CN109784934A - A kind of transaction risk control method, apparatus and relevant device and medium - Google Patents
A kind of transaction risk control method, apparatus and relevant device and medium Download PDFInfo
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Abstract
This application discloses a kind of transaction risk control methods, it include: to receive air control request, it is closed from index storehouse acquisition and advises risk parameter, the first black and white lists and scene risk parameter, closing rule risk parameter includes for determining whether trading channel meets the channel conjunction rule parameter of operation regulation and for determining whether trade company meets the channel conjunction rule parameter of operation regulation；Record has the user's merchant information for closing the user's merchant information and violation advised in first black and white lists；Scene risk parameter includes for determining whether channel quality meets the channel quality parameter of operation regulation and for determining whether transaction meets the transaction flow parameter of transaction scene operation regulation；Risk control is carried out to given transaction according to above-mentioned parameter and obtains the air control result of given transaction.It, being capable of effective helpdesk, businessman and user's reasonably avoiding payment risk by the way that from the carrying out fine granularity risk control of multiple dimensions, air control result reliability is higher.Disclosed herein as well is corresponding device, server and media.
Description
This application claims on 03 14th, 2019 submission Patent Office of the People's Republic of China, application No. is 201910210899.2, application
A kind of priority of the Chinese patent application of entitled " transaction risk control method, apparatus and relevant device and medium ",
Full content is hereby incorporated by reference in the application.
Technical field
This application involves field of computer technology more particularly to a kind of transaction risk control method, relevant apparatus, equipment and
Computer storage medium.
Background technique
Universal with network trading and network payment, transaction risk is also more next more in network trading, for example, into
Take place frequently various security breaches when row network payment, for example, there are illegal payment behaviors such as money laundering, arbitrage, steal-number, brush lists, in order to
The security breaches for reducing network payment, improve the safety of network trading, transaction risk control is just particularly important.
Most of payment platforms currently on the market judge during operation only with single factor test, such as relatively common
Dependence client black and white lists carry out risk control, it assesses that dimension is more single to this air control method, air control result can
It is not high by property, it can not effective helpdesk, businessman and user's reasonably avoiding transaction risk.
Based on this, needs to develop a kind of transaction risk appraisal procedure in the industry, can be improved the reliability of risk assessment.
Summary of the invention
The embodiment of the present application provides a kind of transaction risk control method, by close rule risk parameter, black and white lists with
And with the realizing fine granularity risk control of multiple dimensions such as scene risk parameter, air control result reliability is higher, can effectively help
Platform, businessman and user's reasonably avoiding payment risk.Accordingly, present invention also provides a kind of transaction risk control devices, clothes
Business device and storage medium.
In view of this, the application first aspect provides a kind of transaction risk control method, which comprises
Air control request is received, the air control request carries out risk control to given transaction for requesting；
It is obtained from index storehouse and closes rule risk parameter, the first black and white lists and scene risk parameter；Wherein, wind is advised in the conjunction
Dangerous parameter includes for determining whether trading channel meets the channel conjunction rule parameter of operation regulation and for determining whether trade company accords with
The channel for closing operation regulation closes rule parameter；Record has the use for closing the user's merchant information and violation advised in first black and white lists
Family merchant information；The scene risk parameter includes for determining whether channel quality meets the channel quality parameter of operation regulation
With the transaction flow parameter for whether meeting transaction scene operation regulation for determining transaction；
Risk parameter, first black and white lists and the scene risk parameter are advised according to the conjunction, to described specified
Transaction carries out risk control and obtains the air control result of the given transaction.
The application second aspect provides a kind of transaction risk control device, and described device includes:
Receiving module, for receiving air control request, the air control request carries out risk control to given transaction for requesting；
Module is obtained, closes rule risk parameter, the first black and white lists and scene risk parameter for obtaining from index storehouse；Its
In, the rule risk parameter of closing includes for determining whether trading channel meets the channel conjunction rule parameter of operation regulation and for true
Determine the channel conjunction rule parameter whether trade company meets operation regulation；Record has the user trade company letter for closing and advising in first black and white lists
User's merchant information of breath and violation；The scene risk parameter includes for determining whether channel quality meets operation regulation
Channel quality parameter and the transaction flow parameter for whether meeting transaction scene operation regulation for determining transaction；
Air control module is joined for advising risk parameter, first black and white lists and the scene risk according to the conjunction
Number carries out risk control to the given transaction and obtains the air control result of the given transaction.
The application third aspect provides a kind of server, and the server includes processor and memory:
Said program code is transferred to the processor for storing program code by the memory；
The processor is used to execute the transaction wind as described in above-mentioned first aspect according to the instruction in said program code
The step of dangerous control method.
The application fourth aspect provides a kind of computer readable storage medium, and the computer readable storage medium is for depositing
Program code is stored up, said program code is for executing transaction risk control method described in above-mentioned first aspect.
