CN109034823A - risk identification method, device and server - Google Patents
risk identification method, device and server Download PDFInfo
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- CN109034823A CN109034823A CN201810790676.3A CN201810790676A CN109034823A CN 109034823 A CN109034823 A CN 109034823A CN 201810790676 A CN201810790676 A CN 201810790676A CN 109034823 A CN109034823 A CN 109034823A
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- 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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Abstract
This specification embodiment provides a kind of Risk Identification Method, the purchase permission for meeting its own behavioural characteristic is customized out for different user sides, so as to more accurately identify the order request of the user side with the presence or absence of risk according to current purchase permission, the economic loss for reducing service provider also avoids bothering the frequent of high credit grade client caused by purchase priority assignation is improper.
Description
Technical field
This specification embodiment is related to risk identification technical field more particularly to a kind of Risk Identification Method, device and clothes
Business device.
Background technique
In a networked society, in order to facilitate the service commodity provided using Internet service provider that user can continue, it is proposed elder generation
Mode is paid after enjoying, i.e., user can first use service commodity, then delay and pay.
Mode is paid afterwards while providing the user with convenient however, first enjoying, and is also brought risk to Internet service provider, is caused
Internet service provider cannot but receive the payment of certain customers, cause economic loss after providing service commodity.
Summary of the invention
This specification embodiment provides and a kind of Risk Identification Method, device and server.
In a first aspect, this specification embodiment provides a kind of Risk Identification Method, comprising:
The user information of the behavioural characteristic of characterization user side is obtained, and the user side is determined based on the user information
Credit grade；According to the corresponding relationship of the credit grade and the credit grade prestored and purchase permission, the user side is determined
Current purchase permission；According to the current purchase permission, identify that the order request that the user side is sent whether there is risk.
Second aspect, this specification embodiment provide a kind of risk identification device, comprising:
Level de-termination unit, the user information of the behavioural characteristic for obtaining characterization user side, and believed based on the user
Breath determines the credit grade of the user side；Permission determination unit, for according to the credit grade and the credit grade prestored
With the corresponding relationship of purchase permission, the current purchase permission of the user side is determined；Recognition unit, for according to the current purchase
Call option limit identifies that the order request that the user side is sent whether there is risk.
The third aspect, this specification embodiment provide a kind of server, including memory, processor and are stored in memory
Computer program that is upper and can running on a processor, the processor realize wind described in any of the above-described when executing described program
The step of dangerous recognition methods.
Fourth aspect, this specification embodiment provide a kind of computer readable storage medium, are stored thereon with computer journey
Sequence, when which is executed by processor the step of Risk Identification Method described in realization any of the above-described.
This specification embodiment has the beneficial effect that:
The Risk Identification Method provided through the embodiment of the present invention determines the letter of user according to the user information of user side
With grade and then confirm its current purchase permission, realization can customize out for different user sides meets its own behavioural characteristic
Permission is bought, so as to more accurately identify that the order request of the user side whether there is risk according to current purchase permission,
The economic loss for reducing service provider also avoids the improper caused frequency to high credit grade client of purchase priority assignation
It is numerous to bother.
Detailed description of the invention
Fig. 1 is this specification embodiment risk identification application scenarios schematic diagram；
The flow chart for the Risk Identification Method that Fig. 2 this specification embodiment first aspect provides；
The risk identification apparatus structure schematic diagram that Fig. 3 this specification embodiment second aspect provides；
The server architecture schematic diagram that Fig. 4 this specification embodiment third aspect provides.
Specific embodiment
In order to better understand the above technical scheme, below by attached drawing and specific embodiment to this specification embodiment
Technical solution be described in detail, it should be understood that the specific features in this specification embodiment and embodiment are to this explanation
The detailed description of book embodiment technical solution, rather than the restriction to this specification technical solution, in the absence of conflict,
Technical characteristic in this specification embodiment and embodiment can be combined with each other.
