CN108932622B - Method and system for controlling risk of online transaction and computer readable storage medium - Google Patents
Method and system for controlling risk of online transaction and computer readable storage medium Download PDFInfo
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- CN108932622B CN108932622B CN201711297071.2A CN201711297071A CN108932622B CN 108932622 B CN108932622 B CN 108932622B CN 201711297071 A CN201711297071 A CN 201711297071A CN 108932622 B CN108932622 B CN 108932622B
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
Abstract
The invention discloses a risk control method and system for online transaction and a computer readable storage medium. The risk control method for online transaction comprises the following steps: acquiring the total transaction amount in each transaction message; judging whether the total amount of the transaction meets the preset condition of staged transaction; if not, judging whether the total amount of the transaction is smaller than a preset second control threshold value or not; when the sum of the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode, judging whether the sum of the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode; when the preset condition of selecting the payment mode is met, selecting the payment mode of the transaction; when the preset condition for selecting the payment mode is not met, selecting the payment mode of the transaction as a third party guarantee transaction; and when the payment mode is not smaller than the second control threshold value, selecting the payment mode of the transaction as a third party guarantee transaction. The risk control method for the online transaction can effectively avoid various risks in the online transaction.
Description
Technical Field
The invention relates to the field of electronic information, in particular to a risk control method and system for online transaction and a computer-readable storage medium.
Background
The so-called block chain technology, bt (block chain technology) for short, also called distributed book technology, is an internet database technology, and is characterized by decentralization and public transparency, so that everyone can participate in database recording. The EtherFang establishes an application through a set of Tuliquit complete scripting language (EVM language for short), which is similar to assembly language, and a bottom system capable of realizing intelligent contracts and open sources on a block chain. The etherhouse can be used to program, distribute, vouch for, and trade anything.
In the related art, in the online transaction based on the blockchain technology, there is a lack of control over the risk of the transaction.
Therefore, there is a need to provide a new risk control method, system and computer readable storage medium for online transaction to solve the above technical problems.
Disclosure of Invention
The invention mainly aims to provide a control method of online transaction, aiming at solving the technical problem that the online transaction is lack of risk control in the related technology.
In order to achieve the above object, the risk control method for online transaction provided by the invention comprises the following steps:
acquiring the transaction total amount in each transaction message, and taking the transaction total amount in a single transaction message as the transaction total amount;
judging whether the total amount of the transaction meets the preset condition of staged transaction;
if yes, taking the difference value between the total transaction amount and a preset first control threshold value as the total transaction amount of one transaction message, and taking the first control threshold value as the total transaction amount of the other transaction message; and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount;
if not, judging whether the total amount of the transaction is smaller than a preset second control threshold value or not;
when the total amount of the transaction is smaller than the second control threshold value, acquiring the account balance of a user of a buyer, and judging whether the account balance and the total amount of the transaction meet the preset condition for selecting a payment mode;
when the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode, entering an interface for selecting the payment mode to select the payment mode of the transaction;
when the account balance and the total amount of the transaction do not meet the preset condition of selecting a payment mode, selecting the payment mode of the transaction as a third-party guarantee transaction;
and when the total amount of the transaction is not less than the second control threshold value, selecting the payment mode of the transaction as a third party guarantee transaction.
Preferably, the risk control method for online transaction further comprises:
acquiring transaction parameters and corresponding distinguishing parameters in the transaction information;
judging whether the transaction parameters and the discrimination parameters meet preset release conditions or not;
if yes, issuing the transaction information, and entering the step of acquiring the transaction total amount in each transaction information and taking the transaction total amount in a single transaction information as the transaction total amount;
if not, refusing to issue the transaction information.
Preferably, the risk control method for online transaction further comprises:
acquiring a preset price parameter, and generating a normal price range according to the preset price parameter and a preset formula;
acquiring the transaction unit price in each transaction message, and judging whether the transaction unit price exceeds a normal price range;
when the transaction unit price exceeds the normal price range, outputting an alarm identifier, entering the step of acquiring the transaction total amount in each transaction message, and taking the transaction total amount in a single transaction message as the transaction total amount;
and when the transaction unit price does not exceed the normal price range, not outputting an alarm identifier, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount.