The 5th aspect of the application provides a kind of computer program product including instruction, when run on a computer,
So that the computer executes transaction risk control method described in above-mentioned first aspect.
As can be seen from the above technical solutions, the embodiment of the present application has the advantage that
A kind of transaction risk control method is provided in the embodiment of the present application, this method carries out systematically from multiple dimensions
Risk control specifically after receiving the air control request for carrying out risk control to given transaction, obtains from index storehouse and closes rule wind
Dangerous parameter, the first black and white lists and scene risk parameter, wherein closing rule risk parameter includes that rule parameter and channel conjunction are closed in channel
Parameter is advised, closing rule parameter based on channel can determine whether trading channel meets operation regulation, and closing rule parameter based on channel can be with
Determine whether trade company meets operation regulation, scene risk parameter includes channel quality parameter and transaction flow parameter, is led to based on this
Road mass parameter can determine whether channel quality meets operation regulation, whether can determine transaction based on the transaction flow parameter
Meet transaction scene operation regulation, namely in addition to black and white lists carry out risk control other than, this method also pass through conjunction rule risk parameter,
For scene risk parameter etc. from multiple dimensions to given transaction with carrying out fine granularity risk control, air control result reliability is higher,
It being capable of effective helpdesk, businessman and user's reasonably avoiding payment risk.
Detailed description of the invention
Fig. 1 is the scene framework figure of transaction risk control method in the embodiment of the present application；
Fig. 2 is the flow chart of transaction risk control method in the embodiment of the present application；
Fig. 3 is the flow chart of transaction risk control method in the embodiment of the present application；
Fig. 4 is the application scenarios schematic diagram of transaction risk control method in the embodiment of the present application；
Fig. 5 is the schematic diagram of Analysis model of network behaviors in the embodiment of the present application；
Fig. 6 is a structural schematic diagram of transaction risk control device in the embodiment of the present application；
Fig. 7 is a structural schematic diagram of server in the embodiment of the present application.
Specific embodiment
In order to make those skilled in the art more fully understand application scheme, below in conjunction in the embodiment of the present application
Attached drawing, the technical scheme in the embodiment of the application is clearly and completely described, it is clear that described embodiment is only this
Apply for a part of the embodiment, instead of all the embodiments.Based on the embodiment in the application, those of ordinary skill in the art exist
Every other embodiment obtained under the premise of creative work is not made, shall fall in the protection scope of this application.
The description and claims of this application and term " first ", " second ", " third ", " in above-mentioned attached drawing
The (if present)s such as four " are to be used to distinguish similar objects, without being used to describe a particular order or precedence order.It should manage
The data that solution uses in this way are interchangeable under appropriate circumstances, so that embodiments herein described herein for example can be to remove
Sequence other than those of illustrating or describe herein is implemented.In addition, term " includes " and " having " and theirs is any
Deformation, it is intended that cover it is non-exclusive include, for example, containing the process, method of a series of steps or units, system, production
Product or equipment those of are not necessarily limited to be clearly listed step or unit, but may include be not clearly listed or for this
A little process, methods, the other step or units of product or equipment inherently.
Judge that assessment dimension is single existing for progress risk control, air control result is reliable by single factor test for the prior art
Property is not high, and then the problem of lead to not effective helpdesk, businessman and user's reasonably avoiding transaction risk, this application provides
A kind of transaction risk control method, specifically, after receiving the air control request for carrying out risk control to given transaction, from index
Library, which obtains, closes rule risk parameter, the first black and white lists and scene risk parameter, wherein closing rule risk parameter includes that rule are closed in channel
Parameter and channel close rule parameter, and closing rule parameter based on channel can determine whether trading channel meets operation regulation, are based on channel
Closing rule parameter can determine whether trade company meets operation regulation, and scene risk parameter includes channel quality parameter and transaction flow ginseng
Number, can determine whether channel quality meets operation regulation based on the channel quality parameter, can be with based on the transaction flow parameter
Determine whether transaction meets transaction scene operation regulation.
Namely other than black and white lists carry out risk control, this method also passes through conjunction rule risk parameter, scene risk parameter
Deng from multiple dimensions to given transaction carry out fine granularity risk control, air control result reliability it is higher, can effectively help
Platform, businessman and user's reasonably avoiding payment risk.
It is appreciated that transaction risk control method provided by the present application can be applied to server.Specific to the application, clothes
Business device, which refers to, provides the calculating equipment of transaction risk control service, can be independent equipment, is also possible to multiple equipment shape
At service cluster.The transaction risk control method of the application can be stored in server in the form of application program, service
Device realizes transaction risk control method provided by the present application by executing the application program.Wherein, application program can be independence
Application program, be also possible to be integrated in the application program on other applications, such as plug-in unit, functional module, small routine
Deng.