It is this specification embodiment risk identification application scenarios schematic diagram referring to Fig. 1.Terminal 100 is located at user side, with net
The server 200 of network side communicates.Trading processing client 101 in terminal 100 can be the APP that business is realized based on internet
Or website, it the interface of transaction is provided and transaction data is supplied to network side for user handles；Risk in server 200
Identifying system 201 is for identifying risky transaction involved in trading processing client 101.
By taking service provider provides the cloud services commodity such as cloud computing, cloud storage and cloud security as an example, existing payment mode includes
Post-paid mode places an order in user side to server, cloud service commodity to the user side first provided in order request makes
With, then set time (for example, fixation monthly is withholdd day) is unified in by service provider and withhold in batches.However, going out in user
Existing bankroll problem or there are when low credit customer, service provider is caused by the deducting fees and be easy to appear short deposit balance of set time
It withholds unsuccessfully, to bad credit occur, brings economic loss to service provider.
This specification embodiment customizes out the purchase permission for meeting its own behavioural characteristic for different user sides, thus
Service provider can be reduced according to the order request that current purchase permission more accurately identifies the user side with the presence or absence of risk
Economic loss, also avoid purchase priority assignation it is improper caused by high credit grade client frequently bothering.
In a first aspect, this specification embodiment provides a kind of Risk Identification Method, for the user information according to user side,
Its credit grade current purchase permission corresponding with its is determined, thus the order sent according to current purchase authority recognition user side
Request whether there is risk.
Referring to FIG. 2, the above method includes S201-S203.
S201: obtaining the user information of the behavioural characteristic of characterization user side, and the letter of user side is determined based on user information
Use grade.
In the embodiment of the present application, user information, comprising: registration information, history payment information or the equipment of user side
Any one or more of information of status information.Specifically, it can be user's registration area information, registration trade information, close
Connection account enlivens information, facility information, environmental information, history pre-payment payment information, history post-paid payment information and product
One of use information or much information.
Wherein, user's registration area information is the geographic area of user's registration, such as: Chengdu, Wuhan or south China etc.；Registration
Trade information is the information of the business fields of user's registration, such as: education, medical treatment or government affairs etc.；Interlock account is actively believed
Breath is the information such as the log duration, frequency or service life of the associated account of user side；Facility information is the type of user side equipment
Number, the information such as type or number of devices；Environmental information is the letter such as network connection environment or installation system environment of user side equipment
Breath；History pre-payment payment information is that payment reused the information such as the amount of money, the number of service commodity to user side in advance in the past；History
Post-paid payment information is the information such as the amount of money, number, delay in payment that user side was first paid using service commodity again in the past；Product
Use information is user side purchase and used service commodity type, quantity and uses the information such as duration.
The acquisition of above-mentioned user information, which can be, reports rule according to preset by the APP of user side installation or the website of unlatching
Then, triggering user side is sent to server；It is also possible to be sent by server and collects what request was obtained to user side；It can be with
It is that server arranges acquisition from transaction log, this is not restricted.
And based on user information determine user side credit grade method can also there are many, being set forth below two kinds is
Example:
The first is calculated by preset model using user information as the input data of preset model and determines user side
Credit grade.
Specifically, the credit grade that each user side is calculated using preset model can not only be by quick model meter
Calculate the speed for improving and determining credit grade, moreover it is possible to the training by using more and more abundant user information as the preset model
Data improve the counting accuracy of model, and the credit grade determined is made more to meet the behavioural characteristic of each user side.
In the specific implementation process, it can be, using user information as the input data of preset model, pass through preset model
The direct export credit level data of calculating；It is also possible to the input data using user information as preset model, by default
Model first calculates the credit score of output user side, corresponding with credit grade further according to credit score and the credit score prestored
Relationship determines the credit grade of user side, and this is not restricted.
