CN104978618A - Electronic commerce risk monitoring method - Google Patents
Electronic commerce risk monitoring method Download PDFInfo
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- CN104978618A CN104978618A CN201410136581.1A CN201410136581A CN104978618A CN 104978618 A CN104978618 A CN 104978618A CN 201410136581 A CN201410136581 A CN 201410136581A CN 104978618 A CN104978618 A CN 104978618A
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Abstract
An electronic commerce risk monitoring method provided by the present invention comprises the following steps of establishing a risk database, and pre-storing the risk information historical data and the risk control strategies into the risk database; receiving the transaction data information generated during an electronic commerce transaction business; calling the associated transaction data in the risk database according to the generated transaction data; calculating a risk index data threshold value according to the transaction data and the associated transaction data; determining a business activity generating the transaction data as a risk-to-be business if a risk threshold value calculated according to the transaction data is greater than a predetermined risk control index threshold value; transmitting the generated risk-to-be information to a risk control database, and determining the risk-to-be business as a risk business according to the risk confirmation information sent out by the risk database; when the risk-to-be business is determined as the risk business, using a database to send a risk report according to a predetermined information sending mode. The beneficial effect of the present invention is that: the risk monitoring and processing can be carried out on the on-going business according to a risk monitoring principle preset in the database, thereby being able to effectively improve the electronic commerce risk monitoring capability and efficiency.
Description
Technical field
The present invention relates to a kind of E-Commerce Risk method for supervising, belong to technical field of electronic commerce.
Background technology
Along with the develop rapidly of Network Information, utilizing the colleague easily of networking opening, the probability of risk is born also in continuous increase in e-commerce initiative, therefore, in e-commerce system, the ability of risk monitoring and control is most important, find risk in advance, carrying out in order of e-commerce initiative can be safeguarded, present stage, the method of e-commerce initiative risk monitoring is mainly carried out passive defence when attacking, and lacks real-time network security assessment, thus also just can not carry out risk monitoring and control process targetedly to the attack that system is suffering.
Summary of the invention
A kind of E-Commerce Risk method for supervising provided by the invention, comprises the steps:
A, set up vulnerability database, risk information historical data and risk control strategy are prestored in vulnerability database;
The transaction data information produced in B, reception e-commerce transaction business;
C, the transaction data produced according to steps A call the connected transaction data in described vulnerability database;
D, according to described transaction data and described connected transaction data calculation risk achievement data threshold;
E, be greater than the risk control index threshold pre-established when the risk threshold calculated according to described transaction data, then the transaction judging to generate described transaction data is as the criterion risk business;
F, by step e produce accurate risk information be delivered to described wind control database, according to the risk identification information that vulnerability database sends, described accurate risk business is judged to be risk business;
G, when being judged as risk business, database by according to predetermined information sender formula, sends risk report.
Wherein can carry out Data Format Transform to the described transaction data information received according to demand, use needs to meet.
The transaction data information that described reception business produces specifically comprises: receive the transaction data that current business process information produces, or proxima luce (prox. luc) service handling information generate the transaction data of daily record data.
The described connected transaction data calling described transaction data according to described transaction data specifically comprise: call the risk service handling information produced before described transaction data.
Describedly specifically to comprise according to described transaction data and described connected transaction data calculation risk monitor control index data threshold: according to operational risk model calculating operation Risk Monitoring achievement data threshold value; Customer action Risk Monitoring achievement data threshold value is calculated according to customer action model.
Also comprise according to above-mentioned computing method: according to risk indicator assessment models calculation risk evaluation index data threshold.
Described transaction data is less than described risk monitoring and control achievement data threshold value, then judge that the service handling information generating described transaction data is devoid of risk service handling information.
Described information sender formula includes one or more in note, Email, voice.
The beneficial effect of a kind of E-Commerce Risk method for supervising provided by the invention is the risk monitoring and control principle pre-set by database, to ongoing service risk monitoring process, thus can effectively can improve ability and the efficiency of E-Commerce Risk monitoring.
Accompanying drawing explanation
Accompanying drawing is the process flow diagram of risk monitoring and control method provided by the invention.