In order to enable the technical solution of the application it is clearer, it can be readily appreciated that logical to the application below with reference to concrete scene
The transaction risk control method crossed is introduced.The scene framework figure of transaction risk control method shown in Figure 1, the scene
In include terminal 10, server 20, index storehouse 30, user by terminal 10 trade when, terminal 10 generate to specified friendship
The air control request of risk control is easily carried out, and sends air control request to server 20, server 20 receives air control request, from
Index storehouse 30, which obtains, closes rule risk parameter, the first black and white lists and scene risk parameter, then advises risk ginseng according to the conjunction
Several, described first black and white lists and the scene risk parameter carry out risk control to the given transaction and obtain the finger
Surely the air control result traded.
Next, by being carried out specifically from the angle of server to transaction risk control method provided by the embodiments of the present application
It is bright.The flow chart of transaction risk control method shown in Figure 2, this method comprises:
S201: air control request is received.
The air control request carries out risk control to given transaction for requesting.Given transaction is carried in air control request
The information such as transaction ID, user identifier, merchant identification, platform identification, transaction amount and trading channel, wherein Yong Hubiao
Know the buyer for identifying given transaction, merchant identification is used to identify the seller of given transaction, and platform identification is specified for identifying
It trades corresponding platform, trading channel can be understood as payment channel, including each big bank, Unionpay etc..
In practical applications, when user initiates to trade by terminal, it is specifically as follows to generate and trade order and carries out network
When payment, terminal can generate transaction ID for the transaction, according to including transaction ID, user identifier, merchant identification, trade gold
Information including volume and trading channel generates air control request, then air control request is sent to server, so that server is based on
Air control request, which trades to this, carries out risk control.
S202: it is obtained from index storehouse and closes rule risk parameter, the first black and white lists and scene risk parameter.
Wherein, the rule risk parameter of closing includes for determining whether trading channel meets the channel conjunction rule ginseng of operation regulation
It counts and for determining whether trade company meets the channel conjunction rule parameter of operation regulation.In practical application, channel close rule parameter can be with
It is subdivided into reference channel and closes rule parameter and accessory channel conjunction rule parameter, it is according to the legal political affairs of industry that the reference channel, which closes rule parameter,
Parameter that plan determines, whether meeting the legal requirements for measuring channel；The accessory channel, which closes rule parameter, to be handed over according to platform
Easy business demand determines, for measuring whether channel meets parameter as defined in platform service.One as the application is specifically shown
Example, it may include channel single limit, channel when Day Sum Limited etc. that reference channel, which closes rule parameter, and it may include leading to that auxiliary, which closes rule parameter,
Road is accumulative when Monthly Sum Limit, the limitation of channel day trade transaction stroke count etc.；It includes aptitude checking parameter that channel, which closes rule parameter, as trade company puts on record
List, crucial trade company qualifications etc..
Record has the user's merchant information for closing the user's merchant information and violation advised in first black and white lists；Violation
User's merchant information refers to the account information that the user trade company of unlawful practice occurs, wherein User Violations behavior may include set
Now, robber's card, brush list etc., trade company's unlawful practice may include brushing list, maliciously placing an order etc., and the user's merchant information for closing rule refers to
The account information of good, the trusty user trade company of credit.It should be noted that for user or trade company, an account
Family may exist multiple bank cards, and therefore, user's merchant information of the first black and white lists record is in addition to the account including user trade company
Outside the information of family, can also include bank card information namely the first black and white lists include user trade company personal account black and white lists and
Card black and white lists.
The scene risk parameter include for determine channel quality whether meet operation regulation channel quality parameter and
For determining whether transaction meets the transaction flow parameter of transaction scene operation regulation.Wherein, channel quality parameter is for measuring
Channel quality specifically includes at least one in channel response timeliness and channel transaction success rate, and transaction scene specifically includes general
Logical to receive single game scape, pay out and receive single game scape, wild card receipts single game scape, withhold scene etc., transaction flow parameter includes for trade company
Flow control parameter, as the odd-numbered day with card limit, with card with amount of money stroke count, in card Sorry, your ticket has not enough value stroke count at least one of.
Conjunction rule risk parameter, the first black and white lists and scene risk parameter, server is provided in index storehouse in advance to exist
It after receiving air control request, is requested in response to the air control, is obtained from index storehouse and close rule risk parameter, the first black and white lists and field
Scape risk parameter, to carry out risk control to given transaction, wherein given transaction refers to the transaction ID that air control request carries
Corresponding transaction.
S203: risk parameter, first black and white lists and the scene risk parameter are advised according to the conjunction, to described
Given transaction carries out risk control and obtains the air control result of the given transaction.