Preset model can be the model based on random forests algorithm, be also possible to have supervision or unsupervised based on others
The model of algorithm, such as: gradient promotes tree algorithm, neural network algorithm, clustering algorithm, the abnormality detection calculation based on Gaussian Profile
Method, etc., this is not restricted.
Below to generate preset model using random forests algorithm, said for the preset model export credit score
It is bright.
Random forest is the forest algorithm comprising multiple decision trees, and the score value of its output is point by setting output individually
Depending on the mode of value.It is to establish a forest with random manner, includes many decision trees inside forest, random forest
It is not associated between every decision tree.As soon as when thering is a new input sample to enter, by each in forest
Decision tree is respectively calculated, and determines the score value of the sample, then looks at which score value at most, is just used as this sample by selection
Prediction score value.
For example, nearly 2 years user data are first collected in this specification embodiment, user's letter including each user side
The situation data of deducting fees of breath and each user side, then user data is arranged by staff, and is carried out according to situation of deducting fees
Pre- marking, generates n training sample, wherein every training sample includes the user information of a user side and its corresponding pre- beats
Divide score value.N training sample input random forests algorithm is generated preset model to give a mark, by calculated prediction score value and
The pre- marking score value of training sample is compared, and corrects preset model further according to comparison result, to complete to preset model
Training.When the pre- marking score value of preset model and the difference of pre- marking score value are less than preset range, it is believed that preset model symbol
It closes and is expected, can dispose online determining user credit grade.
And according to preset model calculate output user side credit score, come determine user side credit grade side
Method can be the mapping form for presetting credit score range and credit grade, confirm credit by inquiry mapping form
Grade；It is also possible to preset the computation rule of credit score and credit grade, credit grade is confirmed by computation rule
(for example, using ten digits of credit score as its credit grade), this is not restricted.
Second, the mapping form of credit grade and user information is set, determining credit grade of tabling look-up is passed through.
The mapping form of credit grade and user information is preset, there are different user's letters in the mapping form
Breath combination and its corresponding credit grade, after obtaining user information, it is only necessary to it is corresponding to find the user information into table
Credit grade.
Certainly, in the specific implementation process, according to user information confirm credit grade mode be not limited to it is above two,
This also will not enumerate with no restriction.
S202: according to the corresponding relationship of credit grade and the credit grade prestored and purchase permission, working as user side is determined
Preceding purchase permission.
Specifically, credit grade can be preset and buy the mapping table of permission, by inquiring the mapping table come really
Determine the corresponding purchase permission of credit grade of user side, the current purchase permission that this places an order as the user side.
In the embodiment of the present application, the current purchase permission of user side, comprising: the user side allows the product kind bought
Class, product quantity or to delay payment amount any one or more of.Wherein, it delays payment amount and refers to that user can first use quotient
Product, after the merchandise charge full amount that is paid.Specifically, when the service commodity of purchase is cloud service commodity, the product
Quantity can refer to instance number amount, that is, refer to the number of devices or resource size of the service of offer.
For example, by taking service commodity is cloud service commodity as an example, purchase permission may is that the user side, and this can only be purchased
Buy cloud computing service and cloud storage service；The user side only obtains 4 instance numbers；The payment amount of delaying of the user side is 2
Ten thousand.
By taking service commodity is online shopping platform service commodity as an example, purchase permission may is that the user side, and this can only be bought
Retail shop's link push is shown into the service in homepage；The payment amount of delaying of the user side is 10,000.
S203: according to current purchase permission, the order request that identification user side is sent whether there is risk.
It can be identified by the regulation whether the purchase information for judging to carry in order request meets current purchase permission
With the presence or absence of risk.If range of the purchase request beyond current purchase permission, then it is assumed that there are risks；If purchase request exists
In the range of current purchase permission, then it is assumed that risk is not present.
For example, the product category and product quantity of this purchase, root are carried in the order request that user side is sent
Total cost needed for can determine this time purchase according to product category and product quantity.The product bought in order request is judged respectively
Whether type, product quantity and total cost, which meet current purchase right, limits defined product category, product quantity and delays payment amount
Degree.Think that there is no risks if meeting and thinks that there are risks if there is not meeting.
