CN109191129A - A kind of air control method, system and computer equipment - Google Patents
A kind of air control method, system and computer equipment Download PDFInfo
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Abstract
This specification embodiment provides a kind of air control method, system and computer equipment, obtains the first risk information of transaction agent；Obtain the second risk information for the user that is benefited in trade company's processing subsystem；Risk identification is carried out to current transaction according to the first risk information and the second risk information, obtains risk identification result.
Description
Technical Field
The invention belongs to the technical field of internet, and particularly relates to a wind control method, a wind control system and computer equipment.
Background
With the rapid development of internet third-party payment, the demand and the scenes of online receipt by using network payment are more and more, and meanwhile, lawless persons also use the network transaction platform of a receipt merchant to carry out fraud reimbursement. For example, a fraudster may register an account on a network transaction platform such as a game, an e-commerce platform, and the like, induce a deception payment user to pay and recharge the account through channels such as social media, and realize a sale and cash change through low-price resale and the like after the fund is paid.
Therefore, there is a need to provide a more reliable solution to prevent fraudsters from using the network transaction platform of the order-receiving merchant to fraud the users, and further avoid the payment users from suffering economic loss.
Disclosure of Invention
Aiming at the problems in the prior art, the embodiment of the invention provides a wind control method, a wind control system and computer equipment.
In a first aspect, an embodiment of the present specification provides a wind control processing method, including:
acquiring first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result;
and judging whether the risk identification result is within a preset risk threshold range, and if so, performing decision processing on the benefited user corresponding to the current transaction.
In a second aspect, an embodiment of the present specification provides a wind-controlled processing system, including: the system comprises a wind control system and a merchant processing subsystem for carrying out wind control processing.
In a third aspect, an embodiment of the present specification provides a wind control method, including:
acquiring first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
and performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result.
In a fourth aspect, embodiments of the present specification provide a wind control system, including: the payment data subsystem and the wind control processing subsystem; wherein,
the payment data subsystem is used for acquiring first risk information of a transaction main body corresponding to the current transaction and sending the second risk information to the wind control processing subsystem;
the wind control processing subsystem is used for communicating with a merchant processing subsystem to obtain second risk information of a benefited user corresponding to the current transaction in the merchant processing subsystem; and performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result.
In a fifth aspect, an embodiment of the present specification provides a method for performing a wind control process, including:
receiving a risk identification result, wherein the risk identification result is identified by the wind control system based on first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
and judging whether the received risk identification result is within a preset risk threshold range, and if so, performing decision processing on the benefited user corresponding to the current transaction.
In a sixth aspect, an embodiment of the present specification provides a merchant processing subsystem for performing a wind control process, where the merchant processing subsystem communicates with a wind control system, and sends second risk information of a benefited user corresponding to a current transaction to the wind control system, and the merchant processing subsystem includes:
the second data receiving unit is used for receiving a risk identification result, wherein the risk identification result is identified by the wind control system based on first risk information of a transaction main body corresponding to the current transaction and second risk information of a beneficiary user corresponding to the current transaction;
the first configuration unit is used for configuring a risk threshold range of the risk identification result in advance;
and the decision unit is used for judging whether the received risk identification result is within the risk threshold range, and if so, performing decision processing on the beneficiary user corresponding to the current transaction.
In a seventh aspect, an embodiment of the present specification provides a computer device, including a memory, a processor, and a computer program stored on the memory and executable on the processor, where the processor implements any one of the above-mentioned wind control method, a method for performing wind control processing, and steps of the wind control processing method when executing the program.
In an eighth aspect, the present specification provides a computer-readable storage medium, on which a computer program is stored, where the computer program, when executed by a processor, implements any one of the above-mentioned wind control method, the method for performing wind control processing, and the steps of the wind control processing method.
The embodiment of the specification has the following beneficial effects:
in the embodiment of the specification, the risk identification is performed on the current transaction by acquiring the first risk data of the transaction main body and the second risk data of the beneficial user and then utilizing the first risk information and the second risk information, and because the risk information of the beneficial user and the transaction main body is considered at the same time, the coverage rate of the risk information is increased, so that the accuracy rate of fraud risk identification can be improved, the risk of the transaction main body in the current transaction can be reminded, and the transaction main body is prevented from being subjected to economic loss.