Specifically, server by air control request in the transaction related information that carries such as transaction amount, user identifier, trade company mark
Know, advises risk parameter such as channel single limit, channel when Day Sum Limited, trade company put list etc. on record and matched, to realize with closing
Risk control is carried out to given transaction based on rule risk parameter is closed；By the corresponding user account information of user identifier and merchant identification
The conjunction rule user's merchant information and offending user merchant information recorded in corresponding merchant account information and the first black and white lists into
Row compares, and judges whether user and trade company belong to the user trade company of the first black and white lists record, to realize black based on first
White list carries out risk control to given transaction；Server also determines that the channel response timeliness of trading channel and channel are traded successfully
Rate etc. determines that the odd-numbered day blocks with card limit, together with amount of money stroke count, Sorry, your ticket has not enough value with card for the corresponding trade company of above-mentioned merchant identification
Stroke count etc. carries out risk control to given transaction based on scene risk parameter to realize.Risk based on above three dimension
Control, obtains the air control result of given transaction.Further, server can also return to air control result to terminal to notify to use
Family, to improve user experience.
In practical application, in order to improve air control efficiency, server can be carried out given transaction according to pre-set priority
Risk control.Specifically, server can advise risk parameter, the first black and white lists and scene risk parameter three according to closing
Priority orders successively carry out risk control to the given transaction and obtain the air control result of the given transaction；Wherein, into
In row risk control treatment process, if current risk control result is air control failure, it is determined that the risk knot of the given transaction
Fruit is air control failure, if current risk control result passes through for air control, then successively based on next parameter to the specified friendship
Easily carry out risk control processing, until all parameter traversals finish, the air control result that last time risk control is handled as
The air control result of the given transaction.Below to now process is described in detail in fact.
Server according to rule risk parameter is closed to given transaction progress air control control, obtains the first air control as a result, working as first
When first air control result is that air control fails, then characterization is air control failure for the air control result of the given transaction, it may not be necessary into
The subsequent air control operation of row, directly using the first air control result as the air control result of the given transaction；When the first air control result is
When air control passes through, server carries out risk control to the given transaction according to first black and white lists and obtains the second air control knot
Fruit；When the second air control result is that air control fails, then characterization is air control failure for the air control result of the given transaction, can
Subsequent air control operation need not be carried out, directly using the second air control result as the air control result of the given transaction；Work as institute
When stating the second air control result and passing through for air control, according to the scene risk parameter, risk control is carried out to the given transaction and is obtained
To third air control as a result, using the three air controls part result as the air control result of the given transaction.
Wherein, scene risk parameter may include multiple parameters, such as channel transaction success rate, channel response timeliness channel
Mass parameter and odd-numbered day with card limit, with card with amount of money stroke count, with card Sorry, your ticket has not enough value the transaction flows parameter such as stroke count, in base
In scene risk parameter to given transaction carry out risk control when, equally can according in scene risk parameter each parameter it is preferential
Grade sequence, successively carries out risk control to the given transaction, if current risk control result is air control failure, it is determined that be based on
The scene risk parameter carries out the air control result of risk control for air control failure, if current risk controls to the given transaction
As a result pass through for risk, then risk control processing is successively carried out to the given transaction based on next parameter again, until all
Parameter traversals finish, the result that last time risk control is handled as based on the scene risk parameter to the specified friendship
Easily carry out the air control result of risk control.
In some possible implementations, if being carried out based on channel quality parameter to the corresponding first passage of given transaction
When the result of risk control is that air control fails, server can also carry out channel switching for given transaction, by the specified friendship
Second channel is easily switched to, and risk control is carried out to the second channel based on the channel quality parameter, to ensure transaction
Reliability, continuity.If being appreciated that, server is based on channel quality parameter all channels corresponding to given transaction and carries out
The result of risk control is air control failure, then characterization is air control failure for the air control result of the given transaction, and server can
Subsequent risk control need not be carried out.
It should be noted that above-described embodiment is to be illustrated using the parameter of three dimensions as example, in the application
In other possible implementations of embodiment, the parameter that may be incorporated into other dimensions carries out risk control, further enhances wind
Control the reliability of result.Also, in practical application, the sequence of each parameter can also be adjusted according to actual needs, this reality
It applies example and this is not construed as limiting.
From the foregoing, it will be observed that the embodiment of the present application provides a kind of transaction risk control method, this method is carried out from multiple dimensions
Systematically risk control specifically after receiving the air control request for carrying out risk control to given transaction, is obtained from index storehouse
Take conjunction rule risk parameter, the first black and white lists and scene risk parameter, wherein closing rule risk parameter includes that rule parameter is closed in channel
Rule parameter is closed with channel, closing rule parameter based on channel can determine whether trading channel meets operation regulation, close rule based on channel
Parameter can determine whether trade company meets operation regulation, and scene risk parameter includes channel quality parameter and transaction flow parameter,
It can determine whether channel quality meets operation regulation based on the channel quality parameter, can be determined based on the transaction flow parameter
Whether transaction meets transaction scene operation regulation, namely other than black and white lists carry out risk control, and this method also passes through conjunction rule
From multiple dimensions to given transaction with carrying out fine granularity risk control, air control result can for risk parameter, scene risk parameter etc.
It is higher by property, it being capable of effective helpdesk, businessman and user's reasonably avoiding payment risk.
