CN108305012A - A kind of air control regulation obtaining method and device - Google Patents
A kind of air control regulation obtaining method and device Download PDFInfo
- Publication number
- CN108305012A CN108305012A CN201810141233.1A CN201810141233A CN108305012A CN 108305012 A CN108305012 A CN 108305012A CN 201810141233 A CN201810141233 A CN 201810141233A CN 108305012 A CN108305012 A CN 108305012A
- Authority
- CN
- China
- Prior art keywords
- air control
- control rule
- rule
- trade company
- grade
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
Abstract
The present invention is applicable in computer realm, provides a kind of air control regulation obtaining method and device, the method includes：When receiving transaction request, merchant information corresponding with the transaction request is obtained, the merchant information at least carries one kind in trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control rule and general air control rule；It is obtained and the matched trade company's air control grade of the merchant information according to preset pairing rules；Obtain air control rule corresponding with trade company's air control grade.The air control grade belonging to the trade company is determined by merchant information, and obtains air control rule corresponding with the air control grade, to reduce the workload of air control rule configuration, saves human resources, and realizes that the fining to trade company's air control configures.
Description
Technical field
The invention belongs to computer realm more particularly to a kind of air control regulation obtaining methods and device.
Background technology
Air control rule refers to that risk managers eliminate or reduce risks event or risk control person reduces risks event
It causes damages when generation, the various measures taken and method.With the rapid development of social economy, what air control was regular uses deep
Enter the every aspect lived to us, especially large enterprise and bank, by can greatly subtract with appropriate air control rule
The property loss of few large enterprise and bank.
A kind of existing air control regulation obtaining method needs point when to the service definition air control rule of trade company or trade company
It is other regular to the trade company or the service definition air control, when being defined air control rule to trade company, unified air control rule is taken,
To realize risk control.
However, traditional air control regulation obtaining method is not generally intelligent, by respectively to the trade company or the service definition
Air control rule, the workload of configuration is very big, when modifying, needs to change one by one, and workload is also quite big, waste of manpower
Resource；Simultaneously as different trade companies needs to define different air control rules, and certain a kind of business of part trade company is identical
, by taking unified air control rule to be defined trade company, comparison is sluggish, cannot achieve and matches to the fining of trade company's air control
It sets.
Invention content
A kind of air control regulation obtaining method of offer of the embodiment of the present invention and device, it is intended to solve traditional air control Rule
The workload of method configuration is very big, waste of manpower resource, the problem of cannot achieve to trade company's air control fining configuration.
The embodiment of the present invention is achieved in that a kind of air control regulation obtaining method, the method includes：
When receiving transaction request, merchant information corresponding with the transaction request is obtained, the merchant information is at least
Carry trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control rule and general air control
One kind in rule；
It is obtained and the matched trade company's air control grade of the merchant information according to preset pairing rules；
Obtain air control rule corresponding with trade company's air control grade.
The embodiment of the present invention also provides a kind of air control Rule device, and described device includes：
Merchant information acquiring unit, for when receiving transaction request, obtaining trade company corresponding with the transaction request
Information, the merchant information at least carries trade company air control rule, type of service air control rule, industry air control rule, trade company are commented
One kind in grade air control rule and general air control rule；
Trade company's air control grade acquiring unit, for being obtained and the matched quotient of the merchant information according to preset pairing rules
Family air control grade；And
Air control Rule unit, for obtaining air control rule corresponding with trade company's air control grade.
In embodiments of the present invention, when receiving transaction request, merchant information corresponding with the transaction request is obtained,
The merchant information at least carries trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control
One kind in regular and general air control rule should so as to basis by determining at least one merchant information of the trade company
Merchant information understands the basic condition of the trade company and classifies；It is obtained and the merchant information according to preset pairing rules
The trade company's air control grade matched, and air control rule corresponding with trade company's air control grade is obtained, to realize to trade company's air control
Fining configuration.Air control regulation obtaining method provided by the invention determines the air control etc. described in the trade company by merchant information
Grade, and air control rule corresponding with the air control grade is obtained, to reduce the workload of air control rule configuration, save manpower money
Source, and realize that the fining to trade company's air control configures.
Description of the drawings
Fig. 1 is the implementation flow chart for the air control regulation obtaining method that the embodiment of the present invention one provides；
Fig. 2 is the implementation flow chart of the level obtaining methods such as the air control that the embodiment of the present invention one provides；
Fig. 3 is the implementation flow chart for the air control regulation obtaining method that the embodiment of the present invention three provides；
Fig. 4 is the structural schematic diagram for the air control Rule device that the embodiment of the present invention five provides；
Fig. 5 is the structural schematic diagram for the air control grade acquisition device that the embodiment of the present invention five provides；
Fig. 6 is the structural schematic diagram for the air control Rule device that the embodiment of the present invention seven provides.
Specific implementation mode
In order to make the purpose , technical scheme and advantage of the present invention be clearer, with reference to the accompanying drawings and embodiments, right
The present invention is further elaborated.It should be appreciated that the specific embodiments described herein are merely illustrative of the present invention, and
It is not used in the restriction present invention.
Air control regulation obtaining method provided by the invention determines the air control grade belonging to the trade company by merchant information, and
Air control rule corresponding with the air control grade is obtained, to reduce the workload of air control rule configuration, saves human resources, and
Realize that the fining to trade company's air control configures.