Drawings
Fig. 1 is a schematic view of a wind control application scenario according to an embodiment of the present disclosure;
FIG. 2 is a schematic flow chart of a wind control processing method according to a first aspect of an embodiment of the present disclosure;
FIG. 3 is a schematic overall structure diagram of a wind-controlled processing system according to a second aspect of the embodiment of the present disclosure;
FIG. 4 is a schematic diagram of an overall structure of a payment data subsystem according to a second aspect of the embodiments of the present disclosure;
fig. 5 is a schematic diagram of an overall structure of a merchant processing subsystem according to the second and sixth aspects of the embodiments of the present specification;
FIG. 6 is a schematic overall structure diagram of a wind control processing subsystem according to a second aspect of the embodiment of the present disclosure;
FIG. 7 is a schematic flow chart of a wind control method according to a third aspect of the embodiments of the present disclosure;
FIG. 8 is a schematic structural diagram of a fourth wind control system according to an embodiment of the present disclosure;
FIG. 9 is a schematic flow chart of a method for performing a pneumatic control process according to a fifth aspect of the embodiments of the present disclosure;
fig. 10 is a schematic structural diagram of a computer device in a seventh aspect of the embodiment of the present specification.
Detailed Description
In order to better understand the technical solutions, the technical solutions of the embodiments of the present specification are described in detail below with reference to the drawings and specific embodiments, and it should be understood that the specific features of the embodiments and embodiments of the present specification are detailed descriptions of the technical solutions of the embodiments of the present specification, and are not limitations of the technical solutions of the present specification, and the technical features of the embodiments and embodiments of the present specification may be combined with each other without conflict.
Please refer to fig. 1, which is a schematic view of a wind control application scenario in the embodiment of the present specification. The first terminal 100 and the second terminal 101 are located at a user side, the first terminal 100 may be a terminal corresponding to a benefit user, and the second terminal 101 may be a terminal corresponding to a transaction subject, and are respectively in communication with the server 200 at the network side. The transaction processing client 102 in the first terminal 100 and the transaction processing client 103 in the second terminal 101 may be an APP or a website for implementing a service based on the internet, provide a transaction interface for a user, and provide risk data to a network side for processing; the wind control system 201 in the server 200 is used to identify risk transactions involved in the transaction processing client 103. In the embodiment of the description, the transaction main body mainly comprises the payment user.
The embodiment of the specification aims at the fraudulent conduct of network transaction platforms such as game platforms, e-commerce platforms and the like. The beneficial users and the payment users carry some risk data, the embodiment of the specification firstly combines the risk data of the beneficial users and the risk information of the transaction main body, and extracts the risk characteristic information; and risk identification is carried out on the current transaction by utilizing the risk characteristics, so that the aim of avoiding telecommunication fraud of the benefited users through a network transaction platform can be fulfilled.
In a first aspect, an embodiment of the present disclosure provides a method for processing wind control, please refer to fig. 2, where the method includes steps S210 to S212.
S210, acquiring first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
in an optional implementation manner, based on an account ID of a transaction subject corresponding to a current transaction, first risk information of the transaction subject is acquired by using a payment data subsystem, where the first risk information includes: one or more of the payment amount, the payment time, the merchant name and the account maturity of the payment user, but other information may also be included, which is not illustrated here. The account maturity of the payment user can be determined according to the account registration time of the payment user, the activity degree of the payment user and the like; the longer the registration time is, the higher the activity degree is, the higher the account maturity of the payment user is; the account maturity of the payment user in the embodiment of the specification comprises 1-10 levels.
After the first risk information is acquired, because the data format of the first risk information may not meet the data format requirement of the wind control processing subsystem, the data format of the first risk information needs to be converted into the data format supported by the wind control processing subsystem according to the data format provided by the wind control processing subsystem. In practical applications, the payment data subsystem may include a third party payment mechanism, such as a payment instrument.
In an optional implementation manner, second risk information of the beneficial user is acquired by using the merchant processing subsystem; receiving second risk information of the beneficial users sent by the order receiving merchant through a message transfer function API; the acquiring merchants generally include merchants that utilize third party payment mechanisms for transaction funds acquisition, such as the acquiring merchants may include, but are not limited to: e-commerce platform, game platform, take-away platform or taxi taking platform, etc.
The second risk information includes: one or more of account identification ID, account grade, account registration time, internet protocol IP address of account registration, order generation time, IP address of order generation and biological information identification of the beneficial user, and certainly can also comprise other information; the biometric information identification may include: benefit the user's fingerprint, iris, sclera, and/or voice print, etc. The account number grade of the beneficial user is generally determined according to the payment times, the payment amount and the like of the beneficial user, and the account number grade of the beneficial user is higher when the payment times of the beneficial user is more and the payment amount is larger; the account number grades of the beneficial users in the embodiment of the specification comprise 1-10 grades.
For the same reason, since the data format of the acquired second risk information may not meet the data format requirement of the wind control processing subsystem, the data format of the second risk information needs to be converted into the data format supported by the wind control processing subsystem according to the data format provided by the wind control processing subsystem.