For example, the purchase information that the order request that user side is sent carries is to buy cloud security service, 3 instance numbers.And
Determine that the current purchase right of the user side is limited to that cloud computing service and cloud storage service can only be bought；The user side only obtains
4 instance numbers；The payment amount of delaying of the user side is 20,000.Since cloud security service is not in the current purchase right of the user side
In limit, then it is assumed that there are risks.
It should also be noted that, Risk Identification Method provided by the embodiment can arrange below there are many implementing procedure scheme
It lifts for two kinds:
The first, is triggered by order request and obtains user information.
After the order request that server receives user side transmission, triggering responds the order request, executes step S201
~S203.I.e. server is that just triggering obtains user information progress risk identification after the order request for receiving user side.
It second, periodically obtains user information progress user gradation and determines, risk identification is triggered by order request.
Step S201~S202 is executed by the preset period 1 (daily, every 2 days or every 10 hours etc.), and stores each use
The current purchase permission that family side is determined, after the order request that server receives user side transmission, triggering responds the order
Request executes step S203.I.e. server can user information that periodically (daily, every 10 hours or weekly) collect each user side come
It determines the current purchase permission of a user side and stores, the just current purchase of triggering basis after the order request for receiving user side
Permission carries out risk identification.
Certainly, in the specific implementation process, it is not limited to above two implementing procedure scheme, step can also be periodically executed
S201, just triggering executes step S202~S203 after the order request for receiving user side, and this is not restricted.
After identifying order request with the presence or absence of risk by step S203, so that it may be arranged according to recognition result different
Risk processing method, to guarantee the economic interests of service provider.
In one implementation, after identifying order request with the presence or absence of risk, if there is no risk, then to institute
Stating user side provides order request corresponding service commodity；If there is risk, then the order request is intercepted.In order to avoid intercepting
Cause user side that cannot place an order again after the order request and buy service commodity, server can be set and feed back to intercept to user side and believe
Breath, the reasons why which includes: interception explanation, prompt user to promote the method for credit grade (for example, user is instructed to submit
Corresponding data proves or user is instructed to bind new Send only Account etc.).
In another implementation, identifying order request with the presence or absence of after risk, if there is no risk, then to
The user side provides order request corresponding service commodity；If there is risk, then part payment fund is first deducted, then to institute
Stating user side provides order request corresponding service commodity.
Further, it is contemplated that after the order request of user side passes through, using during service commodity, with using
The increase of time can generate more cost consumptions, in order to reduce cost consumption of user side during using service commodity
Service provider's bring economic loss risk is given, the present embodiment, which is additionally arranged to user side, provides order request corresponding service commodity
Later, also the use that user side uses service commodity can be obtained by preset second round (one hour, half an hour or one day etc.)
Information, and billing data is generated according to use information, further according to the billing data of generation, identify user side with the presence or absence of deposit not
Sufficient risk.
In one implementation, identification user side whether there is the process of risk insufficient in fund are as follows: by newly-generated account
Other behavioural characteristic data of forms data and the user side are as new user information, then the method for using step S201~S202
It determines currently to buy permission, by judging whether the currently used service commodity of user meets new calculated current purchase right
Limit, to recognize whether risk insufficient in fund.
In another implementation, identification user side whether there is the process of risk insufficient in fund are as follows: will be newly-generated
Determine that the payment amount of delaying currently bought in permission is compared before billing data and the user side, to identify whether to deposit
In risk insufficient in fund.The amount of money that can be newly-generated billing data, which is more than or equal to, delays payment amount, then it is assumed that exists
Money shortfall risk, the amount of money for being also possible to newly-generated billing data are less than pre-configured margin away from the difference for delaying payment amount, then
Think that there are risks insufficient in fund.