Embodiment one
Fig. 1 shows the implementation flow chart for the air control regulation obtaining method that the embodiment of the present invention one provides, for the ease of saying
It is bright, part related to the present invention is only shown.
In step S101, when receiving transaction request, merchant information corresponding with the transaction request is obtained, it is described
Merchant information at least carries trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control rule
And one kind in general air control rule.
In embodiments of the present invention, merchant information refers to the essential information of transaction trade company, which can be quotient
The title at family, business license, financial code, affiliated industry, trade company's grading (trade company of such as high, medium and low risk).
In embodiments of the present invention, trade company's air control rule refers to the trading limit data for belonging to the businessman, for example, A quotient
The trading limit at family is 10,000 yuan.
In embodiments of the present invention, type of service air control rule refers to belonging to affiliated type of service (such as wechat of the businessman
Gathering or quick gathering etc.) trading limit data, for example the trading limit that B trade companies fast collect money is 1000 yuan.
In embodiments of the present invention, industry air control rule refers to belonging to the businessman affiliated industry (such as insurance, premises
Production, construction industry etc.) trading limit data, for example the trading limit of C trade companies insurance is 5000 yuan.
In embodiments of the present invention, it is (such as high, medium and low to refer to belonging to grading belonging to the businessman for trade company's grading air control rule
The trade company of risk) trading limit data, such as low-risk trade company trading limit be 20,000 yuan.
In embodiments of the present invention, general air control rule refers to belonging to all trading limit data of the businessman.
In embodiments of the present invention, the essential information of trade company of merchandising should at least carry trade company air control rule, service class
One kind in type air control rule, industry air control rule, trade company's grading air control rule and general air control rule, by determining wherein
A kind of air control rule, so that it is determined that match with the merchant transaction air control rule, avoid due to by taking unified wind
Regulatory control is then defined to trade company so that unified air control rule is more sluggish, and it is accurate to be carried out for specific merchant transaction
Change configuration.
As an embodiment of the present invention, transaction request should carry the Transaction Account number of transaction trade company, pass through the friendship
Easy account can obtain merchant information corresponding with the Transaction Account number in the merchant information set that system prestores.
In step s 102, it is obtained and the matched trade company's air control grade of the merchant information according to preset pairing rules.
In embodiments of the present invention, pairing rules can be the pre-stored data of local storage medium, pass through pairing rules
It can determine trade company's air control grade corresponding with the merchant information for the trade company that merchandises.
In embodiments of the present invention, the air control rule suitable for the trade company that merchandises can be accurately positioned in trade company's air control grade.
As an optimal enforcement example provided by the invention, Fig. 2 shows the implementation flow chart of the level obtaining methods such as air control,
For convenience of description, part related to the present invention is only shown.
In step s 102, further include step S201 to step S205.
In step s 201, obtain it is regular with corresponding first air control of trade company's air control rule, and by described first
Air control rule setting is the first air control grade；And/or
In step S202, obtain and industry air control rule, type of service air control rule and the trade company
The corresponding second air control rule of air control rule of grading, and be the second air control grade by the second air control rule setting；And/or
In step S203, obtain and industry air control rule and trade company grading air control regular corresponding the
Three air controls rule, and be third air control grade by the third air control rule setting；And/or
In step S204, obtain it is regular with corresponding 4th air control of industry air control rule, and by the described 4th
Air control rule setting is the 4th air control grade；And/or
In step S205, obtain with the regular corresponding tendencies regulatory control of the general air control then, and by the described 5th
Air control rule setting is the 5th air control grade.
As one embodiment provided by the invention.When obtaining at least one air control rule that merchant information carries, root
Air control grade corresponding with air control rule can be determined according to the air control rule, so that it is determined that the air control control suitable for the trade company
System.
In practical application, it is 20,000 yuan that the merchant information of E trade companies, which only carries trading limit, corresponding with the trading limit
It is regular for the first air control, then the air control grade of E trade companies is level-one；For another example, the merchant information of F trade companies only carries institute of F trade companies
The trading limit for belonging to industry is 100,000 yuan, and corresponding with the trading limit is the 4th air control rule, then the air control grade of F trade companies
For level Four.
In embodiments of the present invention, transaction trade company is divided into different levels according to five levels so that divide transaction
The type of trade company is more accurate, so as to realize that the fining to trade company's air control configures, avoids by taking unified wind
Regulatory control is then defined the sluggish problem of comparison to trade company.
In step s 103, air control rule corresponding with trade company's air control grade is obtained.
In embodiments of the present invention, air control rule refers to that the rule of definition transaction air control, air control rule can be local deposit
The pre-stored data of storage media, for example check that the quick trading card transaction limit of XX company's wechats is 5000 yuan；Check retail
The quick trading card transaction limit of industry short message is 3000 yuan etc..
In embodiments of the present invention, when receiving transaction request, merchant information corresponding with the transaction request is obtained,
The merchant information at least carries trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control
One kind in regular and general air control rule should so as to basis by determining at least one merchant information of the trade company
Merchant information understands the basic condition of the trade company and classifies；It is obtained and the merchant information according to preset pairing rules
The trade company's air control grade matched, and air control rule corresponding with trade company's air control grade is obtained, to realize to trade company's air control
Fining configuration.Air control regulation obtaining method provided by the invention determines the air control etc. described in the trade company by merchant information
Grade, and air control rule corresponding with the air control grade is obtained, to reduce the workload of air control rule configuration, save manpower money
Source, and realize that the fining to trade company's air control configures.