Embodiment
Now by reference to the accompanying drawings the present invention is described as follows:
A kind of E-Commerce Risk method for supervising provided by the invention, comprises the steps:
Step 1, sets up vulnerability database, is prestored in vulnerability database by risk information historical data and risk control strategy;
Step 2, receives the transaction data information produced in e-commerce transaction business;
Wherein, format conversion can be carried out according to the demand of user for the business transaction data message received, thus complete the reading of transaction data information, and receive to obtain the transaction data information transaction data that can produce for current business process information, or proxima luce (prox. luc) service handling information generate the transaction data of daily record data.
Step 3, the transaction data produced according to step 1 calls the connected transaction data in described vulnerability database;
The connected transaction data wherein calling described transaction data specifically can comprise: produce the risk service handling information before described transaction data,
Step 4, according to described transaction data and described connected transaction data calculation risk achievement data threshold;
Wherein transaction data and connected transaction data calculation risk monitor control index data threshold specifically will comprise: according to operational risk model calculating operation Risk Monitoring achievement data threshold value; Customer action Risk Monitoring achievement data threshold value is calculated according to customer action model, simultaneously can also with risk indicator assessment models calculation risk evaluation index data threshold.
Step 5, when the risk threshold calculated according to described transaction data is greater than the risk control index threshold pre-established, then judges to generate the transaction of described transaction data and to be as the criterion risk business;
Step 6, accurate risk information step 5 produced is delivered to described wind control database, according to the risk identification information that vulnerability database sends, described accurate risk business is judged to be risk business;
Wherein, if transaction data is less than described risk monitoring and control achievement data threshold value, then judge that the service handling information generating described transaction data is devoid of risk service handling information.
Step 7, when being judged as risk business, database, by according to predetermined information sender formula, sends risk report.
Wherein, information sender formula includes one or more in note, Email, voice.
Claims (8)
1. an E-Commerce Risk method for supervising, is characterized in that, comprises the steps:
A, set up vulnerability database, risk information historical data and risk control strategy are prestored in vulnerability database;
The transaction data information produced in B, reception e-commerce transaction business;
C, the transaction data produced according to steps A call the connected transaction data in described vulnerability database;
D, according to described transaction data and described connected transaction data calculation risk achievement data threshold;
E, be greater than the risk control index threshold pre-established when the risk threshold calculated according to described transaction data, then the transaction judging to generate described transaction data is as the criterion risk business;
F, by step e produce accurate risk information be delivered to described wind control database, according to the risk identification information that vulnerability database sends, described accurate risk business is judged to be risk business;
G, when being judged as risk business, database by according to predetermined information sender formula, sends risk report.
2. risk monitoring and control method according to claim 1, is characterized in that the described transaction data information received carries out Data Format Transform.
3. risk monitoring and control method according to claim 1, it is characterized in that the transaction data information that described reception business produces specifically comprises: receive the transaction data that current business process information produces, or proxima luce (prox. luc) service handling information generate the transaction data of daily record data.
4. risk monitoring and control method according to claim 1, is characterized in that the described connected transaction data calling described transaction data according to described transaction data specifically comprise: call the risk service handling information produced before described transaction data.
5. risk monitoring and control method according to claim 1, is characterized in that describedly specifically comprising according to described transaction data and described connected transaction data calculation risk monitor control index data threshold: according to operational risk model calculating operation Risk Monitoring achievement data threshold value; Customer action Risk Monitoring achievement data threshold value is calculated according to customer action model.
6. risk monitoring and control method according to claim 5, is characterized in that described computing method also comprise: according to risk indicator assessment models calculation risk evaluation index data threshold.
7. risk monitoring and control method according to claim 1, is characterized in that described transaction data is less than described risk monitoring and control achievement data threshold value, then judge that the service handling information generating described transaction data is devoid of risk service handling information.