Further, identifying user side, there are account corresponding from user side after risk insufficient in fund, can be set
The middle expense for deducting the user side and having consumed but not yet having withholdd, to reduce bad debt risk.If deduction is unsuccessful, forbid user
Side continues to use service commodity, reduces loss.Examination information can also be sent to unsuccessful user side is deducted, to remind user
Side uploads audit data to apply continuing to use commodity.
As it can be seen that the Risk Identification Method provided through the embodiment of the present invention, determines use according to the user information of user side
The credit grade at family confirms its current purchase permission in turn, customizes out the purchase for meeting its own behavioural characteristic for different user sides
Call option limit, so as to more accurately identify that the order request of the user side whether there is risk according to current purchase permission, i.e.,
It is improper caused to the frequent of high credit grade client to also avoid purchase priority assignation for the economic loss for reducing service provider
It bothers.
Illustrated with a concrete application scene, for example, the lateral server of user is sent in the scene of purchase cloud service commodity
After order request, given a mark to input to user side by the online Credit Model of server with the user information of user side.And
According to marking confirmation, it whether there is (Non Fufficient Fund, NSF) risk insufficient in fund, order and if so, intercepting
It is single, it places an order success if there is no then user.After user places an order successfully, the bill of the primary user side, knot are generated per hour
It closes the bill to give a mark using online Credit Model again, is confirmed whether that there are NSF risks according to marking result.If there is no
Risk is not dealt with then, is then triggered and is withholdd if there is risk.Do not dealt with if withholing successfully, if withhold it is unsuccessful if
It takes and the reinforcing of account holder is examined to understand the legitimacy (Know Your Customer, KYC) of funds source or prohibit
The only measures such as commodity in use.
Second aspect, based on the same inventive concept, this specification embodiment provide a kind of risk identification device, referring to Fig. 3,
The risk identification device, comprising:
Level de-termination unit 301, the user information of the behavioural characteristic for obtaining characterization user side, and it is based on the user
Information determines the credit grade of the user side；
Permission determination unit 302, for corresponding with purchase permission according to the credit grade and the credit grade prestored
Relationship determines the current purchase permission of the user side；
Recognition unit 303, for according to the current purchase permission, identifying whether is order request that the user side is sent
There are risks.
In a kind of optional mode, the user information, comprising: the registration information of the user side, history payment letter
Breath or any one or more of combination of device status information.
In a kind of optional mode, the level de-termination unit 301 is also used to: using the user information as default mould
The input data of type calculates the credit grade for determining the user side by the preset model.
In a kind of optional mode, the level de-termination unit 301 is also used to: using the user information as default mould
The input data of type calculates the credit score for exporting the user side by the preset model；According to the credit score and
The corresponding relationship of the credit score and credit grade that prestore determines the credit grade of the user side.
In a kind of optional mode, the permission determination unit 302 is also used to: determining what the user side allowed to buy
Product category, product quantity delay any one or more of combination of payment amount.
In a kind of optional mode, the device further include:
Processing unit 304 provides the order to the user side if risk is not present for the order request
Request corresponding service commodity；If there are risks for the order request, the order request is intercepted.
In a kind of optional mode, the processing unit 304 is also used to: obtaining the user by preset second round
Side uses the use information of the service commodity, and generates billing data according to the use information；According to the billing data,
Identify the user side with the presence or absence of risk insufficient in fund.
In a kind of optional mode, the processing unit 304 is also used to: if there are insufficient in fund for the order request
Risk then deducts the expense that the user side has been consumed but not yet withholdd from the corresponding account of the user side.
In a kind of optional mode, the processing unit 304 is also used to: if deduction is unsuccessful, forbidding the use
Family side uses the service commodity.
In a kind of optional mode, the level de-termination unit 301 is also used to: in the institute for receiving the user side transmission
When stating order request, the order request is responded, to obtain the user information of the behavioural characteristic of characterization user side.