Embodiment two
When acquisition has multiple air control rules, after step s 103, further include：
Compare air control grade corresponding with the multiple risk rule, retains the air control rule of optimal air control grade.
As one embodiment provided by the invention, merchant information can carry trade company's air control rule, type of service wind
A variety of air controls rule during regulatory control is then, industry air control is regular, trade company's grading air control is regular and general air control rule, thus with this
There are multiple for trade company's air control grade that merchant information matches.
In embodiments of the present invention, optimal air control grade can pass through determination with the first order for optimal air control grade
Optimal air control grade improves the accurate of air control rule to filter out the air control rule for being more in line with transaction trade company detection risk
Property.
In practical application, the trading limit of G companies is 10,000 yuan, and the trading limit graded belonging to G companies is 40,000 yuan, then
It is level-one and level Four according to the air control grade that preset pairing rules and G companies match, and according to optimal air control grade
Retain level-one air control grade, i.e. trading limit is 10,000 yuan.
In embodiments of the present invention, regular by retaining the air control of optimal air control grade, on the one hand, to avoid multiple grades
Air control rule carries out the phenomenon that risk control leads to system air control information asymmetry, is susceptible to data perturbation trade company, unfavorable
In air control management；On the other hand, it may be determined that be best suited for the air control rule of trade company, be more in line with the demand of client, improve and use
The usage experience at family.
Embodiment three
Fig. 3 shows the implementation flow chart for the air control regulation obtaining method that the embodiment of the present invention three provides, for the ease of saying
It is bright, part related to the present invention is only shown.
In step s 102, further include step S301 and step S302.
In step S301, air control model corresponding with air control rule is obtained.
In embodiments of the present invention, an air control rule uniquely corresponds to an air control model.
In embodiments of the present invention, air control model is used for for calculating and realizing risk control, such as " blacklist " model
Check trade company's business license, status of a legal person card, contact person's cell-phone number, receiving bank of trade company card number, card BIN whether in blacklist；
" white list " model, for checking trade company's business license, receiving bank of trade company card number whether in white list；" gray list " model,
For checking trade company's business license, receiving bank of trade company card number whether in gray list etc..
In embodiments of the present invention, an air control model can correspond to multiple air control rules, such as " white list " model, can
Whether whether advised in air controls such as white lists in white list, receiving bank of inspection trade company card number with correspondence proving trade company business license
Then.
In step s 302, air control rule corresponding with the air control model is obtained.
In practical application, when carrying out 1.5 ten thousand yuan of transaction, then for force one wind regulatory control, i.e. transaction limits air control rule user G
Volume be 20,000 yuan, when detecting user G business licenses at " blacklist ", then limit any transaction of G user, that is, limit this 1.5
Ten thousand yuan of transaction；When detecting user G business licenses not at " blacklist ", then without limitation on any friendship of 20,000 yuan of G user's limit
Easily, that is, allow this 1.5 ten thousand yuan transaction.
In embodiments of the present invention, risk control is carried out to transaction trade company by air control model so that risk rule obtains
More flexible, more precise and high efficiency is taken, real-time risk profile and monitoring effectively are carried out to various finance combinations.
Example IV
When acquisition has multiple air control models, after step S302, further include：
The priority of more the multiple air control model obtains air control rule corresponding with the air control model of highest priority
Then.
As one embodiment provided by the invention, merchant information can carry trade company's air control rule, type of service wind
A variety of air controls rule during regulatory control is then, industry air control is regular, trade company's grading air control is regular and general air control rule, thus with this
There are multiple for the air control model that merchant information matches.
In embodiments of the present invention, the air control model of highest priority can be using " blacklist " model as highest priority
Air control model, by the optimal air control grade of determination, to filter out the air control model for being more in line with transaction trade company detection risk,
Improve the accuracy of air control rule.
In embodiments of the present invention, by obtaining air control rule corresponding with the air control model of highest priority, a side
Face, avoiding multiple air control models from carrying out risk control to trade company leads to system air control information asymmetry, is susceptible to data perturbation
The phenomenon that, it is unfavorable for air control management；On the other hand, it may be determined that be best suited for the air control model of trade company, be more in line with client's
Demand improves the usage experience of user.
Embodiment five
Fig. 4 shows the structural schematic diagram for the air control Rule device that the embodiment of the present invention five provides, for the ease of saying
It is bright, part related to the present invention is only shown.
Merchant information acquiring unit 410, for when receiving transaction request, obtaining quotient corresponding with the transaction request
Family information, the merchant information at least carry trade company's air control rule, type of service air control rule, industry air control rule, trade company
One kind in air control rule and the general air control rule of grading.
In embodiments of the present invention, merchant information refers to the essential information of transaction trade company, which can be quotient
The title at family, business license, financial code, affiliated industry, trade company's grading (trade company of such as high, medium and low risk).
In embodiments of the present invention, trade company's air control rule refers to the trading limit data for belonging to the businessman, for example, A quotient
The trading limit at family is 10,000 yuan.