It is appreciated that embodiment illustrated in fig. 2 is planned mainly by regular subdivision from linear angles similar to pyramid structure
Control scene point danger one by one, to realize transaction risk control.In some cases, server is also based on historical trading letter
Breath establishes Analysis model of network behaviors, realizes global risk control by Analysis model of network behaviors, ensures the safety and stability of transaction.
Next, in conjunction with Fig. 3 to another implementation of transaction risk control method provided by the embodiments of the present application into
Row explanation, referring to Fig. 3, this method comprises:
S301: historical transactional information is obtained.
Historical transactional information may include being related to the relevant historical transactional information of user and the specified friendship to the given transaction
Easily it is related to the relevant historical transactional information of trade company and is related to the relevant historical transactional information of platform to the given transaction.
Wherein, the relevant historical transactional information of user is related to the given transaction can specifically include trade network interconnection association
Discuss the address (Internet Protocol, IP), trading frequency, transaction amount (including transaction amount mean value, maximum value, minimum value
Deng) and type of transaction, consumption scene etc. at least one of, based on this can identify bank card usurp, credit card arbitrage wind
Danger.
Being related to the relevant historical transactional information of trade company to the given transaction can specifically include: type of transaction, payment-reimbursement
Matching degree, payment-cancellation matching degree, payment transaction IP address statistical probability etc. are based on this, can identify the brush uniline of trade company
For, lower single act of malice etc..
To the given transaction be related to the relevant historical transactional information of platform then can be used for identifying internal staff's violation operation,
The risks such as permission bypasses, repeat business.
S302: Analysis model of network behaviors is determined according to the historical transactional information.
The Analysis model of network behaviors, which is used to assess given transaction, whether there is the abnormal behaviour wind of trade company, user or platform
Danger.In specific implementation, server can be acquired from the historical transactional information trade company's behavioral data, user behavior data with
And platform behavioral data, specifically, server can be related to acquiring in the relevant historical transactional information of user to given transaction
Then, trade company's Analysis model of network behaviors is determined according to trade company's behavioral data, user's row is determined according to the user behavior data
For analysis model, and, platform Analysis model of network behaviors is determined according to the platform behavioral data.
Specifically, server can formulate corresponding behavior according to different transaction scenes, different risk loopholes respectively
Analysis model.By taking trade company's brush single game scape as an example, mostly in merchant end, regular place an order of merchant end pays and has general brush single game scape
The factors such as reimbursement, cancellation and the exchange hour span of rule may be incorporated for fitting Analysis model of network behaviors, to identify quotient
Family whether there is brush single act.
S303: air control request is received.
S304: it is obtained from index storehouse and closes rule risk parameter, the first black and white lists and scene risk parameter.According to the conjunction
Advise risk parameter, first black and white lists and the scene risk parameter.
Wherein, the specific implementation of S303 and S304 may refer to the description of embodiment related content described in Fig. 2, no longer superfluous herein
It states.It, can be in subsequent execution risk control operation it should be noted that after determining Analysis model of network behaviors by S301 and S302
Directly using the model without redefining model, namely when executing S303 and S304, if Analysis model of network behaviors is existing,
It then can directly utilize existing model.
S305: risk parameter, first black and white lists, the scene risk parameter and the row are advised according to the conjunction
Risk control is carried out to the given transaction for analysis model and obtains the air control result of the given transaction.
Specifically, server advises risk parameter, first black and white lists and the scene risk parameter according to the conjunction
Risk control is carried out to given transaction, and risk control is carried out to the given transaction according to Analysis model of network behaviors, according to base
In the air control for the air control result and Behavior-based control analysis model for closing rule risk parameter, the first black and white lists and scene risk parameter
As a result final air control result is obtained.
From the foregoing, it will be observed that carrying out risk control the process employs rule subdivision and Analysis model of network behaviors two ways obtains wind
Control is as a result, specifically, carrying out high abstraction to the Risk characteristics of operation system, commenting from internal risks state modulator, internal act
The multi-angular analysis such as survey, external administration policy form full-range Risk Control System, utilize the skills such as multiple rule, data fitting
Art means are finely divided transaction risk, the scientific quantification for realizing risk control and precisely anticipation, reliability with higher.
It is appreciated that transaction risk control method provided by the embodiments of the present application is the various risks ginseng relied in index storehouse
What number was realized.However, the risk parameter in index storehouse is not unalterable, such as closes rule parameter for channel, industry is legal
Policy may be changed with industry development namely reference channel conjunction rule parameter can be with the change of the legal policy of industry
And change, likewise, platform transaction business demand can also according to the actual situation and change namely accessory channel close
Rule parameter is changed with platform transaction business demand.Based on this, server can also be to the risk parameter etc. in index storehouse
It is updated.