Preferably, the risk control method for online transaction further comprises:
acquiring a credit parameter of a user, and generating a credit value of the user according to a preset scoring rule;
judging whether the credit value meets an abnormal condition or not;
when the credit value meets an abnormal condition, outputting a credit value abnormal identification, the credit parameter and the credit value, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount;
and when the credit value does not meet the abnormal condition, not outputting the credit value abnormal identification, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in the single transaction message as the transaction total amount.
Preferably, the step of obtaining the credit parameter of the user and generating the credit value of the user according to a preset scoring rule specifically includes:
acquiring a credit parameter of a user, and generating a credit value of the user according to the credit parameter and a preset formula;
judging whether the transaction behavior of the user meets a preset bonus condition or not;
when the transaction behavior of the user meets a preset scoring condition, increasing the credit value according to a preset rule;
judging whether the credit value meets an award condition or not;
when the credit value meets the reward condition, the user obtains reward;
outputting the credit value of the user;
and when the credit value does not meet the reward condition, entering the step of outputting the credit value of the user.
Preferably, the step of obtaining the credit parameter of the user and generating the credit value of the user according to a preset scoring rule further includes:
judging whether the transaction behavior of the user meets a preset deduction condition or not;
when the transaction behavior of the user meets a preset deduction condition, reducing the credit value of the user according to a preset rule;
acquiring the deduction times of a user, and judging whether the deduction times meet a sealing condition or not;
when the deduction times meet the sealing condition, sealing the account of the user within a preset time interval;
acquiring the sealing-off times of the account of the user, and judging whether the sealing-off times meet a permanent sealing-off condition;
and when the sealing times meet the permanent sealing condition, permanently sealing the account of the user.
Preferably, the step of obtaining the credit parameter of the user and generating the credit value of the user according to a preset scoring rule further includes:
and when the transaction behavior of the user is judged not to meet the preset deduction condition, the step of judging whether the transaction behavior of the user meets the preset bonus condition is carried out.
Preferably, the step of obtaining the credit parameter of the user and generating the credit value of the user according to a preset scoring rule further includes:
and when the transaction behavior of the user is judged not to meet the preset bonus condition, the step of judging whether the credit value meets the bonus condition is carried out.
The invention also provides a risk control system of the online transaction, which comprises a memory, a processor and a computer program which is stored on the memory and can run on the processor, wherein the processor realizes the steps of the risk control method of the online transaction when executing the computer program.
The invention also provides a computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method for risk control of online transactions.
The online transaction risk control method provided by the invention obtains the transaction total amount in each transaction message, and takes the transaction total amount in a single transaction message as the transaction total amount; judging whether the total amount of the transaction meets the preset condition of staged transaction; if yes, taking the difference value between the total transaction amount and a preset first control threshold value as the total transaction amount of one transaction message, and taking the first control threshold value as the total transaction amount of the other transaction message; entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount; if not, judging whether the total amount of the transaction is smaller than a preset second control threshold value or not; when the total amount of the transaction is smaller than the second control threshold value, acquiring the account balance of a user of a buyer, and judging whether the account balance and the total amount of the transaction meet the preset condition for selecting a payment mode; when the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode, entering an interface for selecting the payment mode to select the payment mode of the transaction; when the account balance and the total amount of the transaction do not meet the preset condition of selecting a payment mode, selecting the payment mode of the transaction as a third-party guarantee transaction; when the total amount of the transaction is not less than the second control threshold value, the payment mode of the transaction is selected as the third-party guarantee transaction, so that the payment mode can be intelligently selected as the third-party payment, when certain limiting conditions are met, the payment mode can be independently selected and not selected as the third-party payment, on the premise that the transaction payment safety is guaranteed, the independent selection is considered, the payment safety can be guaranteed, and the flexibility of user selection is also guaranteed.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the structures shown in the drawings without creative efforts.