In embodiments of the present invention, type of service air control rule refers to belonging to affiliated type of service (such as wechat of the businessman
Gathering or quick gathering etc.) trading limit data, for example the trading limit that B trade companies fast collect money is 1000 yuan.
In embodiments of the present invention, industry air control rule refers to belonging to the businessman affiliated industry (such as insurance, premises
Production, construction industry etc.) trading limit data, for example the trading limit of C trade companies insurance is 5000 yuan.
In embodiments of the present invention, it is (such as high, medium and low to refer to belonging to grading belonging to the businessman for trade company's grading air control rule
The trade company of risk) trading limit data, such as low-risk trade company trading limit be 20,000 yuan.
In embodiments of the present invention, general air control rule refers to belonging to all trading limit data of the businessman.
In embodiments of the present invention, the essential information of trade company of merchandising should at least carry trade company air control rule, service class
One kind in type air control rule, industry air control rule, trade company's grading air control rule and general air control rule, by determining wherein
A kind of air control rule, so that it is determined that match with the merchant transaction air control rule, avoid due to by taking unified wind
Regulatory control is then defined to trade company so that unified air control rule is more sluggish, and it is accurate to be carried out for specific merchant transaction
Change configuration.
As an embodiment of the present invention, transaction request should carry the Transaction Account number of transaction trade company, pass through the friendship
Easy account can obtain merchant information corresponding with the Transaction Account number in the merchant information set that system prestores.
Trade company's air control grade acquiring unit 420 is matched for being obtained according to preset pairing rules with the merchant information
Trade company's air control grade.
In embodiments of the present invention, pairing rules can be the pre-stored data of local storage medium, pass through pairing rules
It can determine trade company's air control grade corresponding with the merchant information for the trade company that merchandises.
In embodiments of the present invention, the air control rule suitable for the trade company that merchandises can be accurately positioned in trade company's air control grade.
As an optimal enforcement example provided by the invention, Fig. 5 shows the structural schematic diagram of air control grade acquisition device,
For convenience of description, part related to the present invention is only shown.
Further include the first air control Rule subelement 421, the second air control in trade company's air control grade acquiring unit 420
Rule subelement 422, third air control Rule subelement 423, the 4th air control Rule subelement 424 and the 5th
Air control Rule subelement 425.
First air control Rule subelement 421, for obtaining the first air control corresponding with trade company's air control rule
Rule, and be the first air control grade by the first air control rule setting；And/or
Second air control Rule subelement 422, for obtaining and industry air control rule, the type of service air control
The corresponding second air control rule of regular and described trade company grading air control rule, and be the by the second air control rule setting
Two air control grades；And/or
Third air control Rule subelement 423 is graded for obtaining with industry air control rule and the trade company
The corresponding third air control rule of air control rule, and be third air control grade by the third air control rule setting；And/or
4th air control Rule subelement 424, for obtaining the 4th air control corresponding with industry air control rule
Rule, and be the 4th air control grade by the 4th air control rule setting；And/or
Tendencies control Rule subelement 425, for obtaining and regular corresponding 5th air control of the general air control
Rule, and then set the tendencies regulatory control to the 5th air control grade.
As one embodiment provided by the invention.When obtaining at least one air control rule that merchant information carries, root
Air control grade corresponding with air control rule can be determined according to the air control rule, so that it is determined that the air control control suitable for the trade company
System.
In practical application, it is 20,000 yuan that the merchant information of E trade companies, which only carries trading limit, corresponding with the trading limit
It is regular for the first air control, then the air control grade of E trade companies is level-one；For another example, the merchant information of F trade companies only carries institute of F trade companies
The trading limit for belonging to industry is 100,000 yuan, and corresponding with the trading limit is the 4th air control rule, then the air control grade of F trade companies
For level Four.
In embodiments of the present invention, transaction trade company is divided into different levels according to five levels so that divide transaction
The type of trade company is more accurate, so as to realize that the fining to trade company's air control configures, avoids by taking unified wind
Regulatory control is then defined the sluggish problem of comparison to trade company.
Air control Rule unit 430, for obtaining air control rule corresponding with trade company's air control grade.
In embodiments of the present invention, air control rule refers to that the rule of definition transaction air control, air control rule can be local deposit
The pre-stored data of storage media, for example check that the quick trading card transaction limit of XX company's wechats is 5000 yuan；Check retail
The quick trading card transaction limit of industry short message is 3000 yuan etc..
In embodiments of the present invention, when receiving transaction request, merchant information corresponding with the transaction request is obtained,
The merchant information at least carries trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control
One kind in regular and general air control rule should so as to basis by determining at least one merchant information of the trade company
Merchant information understands the basic condition of the trade company and classifies；It is obtained and the merchant information according to preset pairing rules
The trade company's air control grade matched, and air control rule corresponding with trade company's air control grade is obtained, to realize to trade company's air control
Fining configuration.Air control regulation obtaining method provided by the invention determines the air control etc. described in the trade company by merchant information
Grade, and air control rule corresponding with the air control grade is obtained, to reduce the workload of air control rule configuration, save manpower money
Source, and realize that the fining to trade company's air control configures.