In a kind of optional mode, the level de-termination unit 301 is also used to: by the preset period 1, obtaining table
Levy the user information of the behavioural characteristic of user side.
In a kind of optional mode, the permission determination unit 302 is also used to: receiving the described of the user side transmission
Order request；The order request is responded, according to the current purchase permission, the order request for identifying that the user side is sent is
It is no that there are risks.
The third aspect is based on inventive concept same as previous embodiment risk recognition methods, and the present invention also provides one
Kind of server, as shown in figure 4, including memory 404, processor 402 and being stored on memory 404 and can be in processor 402
The computer program of upper operation, the processor 402 realize any of Risk Identification Method described previously when executing described program
The step of method.
Wherein, in Fig. 4, bus architecture (is represented) with bus 400, and bus 400 may include any number of interconnection
Bus and bridge, bus 400 will include the one or more processors represented by processor 402 and what memory 404 represented deposits
The various circuits of reservoir link together.Bus 400 can also will peripheral equipment, voltage-stablizer and management circuit etc. it
Various other circuits of class link together, and these are all it is known in the art, therefore, no longer carry out further to it herein
Description.Bus interface 406 provides interface between bus 400 and receiver 401 and transmitter 403.Receiver 401 and transmitter
403 can be the same element, i.e. transceiver, provide the unit for communicating over a transmission medium with various other devices.Place
It manages device 402 and is responsible for management bus 400 and common processing, and memory 404 can be used for storage processor 402 and execute behaviour
Used data when making.
Fourth aspect, based on the inventive concept with previous embodiment risk recognition methods, the present invention also provides a kind of meters
Calculation machine readable storage medium storing program for executing, is stored thereon with computer program, which realizes that risk described previously is known when being executed by processor
The step of either other method method.
This specification is referring to the method, equipment (system) and computer program product according to this specification embodiment
Flowchart and/or the block diagram describes.It should be understood that can be realized by computer program instructions every in flowchart and/or the block diagram
The combination of process and/or box in one process and/or box and flowchart and/or the block diagram.It can provide these computers
Processor of the program instruction to general purpose computer, special purpose computer, Embedded Processor or other programmable data processing devices
To generate a machine, so that generating use by the instruction that computer or the processor of other programmable data processing devices execute
In setting for the function that realization is specified in one or more flows of the flowchart and/or one or more blocks of the block diagram
It is standby.
These computer program instructions, which may also be stored in, is able to guide computer or other programmable data processing devices with spy
Determine in the computer-readable memory that mode works, so that it includes referring to that instruction stored in the computer readable memory, which generates,
Enable the manufacture of equipment, the commander equipment realize in one box of one or more flows of the flowchart and/or block diagram or
The function of being specified in multiple boxes.
These computer program instructions also can be loaded onto a computer or other programmable data processing device, so that counting
Series of operation steps are executed on calculation machine or other programmable devices to generate computer implemented processing, thus in computer or
The instruction executed on other programmable devices is provided for realizing in one or more flows of the flowchart and/or block diagram one
The step of function of being specified in a box or multiple boxes.
Although the preferred embodiment of this specification has been described, once a person skilled in the art knows basic wounds
The property made concept, then additional changes and modifications may be made to these embodiments.So the following claims are intended to be interpreted as includes
Preferred embodiment and all change and modification for falling into this specification range.
Obviously, those skilled in the art can carry out various modification and variations without departing from this specification to this specification
Spirit and scope.In this way, if these modifications and variations of this specification belong to this specification claim and its equivalent skill
Within the scope of art, then this specification is also intended to include these modifications and variations.
Claims (26)
1. a kind of Risk Identification Method, comprising:
The user information of the behavioural characteristic of characterization user side is obtained, and determines the credit of the user side based on the user information
Grade；
According to the corresponding relationship of the credit grade and the credit grade prestored and purchase permission, the current of the user side is determined
Buy permission；
According to the current purchase permission, identify that the order request that the user side is sent whether there is risk.