FIG. 1 is a flowchart of a risk control method for online transactions according to a first embodiment of the present invention;
fig. 2 is a flowchart illustrating a risk control method for online transaction according to a second embodiment of the present invention.
FIG. 3 is a flowchart illustrating a risk control method for online transaction according to a third embodiment of the present invention;
FIG. 4 is a flowchart illustrating a risk control method for online transaction according to a fourth embodiment of the present invention;
FIG. 5 is a sub-flowchart of step S5 shown in FIG. 4;
fig. 6 is an architecture diagram of a risk control system for online transaction provided by the present invention.
The implementation, functional features and advantages of the objects of the present invention will be further explained with reference to the accompanying drawings.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
It should be noted that all the directional indicators (such as up, down, left, right, front, and rear … …) in the embodiment of the present invention are only used to explain the relative position relationship between the components, the movement situation, etc. in a specific posture (as shown in the drawing), and if the specific posture is changed, the directional indicator is changed accordingly.
In addition, the descriptions related to "first", "second", etc. in the present invention are only for descriptive purposes and are not to be construed as indicating or implying relative importance or implicitly indicating the number of technical features indicated. Thus, a feature defined as "first" or "second" may explicitly or implicitly include at least one such feature. In the description of the present invention, "a plurality" means at least two, e.g., two, three, etc., unless specifically limited otherwise.
In the present invention, unless otherwise expressly stated or limited, the terms "connected," "secured," and the like are to be construed broadly, and for example, "secured" may be a fixed connection, a removable connection, or an integral part; can be mechanically or electrically connected; they may be directly connected or indirectly connected through intervening media, or they may be connected internally or in any other suitable relationship, unless expressly stated otherwise. The specific meanings of the above terms in the present invention can be understood by those skilled in the art according to specific situations.
In addition, the technical solutions in the embodiments of the present invention may be combined with each other, but it must be based on the realization of those skilled in the art, and when the technical solutions are contradictory or cannot be realized, such a combination of technical solutions should not be considered to exist, and is not within the protection scope of the present invention.
Referring to fig. 1, in a first embodiment of the present invention, a method 100 for controlling risk of online transaction includes the following steps:
step S10, acquiring the transaction total amount in each transaction message, and taking the transaction total amount in a single transaction message as the transaction total amount;
specifically, the total transaction amount and the total transaction amount are calculated based on virtual money, and in this embodiment, the electronic point is used as a calculation reference.
Step S20, judging whether the total amount of the transaction meets the preset condition of the staged transaction;
specifically, the preset condition of the staged transaction may be that the total amount of the current transaction is within a preset range, for example, the preset range may be 1 ten thousand electronic points to 2 ten thousand electronic points. When the total amount of the transaction is less than 1 ten thousand points, the transaction risk can be judged to be small, and the staged transaction is not needed; when the total amount of the transaction is between 1 ten thousand electronic points and 2 ten thousand electronic points, the fact that the transaction has certain risks can be judged, and staged transactions are needed to avoid certain risks; when the total amount of the transaction is more than 2 ten thousand electronic integrals, the strong capability of the transaction parties for bearing the transaction risk can be judged without adopting staging transaction.
The preset condition of the staged transaction may also be that the total amount of the current transaction is greater than a third control threshold, for example, the third control threshold may be 1 ten thousand points. When the total amount of the transaction is lower than 1 ten thousand points, the transaction risk can be judged to be small, and the staged transaction is not needed; when the total amount of the transaction is more than 1 ten thousand points, the transaction risk can be judged to be high, and the staged transaction is required.
In this embodiment, the preset condition of the staged transaction is that the total amount of the current transaction is greater than a third control threshold, and the third control threshold is 1 ten thousand electronic points.
Step S30, if yes, taking a difference between the total transaction amount and a preset first control threshold as a total transaction amount of one transaction message, and taking the first control threshold as a total transaction amount of another transaction message; and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount;
in this embodiment, the first control threshold is smaller than the third control threshold, and the first control threshold may be 5 thousand electron integrals.