Embodiment six
When acquisition has multiple air control rules, air control Rule device further includes：
First air control Rules Filtering subelement is protected for comparing air control grade corresponding with the multiple risk rule
Stay the air control rule of optimal air control grade.
As one embodiment provided by the invention, merchant information can carry trade company's air control rule, type of service wind
A variety of air controls rule during regulatory control is then, industry air control is regular, trade company's grading air control is regular and general air control rule, thus with this
There are multiple for trade company's air control grade that merchant information matches.
In embodiments of the present invention, optimal air control grade can pass through determination with the first order for optimal air control grade
Optimal air control grade improves the accurate of air control rule to filter out the air control rule for being more in line with transaction trade company detection risk
Property.
In practical application, the trading limit of G companies is 10,000 yuan, and the trading limit graded belonging to G companies is 40,000 yuan, then
It is level-one and level Four according to the air control grade that preset pairing rules and G companies match, and according to optimal air control grade
Retain level-one air control grade, i.e. trading limit is 10,000 yuan.
In embodiments of the present invention, regular by retaining the air control of optimal air control grade, on the one hand, to avoid multiple grades
Air control rule carries out the phenomenon that risk control leads to system air control information asymmetry, is susceptible to data perturbation trade company, unfavorable
In air control management；On the other hand, it may be determined that be best suited for the air control rule of trade company, be more in line with the demand of client, improve and use
The usage experience at family.
Embodiment seven
Fig. 6 shows the structural schematic diagram for the air control Rule device that the embodiment of the present invention seven provides, for the ease of saying
It is bright, part related to the present invention is only shown.
Further include that air control model obtains subelement 610 and air control Rule subelement in air control Rule device
620。
Air control model obtains subelement, for obtaining air control model corresponding with air control rule.
In embodiments of the present invention, an air control rule uniquely corresponds to an air control model.
In embodiments of the present invention, air control model is used for for calculating and realizing risk control, such as " blacklist " model
Check trade company's business license, status of a legal person card, contact person's cell-phone number, receiving bank of trade company card number, card BIN whether in blacklist；
" white list " model, for checking trade company's business license, receiving bank of trade company card number whether in white list；" gray list " model,
For checking trade company's business license, receiving bank of trade company card number whether in gray list etc..
In embodiments of the present invention, an air control model can correspond to multiple air control rules, such as " white list " model, can
Whether whether advised in air controls such as white lists in white list, receiving bank of inspection trade company card number with correspondence proving trade company business license
Then.
Air control Rule subelement, for obtaining air control rule corresponding with the air control model.
In practical application, when carrying out 1.5 ten thousand yuan of transaction, then for force one wind regulatory control, i.e. transaction limits air control rule user G
Volume be 20,000 yuan, when detecting user G business licenses at " blacklist ", then limit any transaction of G user, that is, limit this 1.5
Ten thousand yuan of transaction；When detecting user G business licenses not at " blacklist ", then without limitation on any friendship of 20,000 yuan of G user's limit
Easily, that is, allow this 1.5 ten thousand yuan transaction.
In embodiments of the present invention, risk control is carried out to transaction trade company by air control model so that risk rule obtains
More flexible, more precise and high efficiency is taken, real-time risk profile and monitoring effectively are carried out to various finance combinations.
Embodiment eight
When acquisition has multiple air control models, air control Rule device further includes：
Second air control Rules Filtering subelement is used for the priority of more the multiple air control model, acquisition and priority
The highest corresponding air control rule of air control model.
As one embodiment provided by the invention, merchant information can carry trade company's air control rule, type of service wind
A variety of air controls rule during regulatory control is then, industry air control is regular, trade company's grading air control is regular and general air control rule, thus with this
There are multiple for the air control model that merchant information matches.
In embodiments of the present invention, the air control model of highest priority can be using " blacklist " model as highest priority
Air control model, by the optimal air control grade of determination, to filter out the air control model for being more in line with transaction trade company detection risk,
Improve the accuracy of air control rule.
In embodiments of the present invention, by obtaining air control rule corresponding with the air control model of highest priority, a side
Face, avoiding multiple air control models from carrying out risk control to trade company leads to system air control information asymmetry, is susceptible to data perturbation
The phenomenon that, it is unfavorable for air control management；On the other hand, it may be determined that be best suited for the air control model of trade company, be more in line with client's
Demand improves the usage experience of user.