2. the method as described in claim 1, the user information, comprising: the registration information of the user side, history payment letter
Breath or any one or more of combination of device status information.
3. the method as described in claim 1, the credit grade that the user side is determined based on the user information, packet
It includes:
Using the user information as the input data of preset model, is calculated by the preset model and determine the user side
Credit grade.
4. method as claimed in claim 3, the input data using the user information as preset model, by described
Preset model calculates the credit grade for determining the user side, comprising:
Using the user information as the input data of preset model, is calculated by the preset model and export the user side
Credit score；
According to the corresponding relationship of the credit score and the credit score and credit grade that prestore, the credit of the user side is determined
Grade.
5. the method as described in claim 1, the current purchase permission of the determination user side, comprising:
Determine that the user side allows the product category bought, product quantity or delays any one or more of group of payment amount
It closes.
6. the method as described in claim 1, after the order request that the identification user side is sent whether there is risk,
Further include:
If risk is not present in the order request, provide the order request corresponding service commodity to the user side；
If there are risks for the order request, the order request is intercepted.
7. method as claimed in claim 6, it is described to the user side provide the corresponding service commodity of the order request it
Afterwards, further includes:
The use information that the user side uses the service commodity is obtained by preset second round, and uses letter according to described
Breath generates billing data；
According to the billing data, identify the user side with the presence or absence of risk insufficient in fund.
8. the method for claim 7, the identification user side is also wrapped with the presence or absence of after risk insufficient in fund
It includes:
If there are risks insufficient in fund for the order request, the user side is deducted from the corresponding account of the user side
The expense consumed but not yet withholdd.
It is described to deduct the user side from the corresponding account of the user side and consumed 9. method according to claim 8
But after the expense not yet withholdd, further includes:
If deduction is unsuccessful, the user side is forbidden to use the service commodity.
10. the method as described in claim 1, the opportunity of the user information of the behavioural characteristic for obtaining characterization user side are as follows:
When receiving the order request that the user side is sent, the order request is responded, to obtain characterization user side
Behavioural characteristic user information.
11. the method as described in claim 1, the opportunity of the user information of the behavioural characteristic for obtaining characterization user side are as follows:
By the preset period 1, the user information of the behavioural characteristic of characterization user side is obtained.
12. method as claimed in claim 11, the method also includes: it receives the order that the user side is sent and asks
It asks；
It is described according to the current purchase permission, identify order request that the user side is sent with the presence or absence of risk, comprising:
The order request is responded, according to the current purchase permission, whether the order request for identifying that the user side is sent is deposited
In risk.
13. a kind of risk identification device, comprising:
Level de-termination unit, the user information of the behavioural characteristic for obtaining characterization user side, and it is true based on the user information
The credit grade of the fixed user side；
Permission determination unit, for the corresponding relationship according to the credit grade and the credit grade prestored and purchase permission, really
The current purchase permission of the fixed user side；
Recognition unit, for according to the current purchase permission, identifying that the order request that the user side is sent whether there is wind
Danger.
14. device as claimed in claim 13, the user information, comprising: the registration information of the user side, history payment
Information or any one or more of combination of device status information.
15. device as claimed in claim 13, the level de-termination unit is also used to:
Using the user information as the input data of preset model, is calculated by the preset model and determine the user side
Credit grade.
16. device as claimed in claim 15, the level de-termination unit is also used to:
Using the user information as the input data of preset model, is calculated by the preset model and export the user side
Credit score；
According to the corresponding relationship of the credit score and the credit score and credit grade that prestore, the credit of the user side is determined
Grade.
17. device as claimed in claim 13, the permission determination unit is also used to:
Determine that the user side allows the product category bought, product quantity or delays any one or more of group of payment amount
It closes.
18. device as claimed in claim 13, further includes:
Processing unit provides the order request pair to the user side if risk is not present for the order request
The service commodity answered；If there are risks for the order request, the order request is intercepted.