For example, the first control threshold may be 5 kilo points, the third control threshold may be 1 kilo points, and the total amount of the transaction is 1 kilo and 1 kilo points. The total transaction amount is larger than the third control threshold value, 6 thousand electronic points are used as the total transaction amount of one transaction message, and 5 thousand electronic points are used as the total transaction amount of the other transaction message.
Step S31, if not, judging whether the total amount of the transaction is smaller than a preset second control threshold value;
in this embodiment, the second control threshold is equal to the first control threshold, and the second control threshold is 5 kilo-electron integrals.
Step S40, when the total amount of the transaction is smaller than the second control threshold value, acquiring the account balance of the user of the buyer, and judging whether the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode;
specifically, the account balance is not defined as a, the total amount of the transaction is defined as B, and the preset condition for selecting the payment mode may be that the account balance and the total amount of the transaction satisfy a preset formula condition. The preset formula condition can be that A is more than or equal to 0 and 2-B is more than or equal to 0; the preset formula condition can also be A-1000 ≧ B.
In this embodiment, the preset condition for selecting the payment method is that the account balance and the total amount of the transaction satisfy a preset formula condition, where the formula condition is: a is more than or equal to 0 and 2-B is more than or equal to 0.
Step S50, when the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode, entering an interface for selecting the payment mode to select the payment mode of the transaction;
specifically, the payment mode at least comprises a third party guarantee transaction, P2P and a mixture of the third party guarantee transaction and P2P. When the payment mode of the transaction is selected to be the mixture of the third party guarantee transaction balance P2P, the buyer and the seller can negotiate to divide the total amount of the transaction into two parts, wherein one part of the payment mode is the third party guarantee transaction and the other part of the payment mode is P2P.
For example, the second control threshold is 5 kilo points, the total amount B of the transaction is 4 kilo electronic points, the account balance A of the buyer is 1 kilo electronic point, and A2-B is more than or equal to 0. The buyer and the seller can enter an interface for selecting a payment mode, and the payment mode for selecting the transaction is a third party guarantee transaction or P2P or a mixture of the third party guarantee transaction and P2P.
Step S51, when the account balance and the total amount of the transaction do not meet the preset condition of selecting a payment mode, selecting the payment mode of the transaction as a third party guarantee transaction;
for example, the second control threshold is 5 kilo points, the total amount B of the transaction is 4 kilo electronic points, the account balance A of the buyer is 1 kilo electronic point, A x 2-B is less than 0, and the payment mode of the transaction is selected as the third party guarantee transaction.
And when the total amount of the transaction is not less than the second control threshold value, selecting the payment mode of the transaction as a third party guarantee transaction.
For example, the second control threshold is 5 kilo points, the total amount B of the transaction is 6 kilo electronic points, and the payment mode of the transaction is selected as the third party guarantee transaction.
The online transaction risk control method provided by the invention obtains the transaction total amount in each transaction message, and takes the transaction total amount in a single transaction message as the transaction total amount; judging whether the total amount of the transaction meets the preset condition of staged transaction; if yes, taking the difference value between the total transaction amount and a preset first control threshold value as the total transaction amount of one transaction message, and taking the first control threshold value as the total transaction amount of the other transaction message; entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount; if not, judging whether the total amount of the transaction is smaller than a preset second control threshold value or not; when the total amount of the transaction is smaller than the second control threshold value, acquiring the account balance of a user of a buyer, and judging whether the account balance and the total amount of the transaction meet the preset condition for selecting a payment mode; when the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode, entering an interface for selecting the payment mode to select the payment mode of the transaction; when the account balance and the total amount of the transaction do not meet the preset condition of selecting a payment mode, selecting the payment mode of the transaction as a third-party guarantee transaction; when the total amount of the transaction is not less than the second control threshold value, the payment mode of the transaction is selected as the third-party guarantee transaction, so that the payment mode can be intelligently selected as the third-party payment, when certain limiting conditions are met, the payment mode can be independently selected and not selected as the third-party payment, on the premise that the transaction payment safety is guaranteed, the independent selection is considered, the payment safety can be guaranteed, and the flexibility of a user is also guaranteed.