8. risk monitoring and control method according to claim 1, is characterized in that one or more that described information sender formula includes in note, Email, voice.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410136581.1A CN104978618A (en) | 2014-04-08 | 2014-04-08 | Electronic commerce risk monitoring method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410136581.1A CN104978618A (en) | 2014-04-08 | 2014-04-08 | Electronic commerce risk monitoring method |
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| Publication Number | Publication Date |
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| CN104978618A true CN104978618A (en) | 2015-10-14 |
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| CN201410136581.1A Pending CN104978618A (en) | 2014-04-08 | 2014-04-08 | Electronic commerce risk monitoring method |
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Cited By (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107341666A (en) * | 2017-07-26 | 2017-11-10 | 太仓华淏信息科技有限公司 | A kind of risk management method of e-commerce transaction behavior |
| CN107437179A (en) * | 2017-08-09 | 2017-12-05 | 中国银行股份有限公司 | A kind of banking channels system that risk monitoring and control and special service are provided |
| CN107784075A (en) * | 2017-09-25 | 2018-03-09 | 平安科技（深圳）有限公司 | Data processing method, device and computer equipment based on connected transaction |
| CN108230153A (en) * | 2018-01-23 | 2018-06-29 | 交通银行股份有限公司 | Multisection type electronic transaction risk method for real-time monitoring and system |
| CN108230151A (en) * | 2018-01-16 | 2018-06-29 | 平安科技（深圳）有限公司 | A kind of suspicious transaction detection method, apparatus, equipment and storage medium |
| CN108734021A (en) * | 2018-04-03 | 2018-11-02 | 杭州连银科技有限公司 | It is a kind of based on the financial credit big data methods of risk assessment and system that remove private data |
| CN109002949A (en) * | 2017-06-06 | 2018-12-14 | 阿里巴巴集团控股有限公司 | A kind of method and device of air control strategy configuration and business air control |
| CN111428971A (en) * | 2020-03-05 | 2020-07-17 | 支付宝(杭州)信息技术有限公司 | Service data processing method and device and server |
-
2014
- 2014-04-08 CN CN201410136581.1A patent/CN104978618A/en active Pending
Cited By (12)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN109002949A (en) * | 2017-06-06 | 2018-12-14 | 阿里巴巴集团控股有限公司 | A kind of method and device of air control strategy configuration and business air control |
| CN107341666A (en) * | 2017-07-26 | 2017-11-10 | 太仓华淏信息科技有限公司 | A kind of risk management method of e-commerce transaction behavior |
| CN107437179A (en) * | 2017-08-09 | 2017-12-05 | 中国银行股份有限公司 | A kind of banking channels system that risk monitoring and control and special service are provided |
| CN107784075A (en) * | 2017-09-25 | 2018-03-09 | 平安科技（深圳）有限公司 | Data processing method, device and computer equipment based on connected transaction |
| CN107784075B (en) * | 2017-09-25 | 2019-02-01 | 平安科技（深圳）有限公司 | Data processing method, device and computer equipment based on connected transaction |
| WO2019056770A1 (en) * | 2017-09-25 | 2019-03-28 | 平安科技（深圳）有限公司 | Method and apparatus for data processing on basis of related transactions, and computer device |
| CN108230151A (en) * | 2018-01-16 | 2018-06-29 | 平安科技（深圳）有限公司 | A kind of suspicious transaction detection method, apparatus, equipment and storage medium |
| WO2019140804A1 (en) * | 2018-01-16 | 2019-07-25 | 平安科技（深圳）有限公司 | Suspicious transaction monitoring method, device, and apparatus, and storage medium |
| CN108230153A (en) * | 2018-01-23 | 2018-06-29 | 交通银行股份有限公司 | Multisection type electronic transaction risk method for real-time monitoring and system |
| CN108230153B (en) * | 2018-01-23 | 2022-03-04 | 交通银行股份有限公司 | Multi-section type electronic transaction risk real-time monitoring method and system |
| CN108734021A (en) * | 2018-04-03 | 2018-11-02 | 杭州连银科技有限公司 | It is a kind of based on the financial credit big data methods of risk assessment and system that remove private data |
| CN111428971A (en) * | 2020-03-05 | 2020-07-17 | 支付宝(杭州)信息技术有限公司 | Service data processing method and device and server |
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Application publication date: 20151014 |