19. device as claimed in claim 18, the processing unit is also used to:
The use information that the user side uses the service commodity is obtained by preset second round, and uses letter according to described
Breath generates billing data；
According to the billing data, identify the user side with the presence or absence of risk insufficient in fund.
20. device as claimed in claim 19, the processing unit is also used to:
If there are risks insufficient in fund for the order request, the user side is deducted from the corresponding account of the user side
The expense consumed but not yet withholdd.
21. device as claimed in claim 20, the processing unit is also used to:
If deduction is unsuccessful, the user side is forbidden to use the service commodity.
22. device as claimed in claim 13, the level de-termination unit is also used to:
When receiving the order request that the user side is sent, the order request is responded, to obtain characterization user side
Behavioural characteristic user information.
23. device as claimed in claim 13, the level de-termination unit is also used to:
By the preset period 1, the user information of the behavioural characteristic of characterization user side is obtained.
24. device as claimed in claim 23, the permission determination unit is also used to:
Receive the order request that the user side is sent；
The order request is responded, according to the current purchase permission, whether the order request for identifying that the user side is sent is deposited
In risk.
25. a kind of server including memory, processor and stores the computer that can be run on a memory and on a processor
The step of program, the processor realizes any one of claim 1-12 the method when executing described program.
26. a kind of computer readable storage medium, is stored thereon with computer program, power is realized when which is executed by processor
Benefit requires the step of any one of 1-12 the method.
Priority Applications (3)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810790676.3A CN109034823A (en) | 2018-07-18 | 2018-07-18 | risk identification method, device and server |
| TW108115877A TWI759596B (en) | 2018-07-18 | 2019-05-08 | Risk identification method, device and server |
| PCT/CN2019/091033 WO2020015484A1 (en) | 2018-07-18 | 2019-06-13 | Risk identification method and apparatus, and server |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201810790676.3A CN109034823A (en) | 2018-07-18 | 2018-07-18 | risk identification method, device and server |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN109034823A true CN109034823A (en) | 2018-12-18 |
Family
ID=64644009
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201810790676.3A Pending CN109034823A (en) | 2018-07-18 | 2018-07-18 | risk identification method, device and server |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN109034823A (en) |
| TW (1) | TWI759596B (en) |
| WO (1) | WO2020015484A1 (en) |
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| CN110060047A (en) * | 2019-03-28 | 2019-07-26 | 阿里巴巴集团控股有限公司 | Credit risk method of discrimination and its device based on transaction |
| WO2020015484A1 (en) * | 2018-07-18 | 2020-01-23 | 阿里巴巴集团控股有限公司 | Risk identification method and apparatus, and server |
| CN111222889A (en) * | 2020-01-16 | 2020-06-02 | 支付宝(杭州)信息技术有限公司 | Method and device for acquiring transaction no-disturbance service |
| CN111260368A (en) * | 2020-01-08 | 2020-06-09 | 支付宝(杭州)信息技术有限公司 | Account transaction risk judgment method and device and electronic equipment |
| CN111681118A (en) * | 2020-05-29 | 2020-09-18 | 泰康保险集团股份有限公司 | Data processing method and device |
| CN113761908A (en) * | 2020-11-26 | 2021-12-07 | 北京沃东天骏信息技术有限公司 | Method and device for processing stock user information |
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| CN112819476A (en) * | 2021-02-25 | 2021-05-18 | 北京互金新融科技有限公司 | Risk identification method and device, nonvolatile storage medium and processor |
| CN117745066A (en) * | 2023-12-19 | 2024-03-22 | 广州白驹科技有限公司 | Abnormality avoidance method, device and equipment for number card order and storage medium |
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Also Published As
| Publication number | Publication date |
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| WO2020015484A1 (en) | 2020-01-23 |
| TWI759596B (en) | 2022-04-01 |
| TW202006636A (en) | 2020-02-01 |
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