Referring to fig. 2, based on the risk control method for online transaction provided in the first embodiment of the present invention, in the second embodiment of the present invention, the steps S10 to S40 are the same as those in the first embodiment, and are not repeated herein; the difference is that the risk control method 200 for online transaction further includes:
step S1, acquiring the transaction parameters and the corresponding discrimination parameters in the transaction information;
specifically, the trading parameters at least include a trading unit price and a number of traded commodities. The judging parameter may be a fixed value corresponding to each transaction parameter one to one, and the judging parameter may also be a variation value generated according to a preset formula.
Step S2, judging whether the transaction parameters and the judgment parameters meet preset issuing conditions;
in an embodiment, the transaction parameter includes a transaction unit price, the determination parameter is a fixed value corresponding to the transaction unit price, and the determination parameter is 10 points. The preset issuing condition is that the transaction parameter is larger than the judgment parameter.
In another embodiment, the trading parameter includes a number of traded goods, the determination parameter is a fixed value corresponding to the number of traded goods, and the determination parameter is 100. The preset issuing condition is that the transaction parameter is greater than the discrimination parameter.
In another embodiment, the trading parameter is a trading unit price M, and the discrimination parameter is a variation value generated by a preset formula.
Specifically, the judgment parameter is a floating unit price N, N = D (P + 1), where D is a uniform closing price of the same type of closing commodity within a preset time interval, and P is a preset floating percentage. The preset time interval may be 1 minute, and the floating percentage may be 1.5%.
When the transaction unit price is issued by the buyer, the preset issuing condition is that N is more than M.
When the transaction unit price is issued by the seller, the preset issuing condition is that N is less than M.
Step S21, if yes, the transaction information is released, the step of obtaining the transaction total amount in each transaction information is carried out, and the transaction total amount in a single transaction information is used as the transaction total amount;
step S22, if not, refusing to issue the transaction information
Therefore, some risky transactions are reasonably avoided through certain risk avoiding conditions set for issuing the transaction information, and the transaction information cannot be issued.
Referring to fig. 3, based on the method for controlling risk of online transaction provided by the first embodiment of the present invention, in the third embodiment of the present invention, the steps S10 to S40 are the same as those in the first embodiment, and are not repeated herein; the difference is that the risk control method 300 for online transaction further includes:
step S3, acquiring a preset price parameter, and generating a normal price range according to the preset price parameter and a preset formula;
in this embodiment, the preset price parameter is a next-day closing unit price S, and the normal price range is (X1, X2); the predetermined formula is X1= S (1+ P1), and X2= S (1+ P2). P1 may equal-50% and P2 may equal 100%.
Step S4, obtaining the trade unit price in each trade information, and judging whether the trade unit price exceeds the normal price range;
step S41, when the trade unit price exceeds the normal price range, outputting an alarm identifier, entering the step of obtaining the trade total amount in each trade information, and taking the trade total amount in a single trade information as the trade total amount;
for example, the next day closing unit price S is 50 points, P1 is equal to-50%, P2 is equal to 100%, and the normal price range is (25, 100%).
The transaction unit price in each transaction message is 20 points, the normal price range is exceeded (25, 100), the warning identifier is output, and the step S10 is proceeded.
And step S42, when the transaction unit price does not exceed the normal price range, not outputting the warning identifier, and entering the step of acquiring the transaction total amount in each transaction message, and taking the transaction total amount in a single transaction message as the transaction total amount.
For example, the next day closing unit price S is 50 points, P1 is equal to-50%, P2 is equal to 100%, and the normal price range is (25, 100%).
The transaction unit price in each transaction message is 30 points, the normal price range is not exceeded (25, 100), no warning identifier is output, and the process proceeds to the step S10.