S211, performing risk identification on the current transaction according to the first risk information and the second risk information, and obtaining a risk identification result.
In an optional implementation manner, the "performing risk identification on the current transaction according to the first risk information and the second risk information, and obtaining a risk identification result" includes: merging the first risk information and the second risk information according to a preset risk characteristic standard, and extracting risk characteristic information;
and identifying the current transaction according to a pre-configured anti-fraud model based on the risk characteristic information to obtain a risk identification result.
Here, since the first risk information and the second risk information include a plurality of types and not all risk information have risk characteristics, it is necessary to extract risk characteristic information by merging the first risk information and the second risk information according to a preset risk characteristic standard. The merging process may include screening or filtering.
The risk characteristic information includes: direct risk characteristic information and risk accumulation variables; the direct risk characteristic information represents risk characteristic information that can be directly determined according to a risk characteristic standard. The risk characteristic standard comprises an identifier for describing the transaction risk degree, for example, if an IP address registered by an account number of a beneficial user is registered in overseas high-risk areas, the registered IP address can be considered as risk characteristic information; when the account number grade of the beneficial user and the account number maturity level of the payment user are both low, the account number grade of the beneficial user and the account number maturity of the payment user can be determined to be risk characteristic information and the like. For the same reason, if the account registration IP of the beneficial user is not registered in the overseas high-risk area, the registered IP address is not considered to be the risk characteristic information, and the registered IP address is filtered when the risk characteristic information is determined.
The risk accumulation variable may include a variable having a certain regularity in a certain period of time, for example, if a network trading platform is a gambling platform, due to a strict time law of the platform, when buying and buying are generally traded at a certain point of time or within a certain period of time, the order generation time and the payment time have a certain regularity, so that the order generation time and the payment time can be regarded as the risk accumulation variable.
After extracting the risk characteristic information, configuring an anti-fraud model, wherein the anti-fraud model comprises the following steps: the anti-fraud policy and anti-fraud model algorithm, the anti-fraud model algorithm of the embodiments of the present specification may include, but is not limited to, the following: anti-fraud based recognition trees, convolutional neural networks, BP neural networks, deep neural networks, or the like; the anti-fraud strategy is mainly used for judging whether the registered IP address of the beneficial user account is the IP of the high-risk area and the account grade of the beneficial user; determining a relationship network of the payment user and the benefit user, such as whether the payment user and the benefit user are direct friends or indirect friends (whether a friend node exists between a relationship chain of the payment user and the benefit user); or determining the account grade maturity of the payment user and the risk grade of the beneficiary user.
After the anti-fraud model is configured, based on an anti-fraud strategy, risk identification is carried out on the current transaction by using an anti-fraud model algorithm and risk characteristic information, finally, a risk identification result and relevant case information are predicted and output, and the risk identification result and the case information are sent to the merchant processing subsystem. The risk identification result may include a risk score for the transaction, and generally speaking, the higher the risk score, the higher the risk for the transaction; the case information includes the reason for scoring the risk, so that the merchant processing subsystem can analyze the transaction again according to the risk identification result and the case information. For example, the risk characteristic information of the beneficial user can be utilized to depict the characteristics of a cheater, and when the registration area of the account number registration IP of the beneficial user is determined to be located in an overseas high-risk area, the transaction risk is determined to be higher; or, the account number level of the beneficial user and the account number maturity of the payment user are analyzed at the same time, and if the account number level of the beneficial user and the account number maturity of the payment user are both low, it is determined that the risk of the transaction is very high, and basically, the transaction can be defined as a fraud transaction, so that the corresponding risk score is high.
And S212, judging whether the risk identification result is in a preset risk threshold range, and if so, performing decision processing on the beneficiary user corresponding to the current transaction.
After the risk identification result is obtained, as the merchant processing subsystem may collect more information of the beneficial user, the information is not necessarily all sent to the wind control processing subsystem, before judging whether the risk identification result is within the pre-configured risk threshold range, the risk threshold range of the risk identification result is configured according to the information, the risk threshold range can also be understood as a risk scoring range of the transaction, and the pushing range of the case information can be understood as a screening range of scoring reasons.
For example, the case information sent by the wind control processing subsystem includes analysis of information such as a registration IP address, registration time, and an account level of the beneficial user account, but the merchant processing subsystem considers that there is no reference value in the analysis of the registration time, so that when a push range of the case information is configured, the analysis information of the registration time is filtered, and only analysis of the account registration IP and the account level of the beneficial user is received.
After the risk threshold range is configured, whether the received risk identification result is in the risk threshold range or not is judged, if yes, the current transaction is determined to be a risk transaction, the benefited user is determined to be a risk user, and the account of the benefited user is controlled.