In conclusion in embodiments of the present invention, when receiving transaction request, obtaining corresponding with the transaction request
Merchant information, the merchant information at least carry trade company's air control rule, type of service air control rule, industry air control rule, quotient
One kind in family grading air control rule and general air control rule, by determining at least one merchant information of the trade company, to
The basic condition of the trade company can be understood according to the merchant information and is classified；According to preset pairing rules obtain with it is described
The matched trade company's air control grade of merchant information, and air control rule corresponding with trade company's air control grade is obtained, to realize
Fining configuration to trade company's air control.Air control regulation obtaining method provided by the invention determines the institute of trade company by merchant information
The air control grade stated, and air control rule corresponding with the air control grade is obtained, to reduce the workload of air control rule configuration,
Human resources are saved, and realize that the fining to trade company's air control configures.Meanwhile transaction trade company being divided into not according to five levels
Same level so that the type for dividing transaction trade company is more accurate, so as to realize that the fining to trade company's air control configures, keeps away
Exempt from by taking unified air control rule to be defined the sluggish problem of comparison to trade company；By retaining optimal air control grade
Air control rule, avoiding the air control rule of multiple grades from carrying out risk control to trade company leads to system air control information asymmetry, is easy
There is the phenomenon that data perturbation, be unfavorable for air control management, and can determine the air control rule for being best suited for trade company, is more in line with visitor
The demand at family；Risk control is carried out to transaction trade company by air control model so that the acquisition of risk rule is more flexible, more accurate
Really efficiently, real-time risk profile and monitoring effectively are carried out to various finance combinations；By obtaining the air control with highest priority
The corresponding air control rule of model, on the one hand, avoiding multiple air control models from carrying out risk control to trade company causes system air control to be believed
The phenomenon that ceasing asymmetry, being susceptible to data perturbation, is unfavorable for air control management；On the other hand, it may be determined that be best suited for trade company
Air control model, be more in line with the demand of client, improve the usage experience of user.
The embodiment of the present invention provides a kind of user terminal, which includes：Processor, memory and it is stored in institute
State the computer program that can be run in memory and on the processor, such as air control Rule program.Processor executes
Realize that the function in above-mentioned each air control Rule device embodiment, such as air control rule shown in Fig. 4 obtain when computer program
Take the function of device.
Illustratively, computer program can be divided into one or more modules, one or more module is stored
In memory, and by processor it executes, to complete the present invention.One or more modules can complete specific function
Series of computation machine program instruction section, the instruction segment is for describing the implementation procedure of computer program in the user terminal.For example,
The computer program can be divided into modules as shown in Figure 4.
It will be understood by those skilled in the art that the description of above-mentioned user terminal is only example, do not constitute to user's end
The restriction at end may include component more more or fewer than foregoing description, either combine certain components or different components,
Such as may include input-output equipment, network access equipment, bus etc..
Alleged processor can be central processing unit (Central Processing Unit, CPU), can also be it
His general processor, digital signal processor (Digital Signal Processor, DSP), application-specific integrated circuit
(Application Specific Integrated Circuit, ASIC), ready-made programmable gate array (Field-
Programmable Gate Array, FPGA) either other programmable logic device, discrete gate or transistor logic,
Discrete hardware components etc..General processor can be microprocessor or the processor can also be any conventional processor
Deng the processor is the control centre of the user terminal, utilizes each of various interfaces and the entire user terminal of connection
A part.
The memory can be used for storing the computer program and/or module, and the processor is by running or executing
Computer program in the memory and/or module are stored, and calls the data being stored in memory, described in realization
The various functions of user terminal.The memory can include mainly storing program area and storage data field, wherein storing program area
It can storage program area, the application program (such as sound-playing function, image player function etc.) etc. needed at least one function；
Storage data field can be stored uses created data (such as audio data, phone directory etc.) etc. according to mobile phone.In addition, storage
Device may include high-speed random access memory, can also be hard including nonvolatile memory, such as hard disk, memory, plug-in type
Disk, intelligent memory card (Smart Media Card, SMC), secure digital (Secure Digital, SD) card, flash card
(Flash Card), at least one disk memory, flush memory device or other volatile solid-state parts.
If the integrated module/unit of the user terminal is realized in the form of SFU software functional unit and as independent production
Product are sold or in use, can be stored in a computer read/write memory medium.Based on this understanding, the present invention realizes
All or part of flow in above-described embodiment method can also instruct relevant hardware to complete by computer program,
The computer program can be stored in readable storage medium storing program for executing, the computer program when being executed by processor, it can be achieved that on
The step of stating each embodiment of the method.Wherein, the computer program includes computer program code, the computer program generation
Code can be source code form, object identification code form, executable file or certain intermediate forms etc..The computer-readable medium
May include：Any entity or device, recording medium, USB flash disk, mobile hard disk, magnetic of the computer program code can be carried
Dish, CD, computer storage, read-only memory (ROM, Read-Only Memory), random access memory (RAM,
Random Access Memory), electric carrier signal, telecommunication signal and software distribution medium etc..
The foregoing is merely illustrative of the preferred embodiments of the present invention, is not intended to limit the invention, all essences in the present invention
All any modification, equivalent and improvement etc., should all be included in the protection scope of the present invention made by within refreshing and principle.
Claims (10)
1. a kind of air control regulation obtaining method, which is characterized in that the method includes：
When receiving transaction request, merchant information corresponding with the transaction request is obtained, the merchant information at least carries
There are trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control rule and general air control rule
In one kind；
It is obtained and the matched trade company's air control grade of the merchant information according to preset pairing rules；
Obtain air control rule corresponding with trade company's air control grade.
2. air control regulation obtaining method as described in claim 1, which is characterized in that described to be obtained according to preset pairing rules
The step of trade company's air control grade matched with the merchant information, including：
The first air control rule corresponding with trade company's air control rule is obtained, and is first by the first air control rule setting
Air control grade；And/or
It obtains corresponding with industry air control rule, type of service air control rule and trade company grading air control rule
The second air control rule, and will the second air control rule setting be the second air control grade；And/or
It is regular to obtain third air control corresponding with industry air control rule and trade company grading air control rule, and by institute
It is third air control grade to state third air control rule setting；And/or
The 4th air control rule corresponding with industry air control rule is obtained, and is the 4th by the 4th air control rule setting
Air control grade；And/or
Obtain with the regular corresponding tendencies regulatory control of the general air control then, and the tendencies regulatory control is then set as the 5th
Air control grade.