In this embodiment, the warning identifier is displayed in red for the transaction unit price.
Therefore, the transaction unit price early warning function is effectively provided, and timely and safe reminding is provided for each transaction.
Referring to fig. 4, based on the risk control method for online transaction provided in the first embodiment of the present invention, in the fourth embodiment of the present invention, the steps S10 to S40 are the same as those in the first embodiment, and are not repeated herein; the difference is that the risk control method 400 for online transaction further includes:
s5, acquiring the credit parameters of the user, and generating the credit value of the user according to the preset scoring rule;
specifically, the information parameters of the user at least include transaction times, accumulated transaction amount and transaction goodness, and the credit value of the user is generated according to a preset rule and the information parameters of the user. In this embodiment, the transaction goodness is equal to the goodness of the transaction/number of transactions.
S6, judging whether the credit value meets an abnormal condition;
specifically, the abnormal condition may be that the credit value of the user is 100; the exception condition may also be that the transaction goodness is less than a pre-established value.
S61, when the credit value meets the abnormal condition, outputting the credit value abnormal identification, the credit parameter and the credit value, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount;
in one embodiment, the exception condition is that the credit value of the user is 100, and when the credit value is equal to 100, the credit value exception identifier, the credit parameter and the credit value are output, and the step 10 is performed.
In another embodiment, the user has a transaction goodness of 0.3 and a pre-made value of 0.6, the user outputs a credit value abnormal flag, the credit parameter and the credit value if the transaction goodness is smaller than the pre-made value and the transaction goodness is smaller than the pre-made value, and proceeds to step 10.
And S62, when the credit value does not satisfy the abnormal condition, not outputting the credit value abnormal identification, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount.
In this embodiment, the abnormal flag indicates that the user name of the user is displayed in red, and the output credit parameter and the output credit value are both displayed in red.
Therefore, an effective and evaluable user credit assessment mechanism is established, and the two parties of the transaction can evaluate the credibility of the transaction more conveniently.
Referring to fig. 5, the step S5 specifically includes the following steps:
s510, acquiring a credit parameter of a user, and generating a credit value of the user according to the credit parameter and a preset formula;
specifically, the information parameters of the user at least include transaction times, accumulated transaction amount and transaction goodness, and the credit value of the user is generated according to a preset rule and the information parameters of the user. In this embodiment, the transaction goodness is equal to the goodness of the transaction/number of transactions.
In this embodiment, the number of transactions is defined as B1, the accumulated transaction amount is B2, the transaction goodness is B3, the credit value of the user is B, and the preset formula is B = B1 × B2 × B3/10000+ 100.
S521, judging whether the transaction behavior of the user meets a preset bonus condition;
specifically, the preset bonus condition may be that transaction payment is completed within a preset time interval since the transaction information is issued.
The preset bonus condition can also be that the transaction unit price of the issued transaction is less than the preset normal price.
S531, when the transaction behavior of the user meets a preset scoring condition, adding the credit value according to a preset rule;
in particular, the credit value 20 is incremented each time.
S541, judging whether the credit value meets an incentive condition;
specifically, the reward condition may be that the credit value of the user is in the top ten of the credit values of all users within a preset time interval.
The reward condition may be that the credit value of the user is increased by a value exceeding a preset value within a preset time interval.
S551, when the credit value meets the reward condition, the user obtains reward;
in this embodiment, the reward is to push the name of the user to the credit standing list of the head-bar user.
S561, outputting the credit value of the user;
and when the credit value does not meet the reward condition, entering the step of outputting the credit value of the user.
Therefore, the risk control method of online transaction is further optimized, and the reward mechanism of user credit management is conveniently promoted.
The step of obtaining the credit parameter of the user and generating the credit value of the user according to a preset scoring rule specifically further includes:
step S520, judging whether the transaction behavior of the user meets a preset deduction condition;
specifically, the preset deduction condition may be that transaction payment is not completed within a preset time interval since the transaction information is issued.