For example, the risk identification result is 20, which represents that the risk score of the transaction is 20, and if the risk threshold range is not less than 15, it is determined that the transaction is a high risk transaction, then decision processing is performed on the benefit user, such as management and control on an account of the benefit user. Here, there is often a certain time for the benefit user to receive the message of successful payment and then remove the account, for example, the account can be removed in 10 to 20 minutes after the fraud is successful, and then in this time, the account of the benefit user can be managed and controlled, for example, frozen, closed or cancelled, so that the loss of the payment user is avoided.
In the embodiment of the specification, risk data of a benefited user and risk data of a transaction main body are combined, risk characteristic information is extracted, and risk identification is performed on the current transaction by using risk characteristics, so that the risk characteristics of the benefited user and the transaction main body are considered at the same time, the coverage rate of the risk characteristics is increased, whether the transaction is a fraudulent transaction can be accurately identified, and the identification accuracy can be improved by at least 20%; and the risk identification result is sent to the merchant processing subsystem, and the merchant processing subsystem can timely and effectively control the account of the fraudster, so that the fraudster behavior of the beneficiary user is controlled from the source, the overall effect of fraud prevention and control is improved, the telecom fraud of the beneficiary user through the network transaction platform is avoided, the payment user is prevented from being subjected to economic loss, and the reliability of the network transaction platform is also improved.
In a second aspect, based on the same inventive concept, an embodiment of the present specification provides a wind control processing system, please refer to fig. 3, where the wind control system includes: a payment data subsystem 31, a wind control processing subsystem 32 and a merchant processing subsystem 33; wherein,
the payment data subsystem 31 is used for acquiring first risk information of a current transaction main body and sending the first risk information to the wind control processing subsystem 32; the first risk information includes: one or more of the payment amount, the payment time, the merchant name and the account maturity of the payment user, but other information may also be included, which is not illustrated here. The account maturity of the payment user can be determined according to the account registration time of the payment user, the activity degree of the payment user and the like; the longer the registration time is, the higher the activity degree is, the higher the account maturity of the payment user is; the account maturity of the payment user in the embodiment of the specification comprises 1-10 levels.
The merchant processing subsystem 33 is configured to obtain second risk information of the benefited user, and the wind control processing subsystem 32 is configured to communicate with the merchant processing subsystem 33 to obtain second risk information of the benefited user corresponding to the current transaction in the merchant processing subsystem 33; identifying the current transaction according to the first risk information and the second risk information to obtain a risk identification result, and sending the risk identification result to a merchant processing subsystem 33, wherein the merchant processing subsystem 33 performs decision processing on the benefited user according to the risk identification result; wherein the current transaction is a transaction between the beneficiary user and the transaction subject.
The second risk information includes: one or more of account identification ID, account grade, account registration time, internet protocol IP address of account registration, order generation time, IP address of order generation and biological information identification of the beneficial user, and certainly can also comprise other information; the biometric information identification may include: benefit the user's fingerprint, iris, sclera, and/or voice print, etc. The account number grade of the beneficial user is generally determined according to the payment times, the payment amount and the like of the beneficial user, and the account number grade of the beneficial user is higher when the payment times of the beneficial user is more and the payment amount is larger; the account number grades of the beneficial users in the embodiment of the specification comprise 1-10 grades.
In an alternative implementation, referring to fig. 4, the payment data subsystem 31 includes: a first data acquisition unit 41, a first data processing unit 42, and a first data transmission unit 43;
the first data acquisition unit 41 is configured to acquire first risk information of the transaction subject according to the account ID of the transaction subject.
Here, the payment data subsystem 31 includes a large amount of transaction data, and therefore first risk information of the transaction subject needs to be acquired according to the account ID of the transaction subject; in practice, the payment data subsystem 31 may include a third party payment mechanism, such as a payment instrument.
Since the data format of the first risk information may not meet the data format requirement of the wind control processing subsystem 32, the first data processing unit 42 is configured to convert the data format of the first risk information into the data format supported by the wind control processing subsystem 32 according to the data format provided by the wind control processing subsystem 32.
The first data sending unit 43 is configured to send the first risk information after data format conversion to the wind control processing subsystem 32.
In an alternative implementation, referring to fig. 5, merchant processing subsystem 33 includes: a second data acquisition unit 51, a second data processing unit 52, a second data transmission unit 53;
the second data obtaining unit 51 is configured to receive second risk information of the beneficiary user sent by the order receiving merchant through the messaging function API; the acquiring merchants generally include merchants that utilize third party payment mechanisms for transaction funds acquisition, such as the acquiring merchants may include, but are not limited to: e-commerce platform, game platform, take-away platform or taxi taking platform, etc.