Specifically, server can receive operation system transmission index allocation parameter, the index allocation parameter include to
At least one of conjunction rule risk parameter, the first black and white lists to be updated and scene risk parameter to be updated of update,
Then server updates corresponding parameter in the index storehouse according to the index allocation parameter.By updating the phase in index storehouse
Parameter is closed, the timely adaption demand variation of the transaction risk control method can be made, the updated parameter of server by utilizing carries out
Risk control can ensure the reliability of air control result, so that effectively helpdesk, businessman and user's reasonably avoiding pay wind
Danger.
In the present embodiment, by the way that the user and quotient that the first black and white lists are recorded can be filtered using the first black and white lists
Risk control is realized at family, but in practical applications, and the user of the first black and white lists record and trade company are often that unlawful practice reaches
The user of certain number and trade company, for there are unlawful practice but unlawful practice number is not up to user and the trade company of preset value,
Also referred to as there is user and the trade company of potential threat, and be not recorded in the first black and white lists, by the first black and white lists without
Method filters user and the trade company of these potential threats, therefore, server can also be safeguarded in index storehouse the second black and white lists (
Claim lag black and white lists), record has that there are the user of potential threat and trade companies in the second black and white lists, in this way, black by second
White list can filter the reliability that air control result is further increased there are the user of potential threat and trade company.
The implementation for carrying out risk control based on the second black and white lists is described in detail below.Specifically, if institute
It states user that given transaction is related to or trade company is marked in second black and white lists, determine that the given transaction is potential prestige
Side of body transaction；It trades, is counted with card with trading number and/or transaction amount, if described with card for the potential threat
When being more than corresponding threshold value with trading number or transaction amount, it is determined that the air control result of the given transaction is air control
Failure.
In order to enable the technical solution of the application is clearer, below in conjunction with concrete application scene to the embodiment of the present application
The transaction risk control method of offer is introduced.
The application scenarios schematic diagram of transaction risk control method shown in Figure 4, include in the application scenarios terminal 10,
Server 20 and index storehouse 30, in index storehouse 30 configured with close rule risk parameter, the first black and white lists, the second black and white lists with
And scene risk parameter, wherein closing rule risk parameter includes channel single limit, channel when Day Sum Limited, the accumulative of that month limit in channel
Volume, the limitation of channel same day stroke count and trade company put list, crucial trade company qualifications on record, and the first black and white lists record, which has, closes rule
User's merchant information of user's merchant information and violation, the second black and white lists record have there are the user of potential threat and trade company,
Scene risk parameter include channel transaction success rate, channel response timeliness, the odd-numbered day with card limit, with card with amount of money stroke count and with card
Sorry, your ticket has not enough value stroke count etc..
Above-mentioned parameter is the risk problem prompted according to operation system, for example transaction success rate is low, generation identity theft is thrown
Tell, that single phenomenon is brushed by trade company is serious, disassemble business risk process, from close rule, scene feature angularly analysis process risk and determine
, specifically, for above-mentioned risk problem, risks and assumptions are extracted, such as channel odd-numbered day limit, single limit, the black and white of card user
List, same card are with amount of money stroke count, payment frequency, payment-reimbursement matching degree, trading environment (IP address occurs for transaction) etc., then
According to transaction scene classification, and the independent factor is extracted respectively and is configured in index storehouse.
Also, server 20 obtains historical transactional information, and trade company's behavioral data is acquired from the historical transactional information, is used
Family behavioral data and platform behavioral data；Trade company's Analysis model of network behaviors is determined according to trade company's behavioral data, according to described
User behavior data determines user behavior analysis model, and, platform behavioural analysis mould is determined according to the platform behavioral data
Type.
In order to make it easy to understand, being illustrated by taking trade company's brush single act analysis model as an example.Fig. 5 is referred to, Fig. 5 is based on quotient
Trade company's brush single act that reimbursement information, the information that Cancels Transaction, payment transaction IP address information in the historical transactional information of family are established
Analysis model.Wherein, R indicates the matching degree of Zhi Fuyu reimbursement transaction, and C indicates the matching degree that Zhi Fuyu Cancels Transaction, and I indicates branch
Transaction IP address statistical probability is paid, G indicates the gravity factor, shows for majorized function value, and D indicates that model calculates score value, and D value is got over
Height then shows that transaction belongs to that the single probability of brush is higher, and risk is bigger, and R, C, I are indicated with hundred-mark system, and G value is typically in the range of 1 to 10
Between.Specifically, which can be characterized by following formula:
Wherein, the meaning of formula (1) R, C, I, G and D is identical as R, C, I, G, D meaning in Fig. 5, specifically refers to correlation above
Content description, e is natural constant.
In distribu-tion index library 30 and after establishing Analysis model of network behaviors, server 20 can use risk parameter and behavior point
It analyses model and carries out risk control.Specifically, it when user initiates transaction by terminal 10, generates air control and requests, in air control request
Carry the information such as transaction ID, user identifier, merchant identification, platform identification, transaction amount and trading channel, server 20
Air control request is received, risk is on the one hand carried out to the corresponding given transaction of transaction ID according to the risk parameter in index storehouse
Control, another aspect Behavior-based control analysis model carry out risk control to given transaction.