The preset deduction condition can also be that the transaction unit price of the issued transaction is larger than the preset normal price.
Step S530, when the transaction behavior of the user meets a preset deduction condition, reducing the credit value of the user according to a preset rule;
in particular, the credit value is 20 for each decrement.
Step S540, obtaining the deduction times of the user and judging whether the deduction times meet the sealing condition;
specifically, the blocking condition is that the number of times of deduction of the user is more than 5 times.
Step S550, when the deduction times meet the sealing condition, sealing the account of the user within a preset time interval;
step S560, acquiring the sealing-off times of the account of the user, and judging whether the sealing-off times meet the permanent sealing-off condition;
specifically, the permanent shut-down condition is that the number of shut-down times is greater than 3.
And step S570, when the sealing times meet the permanent sealing condition, permanently sealing the account of the user.
Thereby further improving the credit penalty mechanism of the users of the online transaction system.
In an embodiment, the step of obtaining the credit parameter of the user and generating the credit value of the user according to a preset scoring rule further includes:
and when the transaction behavior of the user is judged not to meet the preset bonus condition, the step of judging whether the credit value meets the bonus condition is carried out.
In another embodiment, the step S520 and the step S521 may occur simultaneously.
Thereby further refining the connection of the penalty and the reward of the online transaction system.
In this embodiment, the step of obtaining the credit parameter of the user and generating the credit value of the user according to a preset scoring rule further includes:
when the transaction behavior of the user is judged not to meet the preset deduction condition, the step of judging whether the transaction behavior of the user meets the preset bonus condition is carried out;
entering a step of outputting the credit value of the user when the deduction times are judged not to meet the sealing-up condition;
and entering the step of outputting the credit value of the user when the number of times of the sealing-up is judged not to meet the permanent sealing-up condition.
Referring to fig. 6, the present invention further provides a risk control system 1 for online transaction, where the risk control system 1 for online transaction may be disposed on a terminal and/or a network server. In this embodiment, the risk control system 1 for online transactions is integrated on one server.
Specifically, the present invention provides a risk control system 1 for online transaction, which includes a memory 11, a processor 12 and a computer program stored in the memory 11 and operable on the processor 12, wherein the processor 12 implements the steps of the risk control method for online transaction when executing the computer program.
Since the technical solution of the risk control system 1 for online transaction at least includes all technical solutions of the embodiments of the risk control method for online transaction, at least all technical effects of the above embodiments are achieved, and details are not repeated here.
The invention also provides a computer-readable storage medium, on which a computer program is stored which, when being executed by a processor, carries out the steps of the method for risk control of online transactions.
Since the technical solution of the computer-readable storage medium at least includes all technical solutions of the embodiments of the risk control method for online transaction, at least all technical effects of the embodiments are achieved, and details are not repeated here.
The above description is only a preferred embodiment of the present invention, and is not intended to limit the scope of the present invention, and all modifications and equivalents of the present invention, which are made by the contents of the present specification and the accompanying drawings, or directly/indirectly applied to other related technical fields, are included in the scope of the present invention.
Claims (9)
1. A method for risk control of an online transaction, comprising:
acquiring the transaction total amount in each transaction message, and taking the transaction total amount in a single transaction message as the transaction total amount;
judging whether the total amount of the transaction meets the preset condition of staged transaction;
if yes, taking the difference value between the total transaction amount and a preset first control threshold value as the total transaction amount of one transaction message, and taking the first control threshold value as the total transaction amount of the other transaction message; and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount;
if not, judging whether the total amount of the transaction is smaller than a preset second control threshold value or not;
when the total amount of the transaction is smaller than the second control threshold value, acquiring the account balance of a user of a buyer, and judging whether the account balance and the total amount of the transaction meet the preset condition for selecting a payment mode;
when the account balance and the total amount of the transaction meet the preset condition of selecting a payment mode, entering an interface for selecting the payment mode to select the payment mode of the transaction;
when the account balance and the total amount of the transaction do not meet the preset condition of selecting a payment mode, selecting the payment mode of the transaction as a third-party guarantee transaction;
when the total amount of the transaction is not less than the second control threshold value, selecting the payment mode of the transaction as a third party guarantee transaction;
the risk control method for online transaction further comprises the following steps:
acquiring transaction parameters and corresponding distinguishing parameters in the transaction information;
judging whether the transaction parameters and the discrimination parameters meet preset release conditions or not;
if yes, issuing the transaction information, and entering the step of acquiring the transaction total amount in each transaction information and taking the transaction total amount in a single transaction information as the transaction total amount;
if not, refusing to issue the transaction information.