3. air control regulation obtaining method as claimed in claim 1 or 2, which is characterized in that when acquisition has multiple air control rules,
After the step for obtaining air control rule corresponding with trade company's air control grade, further include：
Compare air control grade corresponding with the multiple risk rule, retains the air control rule of optimal air control grade.
4. air control regulation obtaining method as described in claim 1, which is characterized in that the acquisition and trade company's air control grade
The step of corresponding air control rule, including：
Obtain air control model corresponding with air control rule；
Obtain air control rule corresponding with the air control model.
5. air control regulation obtaining method as claimed in claim 4, which is characterized in that when acquisition has multiple air control models, institute
After stating the step for obtaining air control rule corresponding with the air control model, further include：
The priority of more the multiple air control model obtains air control rule corresponding with the air control model of highest priority.
6. a kind of air control Rule device, which is characterized in that described device includes：
Merchant information acquiring unit, for when receiving transaction request, obtaining merchant information corresponding with the transaction request,
The merchant information at least carries trade company's air control rule, type of service air control rule, industry air control rule, trade company's grading air control
One kind in regular and general air control rule；
Trade company's air control grade acquiring unit, for being obtained and the matched trade company's wind of the merchant information according to preset pairing rules
Control grade；And
Air control Rule unit, for obtaining air control rule corresponding with trade company's air control grade.
7. air control Rule device as claimed in claim 6, which is characterized in that trade company's air control grade acquiring unit,
Including：
First air control Rule subelement, for obtaining the first air control rule corresponding with trade company's air control rule, and
It is the first air control grade by the first air control rule setting；And/or
Second air control Rule subelement, for obtain with industry air control rule, the type of service air control rule with
And the corresponding second air control rule of trade company's grading air control rule, and be the second air control by the second air control rule setting
Grade；And/or
Third air control Rule subelement, for obtaining and industry air control rule and trade company grading air control rule
Corresponding third air control rule, and be third air control grade by the third air control rule setting；And/or
4th air control Rule subelement, for obtaining the 4th air control rule corresponding with industry air control rule, and
It is the 4th air control grade by the 4th air control rule setting；And/or
Tendencies control Rule subelement, for obtain with the regular corresponding tendencies regulatory control of the general air control then, and
Then set the tendencies regulatory control to the 5th air control grade.
8. air control Rule device as claimed in claims 6 or 7, which is characterized in that when acquisition has multiple air control rules,
The air control Rule device further includes：
First air control Rules Filtering subelement retains most for comparing air control grade corresponding with the multiple risk rule
The air control rule of excellent air control grade.
9. air control Rule device as claimed in claim 6, which is characterized in that the air control Rule device, including；
Air control model obtains subelement, for obtaining air control model corresponding with air control rule；And
Air control Rule subelement, for obtaining air control rule corresponding with the air control model.
10. air control Rule device as claimed in claim 9, which is characterized in that when acquisition has multiple air control models, institute
Air control Rule device is stated, further includes：
Second air control Rules Filtering subelement is used for the priority of more the multiple air control model, acquisition and highest priority
Air control model corresponding air control rule.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810141233.1A CN108305012A (en) | 2018-02-11 | 2018-02-11 | A kind of air control regulation obtaining method and device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810141233.1A CN108305012A (en) | 2018-02-11 | 2018-02-11 | A kind of air control regulation obtaining method and device |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN108305012A true CN108305012A (en) | 2018-07-20 |
Family
ID=62865401
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810141233.1A Pending CN108305012A (en) | 2018-02-11 | 2018-02-11 | A kind of air control regulation obtaining method and device |
Country Status (1)
| Country | Link |
|---|---|
| CN (1) | CN108305012A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110020766A (en) * | 2018-11-21 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Risk control method, device, server and storage medium |
| CN110148000A (en) * | 2019-04-17 | 2019-08-20 | 阿里巴巴集团控股有限公司 | A kind of security management and control system and method applied to payment platform |
| CN111144744A (en) * | 2019-12-26 | 2020-05-12 | 支付宝(杭州)信息技术有限公司 | Service processing method and device and electronic equipment |
| CN113159974A (en) * | 2021-04-26 | 2021-07-23 | 南京知风之自网络科技有限公司 | Safety intelligent wind control system |
| CN113538100A (en) * | 2021-07-23 | 2021-10-22 | 建信金融科技有限责任公司 | Service processing method and device, electronic equipment and storage medium |
| CN113888181A (en) * | 2021-10-25 | 2022-01-04 | 支付宝(杭州)信息技术有限公司 | Business processing and risk detection strategy system construction method, device and equipment |
Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2010138445A3 (en) * | 2009-05-28 | 2011-02-17 | Visa International Service Association | Managed real-time transaction fraud analysis and decisioning |
| CN103279883A (en) * | 2013-05-02 | 2013-09-04 | 携程计算机技术（上海）有限公司 | Electronic-payment transaction risk control method and system |
| CN105335815A (en) * | 2015-10-09 | 2016-02-17 | 上海瀚银信息技术有限公司 | Risk control system and method |
| CN107067157A (en) * | 2017-03-01 | 2017-08-18 | 北京奇艺世纪科技有限公司 | Business risk appraisal procedure, device and air control system |
| CN107316134A (en) * | 2017-06-16 | 2017-11-03 | 深圳乐信软件技术有限公司 | A kind of risk control method, device, server and storage medium |
| CN107464183A (en) * | 2017-07-03 | 2017-12-12 | 广州帝隆科技股份有限公司 | Debt-credit method, electronic equipment, storage medium and system based on internet |
-
2018
- 2018-02-11 CN CN201810141233.1A patent/CN108305012A/en active Pending
Patent Citations (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2010138445A3 (en) * | 2009-05-28 | 2011-02-17 | Visa International Service Association | Managed real-time transaction fraud analysis and decisioning |
| CN103279883A (en) * | 2013-05-02 | 2013-09-04 | 携程计算机技术（上海）有限公司 | Electronic-payment transaction risk control method and system |
| CN105335815A (en) * | 2015-10-09 | 2016-02-17 | 上海瀚银信息技术有限公司 | Risk control system and method |
| CN107067157A (en) * | 2017-03-01 | 2017-08-18 | 北京奇艺世纪科技有限公司 | Business risk appraisal procedure, device and air control system |
| CN107316134A (en) * | 2017-06-16 | 2017-11-03 | 深圳乐信软件技术有限公司 | A kind of risk control method, device, server and storage medium |
| CN107464183A (en) * | 2017-07-03 | 2017-12-12 | 广州帝隆科技股份有限公司 | Debt-credit method, electronic equipment, storage medium and system based on internet |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN110020766A (en) * | 2018-11-21 | 2019-07-16 | 阿里巴巴集团控股有限公司 | Risk control method, device, server and storage medium |
| CN110148000A (en) * | 2019-04-17 | 2019-08-20 | 阿里巴巴集团控股有限公司 | A kind of security management and control system and method applied to payment platform |
| CN111144744A (en) * | 2019-12-26 | 2020-05-12 | 支付宝(杭州)信息技术有限公司 | Service processing method and device and electronic equipment |
| CN111144744B (en) * | 2019-12-26 | 2022-06-24 | 支付宝(杭州)信息技术有限公司 | Service processing method and device and electronic equipment |
| CN113159974A (en) * | 2021-04-26 | 2021-07-23 | 南京知风之自网络科技有限公司 | Safety intelligent wind control system |
| CN113538100A (en) * | 2021-07-23 | 2021-10-22 | 建信金融科技有限责任公司 | Service processing method and device, electronic equipment and storage medium |
| CN113888181A (en) * | 2021-10-25 | 2022-01-04 | 支付宝(杭州)信息技术有限公司 | Business processing and risk detection strategy system construction method, device and equipment |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN108305012A (en) | A kind of air control regulation obtaining method and device | |
| CN107679856B (en) | Transaction-based service control method and device | |
| CN108364132A (en) | A kind of air control method, apparatus, computer installation and computer readable storage medium | |
| US20090006315A1 (en) | Structured method for schema matching using multiple levels of ontologies | |
| CN103443800A (en) | Network rating | |
| CN105868878B (en) | The Risk Identification Method and device of MAC Address | |
| CN108667828A (en) | A kind of risk control method, device and storage medium | |
| CN110163413A (en) | Enterprise supervision and method for early warning, device, computer equipment and readable storage medium storing program for executing | |
| CN111562965B (en) | Page data verification method and device based on decision tree | |
| WO2022105135A1 (en) | Information verification method and apparatus, and electronic device and storage medium | |
| CN109992588A (en) | It is a kind of to divide folk prescription method and relevant device based on data processing | |
| CN111931047B (en) | Artificial intelligence-based black product account detection method and related device | |
| WO2023124490A1 (en) | Environment protection-oriented water pollution check method and apparatus based on fusion of power grid and tax data | |
| CN109359938A (en) | A kind of optimization method of flow chart of data processing, device and terminal device | |
| CN108009444A (en) | Authority control method, device and the computer-readable recording medium of full-text search | |
| CN110008986A (en) | The recognition methods of batch risk case, device and electronic equipment | |
| CN112365175A (en) | Enterprise area-based economic analysis method, system, storage medium and equipment | |
| CN109918189B (en) | Resource management method and related equipment | |
| CN105988998A (en) | Relationship network establishment method and device | |
| CN110059234A (en) | Water utilities anomalous event method for detecting and device, computer installation and storage medium | |
| CN109948608A (en) | A kind of license plate number knows method for distinguishing, computer installation and computer readable storage medium | |
| CN114971017A (en) | Bank transaction data processing method and device | |
| CN114841797A (en) | Method and device for determining business processing rule based on Drools rule engine | |
| CN111026705B (en) | Building engineering file management method, system and terminal equipment | |
| CN112560721A (en) | Method and device for switching non-perception model, electronic equipment and storage medium |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| PB01 | Publication | ||
| PB01 | Publication | ||
| SE01 | Entry into force of request for substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| RJ01 | Rejection of invention patent application after publication |
Application publication date: 20180720 |
|
| RJ01 | Rejection of invention patent application after publication |