Specifically, risk control is carried out according to the risk parameter in index storehouse to specifically include, transaction amount and channel is single
Limit compares, and day trade transaction volume determines the accumulative friendship of the transaction and this month complete transaction compared with the same day limit of channel
Whether easy volume, which is more than that channel is accumulative, is worked as whether Monthly Sum Limit and the transaction are more than the limitation of channel same day stroke count, then, then determines quotient
Whether mark corresponding trade company in family, which is recorded in trade company, is put on record in list, if has crucial trade company qualifications, if transaction amount
It is less than channel single limit, day trade transaction volume is less than channel and works as Day Sum Limited, and the transaction and this month complete transaction is tired
Meter turnover is less than channel and adds up to work as Monthly Sum Limit, which is also less than the limitation of channel same day stroke count, also, merchant identification pair
The trade company answered is recorded in trade company and puts on record in list, and has crucial trade company qualifications, then air control passes through, and can continue through
Black and white lists are screened.
In specific implementation, server 20 carries out risk control, tool to the given transaction according to the first black and white lists first
Body, if trade company or user that the given transaction is related to are recorded in the blacklist of the first black and white lists, return to air control mistake
It loses, if the trade company and user that the given transaction is related to and being not recorded in the blacklist of the first black and white lists, returns to air control
Pass through.
In order to improve air control reliability, server 20 carries out risk control to the given transaction also according to the second black and white lists
System, specifically, if trade company or user that the given transaction is related to are recorded in the blacklist of the second black and white lists, this is referred to
Transactional marking is determined for potential threat transaction, is traded, is counted with card with trading number and trade gold for the potential threat
Volume, if the same card is more than corresponding threshold value with trading number or transaction amount, it is determined that the given transaction
Air control result is air control failure, if described with trading number and transaction amount and be less than corresponding threshold value with card,
It returns to air control to pass through, server 20 can continue to carry out risk control to given transaction according to scene risk parameter.
When carrying out risk control according to scene risk parameter, the preferential of parameters in scene risk parameter can be set
Grade, such as channel transaction success rate, channel response timeliness, odd-numbered day are set with card limit, with card with amount of money stroke count and with card remaining sum
Successively from high to low, server 20 is judged according to the priority orders to determine given transaction the priority of insufficient stroke count
Air control result.
Show that current risk control result is if its parameter value is lower than corresponding threshold value for channel transaction success rate
Air control failure, server 20 carry out channel switching for given transaction, and based on channel transaction success rate to the channel after switching
Risk control is carried out, when returning to air control failure for all channels, it is determined that based on the scene risk parameter to described
Given transaction carries out the air control result of risk control as air control failure.If channel is traded, the parameter value of success rate is higher than its threshold value,
It then returns to air control to pass through, server 20 carries out risk control then according to channel response timeliness.
For channel response timeliness, if its parameter value is lower than corresponding threshold value, show that current risk control result is wind
Control failure, server 20 carries out channel switching for given transaction, and is carried out based on channel response timeliness to the channel after switching
Risk control, when returning to air control failure for all channels, it is determined that based on the scene risk parameter to described specified
Transaction carries out the air control result of risk control as air control failure.If the parameter value of channel response timeliness is higher than corresponding threshold value,
It returns to air control to pass through, server 20 can successively judge the odd-numbered day with card limit, with card with amount of money stroke count and with card Sorry, your ticket has not enough value pen
Number continues basis if passing through according to the odd-numbered day with the air control result of card limit for air control to carry out risk control to given transaction
Carry out risk control with amount of money stroke count with card, if its air control result passes through for air control, then based on card Sorry, your ticket has not enough value stroke count into
Row risk control, if its air control result passes through for air control, it is determined that based on the scene risk parameter to the given transaction into
The air control result of row risk control passes through for air control.
In addition, server 20 carries out risk control to given transaction also according to Analysis model of network behaviors.Specifically, server 20
The related data of given transaction is input to Analysis model of network behaviors, such as to be input to trade company's brush single act analysis model available
Model calculates score value, and model calculates that score value is higher, and the trade company which is related to is based on there are the probability of brush single act is higher
This can determine when model, which calculates score value, is higher than corresponding threshold value and carry out risk to given transaction according to Analysis model of network behaviors
The air control result of control is air control failure, when model, which calculates score value, is lower than corresponding threshold value, then can be determined according to behavior point
The air control result that analysis model carries out risk control to given transaction passes through for air control.
Then, server 20 carries out wind by the result for carrying out risk control according to risk parameter and according to Analysis model of network behaviors
The result nearly controlled determines the air control result of given transaction.Specifically, specifying and handing over if the two air control result is that air control passes through
Easy air control result passes through for air control, if at least one in the two air control result is air control failure, the air control of given transaction
As a result fail for air control, at this point, server 20 can block transaction, and prompt information is returned to terminal, to prompt air control result
For air control failure.