2. The method for risk control of online transactions according to claim 1, wherein the method for risk control of online transactions further comprises:
acquiring a preset price parameter, and generating a normal price range according to the preset price parameter and a preset formula;
acquiring the transaction unit price in each transaction message, and judging whether the transaction unit price exceeds a normal price range;
when the transaction unit price exceeds the normal price range, outputting an alarm identifier, entering the step of acquiring the transaction total amount in each transaction message, and taking the transaction total amount in a single transaction message as the transaction total amount;
and when the transaction unit price does not exceed the normal price range, not outputting an alarm identifier, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount.
3. The method of risk control for online transactions according to claim 2, wherein the method of risk control for online transactions further comprises:
acquiring a credit parameter of a user, and generating a credit value of the user according to a preset scoring rule;
judging whether the credit value meets an abnormal condition or not;
when the credit value meets an abnormal condition, outputting a credit value abnormal identification, the credit parameter and the credit value, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in a single transaction message as the transaction total amount;
and when the credit value does not meet the abnormal condition, not outputting the credit value abnormal identification, and entering the step of acquiring the transaction total amount in each transaction message and taking the transaction total amount in the single transaction message as the transaction total amount.
4. The method for risk control of online transaction as claimed in claim 3, wherein the step of obtaining the credit parameters of the user and generating the credit value of the user according to the preset scoring rules specifically comprises:
acquiring a credit parameter of a user, and generating a credit value of the user according to the credit parameter and a preset formula;
judging whether the transaction behavior of the user meets a preset bonus condition or not;
when the transaction behavior of the user meets a preset scoring condition, increasing the credit value according to a preset rule;
judging whether the credit value meets an award condition or not;
when the credit value meets the reward condition, the user obtains reward;
outputting the credit value of the user;
and when the credit value does not meet the reward condition, entering the step of outputting the credit value of the user.
5. The method for risk control of online transaction as claimed in claim 4, wherein the step of obtaining the credit parameters of the user and generating the credit value of the user according to the preset scoring rules further comprises:
judging whether the transaction behavior of the user meets a preset deduction condition or not;
when the transaction behavior of the user meets a preset deduction condition, reducing the credit value of the user according to a preset rule;
acquiring the deduction times of a user, and judging whether the deduction times meet a sealing condition or not;
when the deduction times meet the sealing condition, sealing the account of the user within a preset time interval;
acquiring the sealing-off times of the account of the user, and judging whether the sealing-off times meet a permanent sealing-off condition;
and when the sealing times meet the permanent sealing condition, permanently sealing the account of the user.
6. The method for risk control of online transaction as claimed in claim 5, wherein the step of obtaining the credit parameters of the user and generating the credit value of the user according to the preset scoring rules further comprises:
and when the transaction behavior of the user is judged not to meet the preset deduction condition, the step of judging whether the transaction behavior of the user meets the preset bonus condition is carried out.
7. The method for risk control of online transaction as claimed in claim 6, wherein the step of obtaining the credit parameters of the user and generating the credit value of the user according to the preset scoring rules further comprises:
and when the transaction behavior of the user is judged not to meet the preset bonus condition, the step of judging whether the credit value meets the bonus condition is carried out.
8. A risk control system for online transactions, comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor, when executing the computer program, implements the steps of the risk control method for online transactions according to any of claims 1-7.
9. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method for risk control of online transactions according to any one of claims 1 to 7.
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