For the same reason, since the data format of the second risk information acquired by the second data acquiring unit 51 may not meet the data format requirement of the wind control processing subsystem 32, the second data processing unit 52 is configured to convert the data format of the second risk information into the data format supported by the wind control processing subsystem 32 according to the data format provided by the wind control processing subsystem 32.
The second data sending unit 53 is configured to send the second risk information after data format conversion to the wind control processing subsystem 32.
In an alternative implementation, referring to fig. 6, the wind control processing subsystem 32 includes:
a first data receiving unit 61, configured to receive the first risk information and the second risk information. In practical applications, the first data unit 61 may be implemented by a gateway unit for an external interface, and in order to reduce the processing load of the wind control processing subsystem 32, the gateway unit is configured to perform authentication management on the external interface, and issue a communication right for a user meeting a requirement, so that the user meeting the requirement can communicate with the wind control processing subsystem 32 through the gateway unit. The external interface may include an interface corresponding to the merchant processing subsystem 33 and an interface corresponding to the payment data subsystem 31; taking the merchant processing subsystem as an example for explanation, generally, since the acquiring merchant includes many merchants and the corresponding merchant processing subsystems also include many merchants, if the external interface is not authenticated, all merchant processing subsystems can communicate with the wind control processing subsystem 32 through the corresponding interfaces, so that the processing burden of the wind control processing subsystem 32 is increased. Therefore, in order to reduce the processing load of the wind control processing subsystem 32 and improve the processing efficiency, the gateway unit only issues the communication right for the merchant processing subsystem which has been agreed in advance. The pre-existing agreed merchant processing subsystem may include: the merchant processing subsystem of the offline signing agreement or both the default merchant processing subsystem and the wind control processing subsystem 32 belong to the same company; then the user meeting the requirements may also be considered a pre-agreed merchant processing subsystem.
A feature merging unit 62, configured to merge the first risk information and the second risk information according to a preset risk feature standard, and extract risk feature information; the combining treatment mode can comprise screening or filtering and the like.
Because first risk information and second risk information include the multiple, not all risk information all have the risk characteristic, consequently need to carry out the amalgamation processing according to the risk characteristic standard of presetting first risk information and second risk information, extract risk characteristic information, risk characteristic information includes: direct risk characteristic information and risk accumulation variables; the direct risk characteristic information represents risk characteristic information that can be directly determined according to a risk characteristic standard. The risk characteristic standard comprises an identifier for describing the transaction risk degree, for example, if an IP address registered by an account number of a beneficial user is registered in overseas high-risk areas, the registered IP address can be considered as risk characteristic information; when the account number grade of the beneficial user and the account number maturity level of the payment user are both low, the account number grade of the beneficial user and the account number maturity of the payment user can be determined to be risk characteristic information and the like. For the same reason, if the account registration IP of the beneficial user is not registered in the overseas high-risk area, the registered IP address is not considered to be the risk characteristic information, and the registered IP address is filtered when the risk characteristic information is determined.
The risk accumulation variable may include a variable having a certain regularity in a certain period of time, for example, if a network trading platform is a gambling platform, due to a strict time law of the platform, when buying and buying are generally traded at a certain point of time or within a certain period of time, the order generation time and the payment time have a certain regularity, so that the order generation time and the payment time can be regarded as the risk accumulation variable.
A second configuration unit 63, configured to configure an anti-fraud model, where the anti-fraud model includes: the anti-fraud policy and anti-fraud model algorithm, the anti-fraud model algorithm of the embodiments of the present specification may include, but is not limited to, the following: anti-fraud based recognition trees, convolutional neural networks, BP neural networks, deep neural networks, or the like; the anti-fraud strategy is mainly used for judging whether the registered IP address of the beneficial user account is the IP of the high-risk area and the account grade of the beneficial user; determining a relationship network of the payment user and the benefit user, such as whether the payment user and the benefit user are direct friends or indirect friends (whether a friend node exists between a relationship chain of the payment user and the benefit user); or determining the account grade maturity of the payment user and the risk grade of the beneficiary user.
The wind control engine unit 64 may perform risk identification on the current transaction by using an anti-fraud model algorithm and risk characteristic information based on an anti-fraud policy, and finally predict and output a risk identification result and related case information. The risk identification result may include a risk score for the transaction, and generally speaking, the higher the risk score, the higher the risk for the transaction; the case information includes the reason for scoring the risk, so that the merchant processing subsystem 33 can analyze the transaction again according to the risk identification result and the case information. For example, the risk characteristic information of the beneficial user can be utilized to depict the characteristics of a cheater, and when the registration area of the account number registration IP of the beneficial user is determined to be located in an overseas high-risk area, the transaction risk is determined to be higher; or, the account number level of the beneficial user and the account number maturity of the payment user are analyzed at the same time, and if the account number level of the beneficial user and the account number maturity of the payment user are both low, it is determined that the risk of the transaction is very high, and basically, the transaction can be defined as a fraud transaction, so that the corresponding risk score is high.
