determined as trade company
Value.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
For device embodiment, since it corresponds essentially to embodiment of the method, so related place is referring to method reality
Apply the part explanation of example.The apparatus embodiments described above are merely exemplary, wherein described be used as separation unit
The unit of explanation may or may not be physically separated, and component shown as a unit can be or can also be with
It is not physical unit, it can it is in one place, or may be distributed over multiple network units.It can be according to actual
The purpose for needing to select some or all of the modules therein to realize this specification scheme.Those of ordinary skill in the art are not
In the case where making the creative labor, it can understand and implement.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, device, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.
Claims (15)
- It include multiple service providers in the payment platform, with the clothes 1. a kind of security management and control system applied to payment platform Multiple subordinate trade companies of business quotient, the security management and control system include at least and enter risk supervision module,The risk supervision module of entering is used for:Check information is extracted in information in entering for trade company's submission, the check information is preset for examining trade company Enter the specific information of risk；Obtain training in advance enters detection model group, and described enter includes several different entering detection mould in detection model group Type, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of classification by trade company of detection model Characteristic training form；Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output not Generic risk score；The different classes of risk score is weighted, enters value-at-risk for what calculated result was determined as trade company.
- 2. security management and control system as described in claim 1, by calculated result be determined as trade company enter value-at-risk after, also wrap It includes:By the affiliated service provider for entering value-at-risk and being pushed to the trade company, so that the service provider utilizes the calculated result Corresponding further audit policy is used to the trade company.
- 3. security management and control system as described in claim 1, described that check information is extracted in information in entering for trade company's submission, Include:Text Feature Extraction is carried out in the merchant information for the textual form that trade company submits, to obtain shops's address information, the industry of user Information and expansion channel qualification information；Image recognition is carried out to the certificate information for the graphic form that trade company submits, the certificate information is resolved into textual form Manage qualification information and door head photographic intelligence；The information that the Text Feature Extraction and image recognition obtain is determined as to the check information of trade company.
- 4. security management and control system as described in claim 1, described to enter detection model group described in check information input, The different trade companies for entering detection model output is obtained in different classes of risk score, comprising:It is true that corresponding informance in the check information is inputted into address authenticity risk computation model trained in advance, qualification respectively In reality risk computation model, industry authenticity risk computation model and transaction authenticity risk model, the different wind are received The different classes of risk score that dangerous model exports respectively.
- 5. security management and control system as described in claim 1, the system also includes entering detection model group building module,The detection model group building module of entering is used for:Black and white sample data is obtained, the black sample data is that there are the merchant data of historical risk transaction, the white sample numbers According to for there is no the merchant datas that historical risk is traded；Determine that several characteristic data sets of trade company, each characteristic data set are used to characterize the quotient of trade company's one of which classification Family feature；Using the black and white sample data, the difference being built into group in detection model respectively with the different characteristic data set enters In detection model.
- 6. system as claimed in claim 5, described to enter detection model group building module, it is also used to:The supplement black and white sample data that service provider uploads is received, the supplement black and white sample data is service provider according to own service The black sample trade company and white sample trade company that scene defines；Based on transfer learning algorithm, enter detection model using described in supplement black and white sample data training so that it is described enter The iteration of business scenario where completion in detection model adapts to the service provider.
- 7. security management and control system as described in claim 1, the system also includes real-time risk supervision module,The real-time risk supervision module is used for:It the use of risk trade model trained is in advance that the transaction is beaten for any real-time deal information for entering trade company Point, calculated risk score value is recorded in the merchant data for generating the transaction；Trade company is entered for any, according to the risk trade stroke count that trade company described in current slot generates, calculates the quotient The current risk concentration at family；Threshold value is divided according to predefined level and determines the corresponding risk level of the risk concentration, according to the risk level pair The predefined processing strategie answered carries out risk processing to the trade company and affiliated service provider and pushes with information.
- It include multiple service providers in the payment platform, with the clothes 8. a kind of security control method applied to payment platform Multiple subordinate trade companies of business quotient, the security control method include:Check information is extracted in information in entering for trade company's submission, the check information is preset for examining trade company Enter the specific information of risk；Obtain training in advance enters detection model group, and described enter includes several different entering detection mould in detection model group Type, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of classification by trade company of detection model Characteristic training form；Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output not Generic risk score；The different classes of risk score is weighted, enters value-at-risk for what calculated result was determined as trade company.
- 9. security control method as claimed in claim 8, by calculated result be determined as trade company enter value-at-risk after, also wrap It includes:By the affiliated service provider for entering value-at-risk and being pushed to the trade company, so that the service provider utilizes the calculated result Corresponding further audit policy is used to the trade company.
- 10. security control method as claimed in claim 8, described to extract verification letter in entering in information for trade company's submission Breath, comprising:Text Feature Extraction is carried out in the merchant information for the textual form that trade company submits, to obtain shops's address information, the industry of user Information and expansion channel qualification information；Image recognition is carried out to the certificate information for the graphic form that trade company submits, the certificate information is resolved into textual form Manage qualification information and door head photographic intelligence；The information that the Text Feature Extraction and image recognition obtain is determined as to the check information of trade company.
- 11. security control method as claimed in claim 8, described to enter detection model described in check information input Group obtains the different trade companies for entering detection model output in different classes of risk score, comprising:It is true that corresponding informance in the check information is inputted into address authenticity risk computation model trained in advance, qualification respectively In reality risk computation model, industry authenticity risk computation model and transaction authenticity risk model, the different wind are received The different classes of risk score that dangerous model exports respectively.
- 12. security control method as claimed in claim 8, the method also includes:Black and white sample data is obtained, the black sample data is that there are the merchant data of historical risk transaction, the white sample numbers According to for there is no the merchant datas that historical risk is traded；Determine that several characteristic data sets of trade company, each characteristic data set are used to characterize the quotient of trade company's one of which classification Family feature；Using the black and white sample data, the difference being built into group in detection model respectively with the different characteristic data set enters In detection model.
- 13. method as claimed in claim 12, the difference being built into group in detection model respectively enters detection model Afterwards, further includes:The supplement black and white sample data that service provider uploads is received, the supplement black and white sample data is service provider according to own service The black sample trade company and white sample trade company that scene defines；Based on transfer learning algorithm, enter detection model using described in supplement black and white sample data training so that it is described enter The iteration of business scenario where completion in detection model adapts to the service provider.
- 14. security control method as claimed in claim 8, the method also includes:It the use of risk trade model trained is in advance that the transaction is beaten for any real-time deal information for entering trade company Point, calculated risk score value is recorded in the merchant data for generating the transaction；Trade company is entered for any, according to the risk trade stroke count that trade company described in current slot generates, calculates the quotient The current risk concentration at family；Threshold value is divided according to predefined level and determines the corresponding risk level of the risk concentration, according to the risk level pair The predefined processing strategie answered carries out different degrees of risk processing to the trade company and its affiliated service provider respectively and pushes away with information It send.
- 15. 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, wherein the processor realizes method according to claim 8 when executing described program.
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| CN113344376A (en) * | 2021-06-02 | 2021-09-03 | 南京星云数字技术有限公司 | Merchant risk monitoring method and device, computer equipment and storage medium |
| CN113762966A (en) * | 2020-06-05 | 2021-12-07 | 网联清算有限公司 | Merchant information verification method, device, equipment and storage medium |
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