After the wind control engine unit 64 obtains the risk identification result and the case information, the risk identification result and the case information are sent to the merchant processing subsystem 33. Here, with continued reference to fig. 5, the merchant processing subsystem 33 further includes:
a second data receiving unit 54 for receiving the risk identification result;
the first configuration unit 55 is configured to pre-configure a risk threshold range of the risk identification result and a pushing range of the case information;
since the merchant processing subsystem 33 may collect more information of the benefited user, and the information is not necessarily all sent to the wind control processing subsystem 32, the first configuration unit 55 may also configure a risk threshold range of the risk identification result according to the information, where the risk threshold range may also be understood as a risk scoring range of the transaction, and a pushing range of the case information may be understood as a screening range of the scoring reason.
For example, the case information sent by the wind control processing subsystem 32 includes analysis of information such as a registration IP address, registration time, and an account level of the beneficial user account, but the merchant processing subsystem 33 considers that there is no reference value in the analysis of the registration time, so that when the push range of the case information is configured, the analysis information of the registration time is filtered, and only analysis of the account registration IP and the account level of the beneficial user is received.
The decision unit 56 is configured to determine whether the received risk identification result is within the risk threshold range, and if so, determine that the current transaction is a risk transaction and the beneficial user is a risk user, and manage and control an account of the beneficial user.
For example, the risk identification result is 20, which represents that the risk score of the transaction is 20, and if the risk threshold range is not less than 15, the decision unit 46 determines that the transaction is a high risk transaction, and performs decision processing on the benefit user, such as managing and controlling an account of the benefit user. Here, there is often a certain time for the benefit user to receive the message of successful payment and then remove the account, for example, the account can be removed in 10 to 20 minutes after the fraud is successful, then in this time, the decision unit 56 may manage and control the account of the benefit user, for example, perform freezing, closing or logout, so as to avoid the loss of the payment user.
In the embodiment of the specification, risk data of a benefited user and risk data of a transaction main body are combined, risk characteristic information is extracted, and risk identification is performed on the current transaction by using risk characteristics, so that the risk characteristics of the benefited user and the transaction main body are considered at the same time, the coverage rate of the risk characteristics is increased, whether the transaction is a fraudulent transaction can be accurately identified, and the identification accuracy can be improved by at least 20%; and the risk identification result is sent to the merchant processing subsystem, and the merchant processing subsystem can timely and effectively control the account of the fraudster, so that the fraudster behavior of the beneficiary user is controlled from the source, the overall effect of fraud prevention and control is improved, the telecom fraud of the beneficiary user through the network transaction platform is avoided, the payment user is prevented from being subjected to economic loss, and the reliability of the network transaction platform is also improved.
In a third aspect, based on the same inventive concept, an embodiment of this specification provides a wind control method, please refer to fig. 7, where the method includes: includes steps S710 to S711.
S710, acquiring first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
and S711, performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result.
And after the risk identification is obtained, sending a risk identification result to a merchant processing subsystem corresponding to the current transaction, wherein the risk identification result is used for the merchant processing subsystem to carry out decision processing on the beneficial users corresponding to the current transaction.
In a fourth aspect, based on the same inventive concept, an embodiment of the present specification provides a wind control system, please refer to fig. 8, where the wind control system includes: a payment data subsystem 31 and a wind control processing subsystem 32; wherein,
the payment data subsystem 31 is configured to acquire first risk information of a transaction main body corresponding to a current transaction, and send the first risk information to the wind control processing subsystem 32;
the wind control processing subsystem 32 is configured to communicate with the merchant processing subsystem 33 provided in the first aspect, and obtain second risk information of a benefited user corresponding to the current transaction in the merchant processing subsystem 33; and performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result.
And sending the risk identification result to the merchant processing subsystem 33, wherein the risk identification result is used for the merchant processing subsystem 33 to perform decision processing on the beneficial users according to the risk identification result.
In a fifth aspect, based on the same inventive concept, an embodiment of the present specification further provides a method for performing a wind control process, which is applied to the merchant processing subsystem of the fifth aspect, and with reference to fig. 9, includes: steps S910 to S911;
s910, receiving a risk identification result, wherein the risk identification result is identified by the wind control system based on first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
before the wind control system identifies a risk identification result based on first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction, the method further comprises the following steps: and sending second risk information of the beneficial users to the wind control system.
In an alternative implementation, before receiving the risk identification result, the method includes:
receiving second risk information of the beneficiary user sent by the order receiving merchant;
converting the data format of the second risk information into a data format supported by a wind control system;
and sending the second risk information after the data format conversion to a wind control system.
And S911, judging whether the risk identification result is within a preset risk threshold range, and if so, performing decision processing on a benefited user corresponding to the current transaction.
In a sixth aspect, based on the same inventive concept, an embodiment of the present specification further provides a merchant processing subsystem 33 for performing a wind-controlled processing, where the merchant processing subsystem 33 communicates with the wind-controlled system provided in the third aspect, and sends second risk information of a benefited user corresponding to a current transaction to the wind-controlled system, and with continuing reference to fig. 5, the merchant processing subsystem 33 includes:
a second data receiving unit 54, configured to receive a risk identification result, where the risk identification result is identified by the wind control system based on first risk information of a transaction subject corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
a first configuration unit 55, configured to configure a risk threshold range of the risk identification result in advance;
and the decision unit 56 is configured to determine whether the received risk identification result is within the risk threshold range, determine that the current transaction is a risk transaction, determine that a benefited user is a risk user, and perform decision processing on the benefited user if the received risk identification result is within the risk threshold range.
In an optional implementation, the merchant processing subsystem 33 further includes:
a second data obtaining unit 51, configured to receive second risk information of the beneficial user sent by the order receiving merchant;
a second data processing unit 52, configured to convert the data format of the second risk information into a data format supported by the wind control system;
and the second data sending unit 53 is configured to send the second risk information after data format conversion to the wind control system.
In a seventh aspect, based on the same inventive concept as the wind control method in the foregoing embodiments, the present invention further provides a computer device, as shown in fig. 10, including a memory 1004, a processor 1002, and a computer program stored in the memory 1004 and executable on the processor 1002, where the processor 1002 executes the computer program to implement the steps of any one of the wind control methods in the foregoing.
Where in fig. 10 a bus architecture (represented by bus 1000) is shown, bus 1000 may include any number of interconnected buses and bridges, and bus 1000 links together various circuits including one or more processors, represented by processor 1002, and memory, represented by memory 1004. The bus 1000 may also link together various other circuits such as peripherals, voltage regulators, power management circuits, and the like, which are well known in the art, and therefore, will not be described any further herein. Bus interface 1006 provides an interface between bus 1000 and receiver 1001 and transmitter 1003. The receiver 1001 and the transmitter 1003 may be the same element, i.e., a transceiver, providing a means for communicating with various other apparatus over a transmission medium. The processor 1002 is responsible for managing the bus 1000 and general processing, and the memory 1004 may be used for storing data used by the processor 1002 in performing operations.
In an eighth aspect, based on the inventive concept of the wind control method in the foregoing embodiments, the present invention further provides a computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, realizes the steps of any one of the foregoing wind control method, a method for performing wind control processing, and a wind control processing method.
It should be noted that, in the present specification, all the embodiments are described in a progressive manner, and the same and similar parts among the embodiments may be referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, as for other embodiments such as the method, since they are substantially similar to the embodiment of the wind control system of the first aspect, the description is relatively simple, and the relevant points can be referred to the partial description of the embodiment of the wind control processing system of the first aspect.
The description has been presented with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the description. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present specification have been described, additional variations and modifications in those embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all changes and modifications that fall within the scope of the specification.
It will be apparent to those skilled in the art that various changes and modifications may be made in the present specification without departing from the spirit and scope of the specification. Thus, if such modifications and variations of the present specification fall within the scope of the claims of the present specification and their equivalents, the specification is intended to include such modifications and variations.
Claims (20)
1. A method of wind control, the method comprising:
acquiring first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
and performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result.
2. The method of claim 1, wherein obtaining the risk identification further comprises:
and sending the risk identification result to a merchant processing subsystem corresponding to the current transaction, wherein the risk identification result is used for the merchant processing subsystem to carry out decision processing on the benefited user corresponding to the current transaction according to the risk identification result.
3. The method of claim 1, wherein the obtaining the first risk information of the transaction subject corresponding to the current transaction comprises:
acquiring first risk information of the transaction main body according to the account identification ID of the transaction main body;
and converting the data format of the first risk information into a data format supported by a wind control processing subsystem.
4. The method of claim 1 or 3, wherein the first risk information comprises: one or more of a payment amount of the payment user, an account level of the payment user, a payment time, and a merchant name.
5. The method of claim 1, wherein the second risk information comprises: the method comprises the following steps that one or more of account ID, account grade, account registration time, registration Internet Protocol (IP) address of an account, order generation time, IP address of order generation and biological information identification of a beneficial user are selected.
6. The method of claim 1, wherein the performing risk identification on the current transaction according to the received first risk information and the second risk information to obtain a risk identification result comprises:
merging the first risk information and the second risk information according to a preset risk characteristic standard, and extracting risk characteristic information;
and performing risk identification on the current transaction according to a pre-configured anti-fraud model based on the risk characteristic information to obtain a risk identification result.
7. A wind control system, comprising: the payment data subsystem and the wind control processing subsystem; wherein,
the payment data subsystem is used for acquiring first risk information of a transaction main body corresponding to the current transaction and sending the first risk information to the wind control processing subsystem;
the wind control processing subsystem is used for communicating with a merchant processing subsystem to obtain second risk information of a benefited user corresponding to the current transaction in the merchant processing subsystem; and performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result.
8. The system of claim 7, wherein the wind control processing subsystem is further to:
and sending the risk identification result to the merchant processing subsystem, wherein the risk identification result is used for the merchant processing subsystem to carry out decision processing on the beneficial user.
9. The system of claim 7, wherein the payment data subsystem comprises:
the first data acquisition unit is used for acquiring first risk information of the transaction main body according to the account identification ID of the transaction main body;
the first data processing unit is used for converting the data format of the first risk information into the data format supported by the wind control processing subsystem;
and the first data sending unit is used for sending the first risk information after the data format conversion to the wind control processing subsystem.
10. The system of claim 7 or 9, wherein the first risk information comprises: one or more of a payment amount of a payment user, an account maturity of the payment user, a payment time, and a merchant name.
11. The system of claim 7, wherein the second risk information comprises: the method comprises the following steps that one or more of account ID, account grade, account registration time, registration Internet Protocol (IP) address of an account, order generation time, IP address of order generation and biological information identification of a beneficial user are selected.
12. The system of claim 7, wherein the wind-controlled processing subsystem comprises:
a first data receiving unit, configured to receive the first risk information and the second risk information;
the characteristic merging unit is used for merging the first risk information and the second risk information according to a preset risk characteristic standard and extracting risk characteristic information;
and the wind control engine unit is used for identifying the current transaction according to a pre-configured anti-fraud model based on the risk characteristic information to obtain the risk identification result.
13. A method for performing a wind-controlled process, the method comprising:
receiving a risk identification result, wherein the risk identification result is identified by a wind control system based on first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
and judging whether the risk identification result is within a preset risk threshold range, and if so, performing decision processing on the benefited user corresponding to the current transaction.
14. The method of claim 13, wherein prior to receiving the risk identification result, comprising:
receiving second risk information of the beneficiary user sent by the order receiving merchant;
converting the data format of the second risk information into a data format supported by the wind control system;
and sending the second risk information after the data format conversion to the wind control system.
15. A merchant processing subsystem for performing a wind-controlled process, the merchant processing subsystem communicating with a wind-controlled system and sending second risk information of a benefited user corresponding to a current transaction to the wind-controlled system, the merchant processing subsystem comprising:
a second data receiving unit, configured to receive a risk identification result from the wind control system, where the risk identification result is identified by the wind control system based on first risk information of a transaction subject corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
the first configuration unit is used for configuring a risk threshold range of the risk identification result in advance;
and the decision unit is used for judging whether the risk identification result is within the risk threshold range, and if so, performing decision processing on the beneficiary user corresponding to the current transaction.
16. The system of claim 15, wherein the merchant processing subsystem further comprises:
the second data acquisition unit is used for receiving second risk information of the beneficial users sent by the order receiving merchant;
the second data processing unit is used for converting the data format of the second risk information into a data format supported by the wind control system;
and the second data sending unit is used for sending the second risk information after the data format conversion to the wind control system.
17. A method of wind-controlled processing, the method comprising:
acquiring first risk information of a transaction main body corresponding to the current transaction and second risk information of a benefit user corresponding to the current transaction;
performing risk identification on the current transaction according to the first risk information and the second risk information to obtain a risk identification result;
and judging whether the risk identification result is within a preset risk threshold range, and if so, performing decision processing on the benefited user corresponding to the current transaction.
18. A wind-controlled treatment system, the system comprising: the wind-controlled system of any one of claims 7 to 12, and the merchant processing subsystem of claim 15 for conducting wind-controlled processing.
19. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, the processor implementing the steps of the method of any one of claims 1 to 6, 13 and 17 when executing the program.
20. 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 of any one of claims 1 to 6, 13 and 17.
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