The above are a kind of specific implementations of transaction risk control method provided by the embodiments of the present application, are based on this, this
Application embodiment additionally provides corresponding transaction risk control device, will implement below from the angle of function modoularization to the application
The device that example provides is introduced.
With reference to the structural schematic diagram of transaction risk control device shown in fig. 6, which includes:
Receiving module 610, for receiving air control request, the air control request carries out risk control to given transaction for requesting
System；
Module 620 is obtained, closes rule risk parameter, the first black and white lists and scene risk ginseng for obtaining from index storehouse
Number；Wherein, it is described close rule risk parameter include for determine trading channel whether meet operation regulation channel close rule parameter and
For determining whether trade company meets the channel conjunction rule parameter of operation regulation；Record has the user for closing and advising in first black and white lists
User's merchant information of merchant information and violation；The scene risk parameter includes for determining whether channel quality meets business
Defined channel quality parameter and the transaction flow parameter for whether meeting transaction scene operation regulation for determining transaction；
Air control module 630, for advising risk parameter, first black and white lists and the scene risk according to the conjunction
Parameter carries out risk control to the given transaction and obtains the air control result of the given transaction.
Optionally, the air control module 630 is specifically used for:
Rule risk parameter, first black and white lists and the priority of the scene risk parameter three are closed according to described
Sequentially, risk control successively is carried out to the given transaction and obtains the air control result of the given transaction；
Wherein, in carrying out risk control treatment process, if current risk control result is air control failure, it is determined that described
The Risk Results of given transaction are air control failure, if current risk control result passes through for air control, then successively based on next
Parameter carries out risk control processing to the given transaction, until all parameter traversals finish, at last time risk control
Air control result of the air control result of reason as the given transaction.
Optionally, the air control module 630 is specifically used for:
Risk parameter is advised according to the conjunction, and the first air control result is obtained to given transaction progress risk control；
When the first air control result is that air control fails, then using the first air control result as the given transaction
Air control result；
When the first air control result passes through for air control, the given transaction is carried out according to first black and white lists
Risk control obtains the second air control result；
When the second air control result is that air control fails, then using the second air control result as the given transaction
Air control result；
When the second air control result passes through for air control, according to the scene risk parameter, to the given transaction into
Row risk control obtains third air control as a result, using the three air controls part result as the air control result of the given transaction.
Optionally, described device 600 further includes the first determining module；
The acquisition module 620 is also used to: obtaining historical transactional information；
First determining module is also used to: determining Analysis model of network behaviors, the behavior according to the historical transactional information
Analysis model, which is used to assess given transaction, whether there is the abnormal behaviour risk of trade company, user or platform；
Then the air control module 630 is specifically used for:
Risk parameter, first black and white lists, the scene risk parameter and the behavior point are advised according to the conjunction
Analysis model carries out risk control to the given transaction and obtains the air control result of the given transaction.
Optionally, first determining module is specifically used for:
Trade company's behavioral data, user behavior data and platform behavioral data are acquired from the historical transactional information；
Trade company's Analysis model of network behaviors is determined according to trade company's behavioral data, and user is determined according to the user behavior data
Analysis model of network behaviors, and, platform Analysis model of network behaviors is determined according to the platform behavioral data.
Optionally, the receiving module is also used to:
The index allocation parameter that operation system is sent is received, the index allocation parameter includes conjunction rule risk ginseng to be updated
At least one of the first black and white lists several, to be updated and scene risk parameter to be updated；
Described device 600 further include:
Update module, for updating corresponding parameter in the index storehouse according to the index allocation parameter.
Optionally, the air control module 630 is specifically used for:
According to the priority orders of each parameter in the scene risk parameter, risk control successively is carried out to the given transaction
System, if current risk control result is air control failure, it is determined that the given transaction is carried out based on the scene risk parameter
The air control result of risk control is air control failure, if current risk control result passes through for risk, then successively based on next
Parameter carries out risk control processing to the given transaction, until all parameter traversals finish, at last time risk control
The result of reason is as the air control result for carrying out risk control to the given transaction based on the scene risk parameter.
Optionally, the air control module 630 is also used to:
When the result for carrying out risk control to the corresponding first passage of the given transaction based on the channel quality parameter
When failing for air control, then channel switching is carried out for the given transaction, the given transaction is switched into second channel, and base
Risk control is carried out to the second channel in the channel quality parameter.
It optionally, further include the second black and white lists in the index storehouse；There is in the presence of latent record in second black and white lists
User and trade company in threat；
Then described device further include:
Second determining module, if the user or trade company that are related to for the given transaction are marked on the second black and white name
Dan Zhong determines the given transaction for potential threat transaction；
The air control module is also used to:
It trades, is counted with card with trading number and/or transaction amount, if described with card for the potential threat
When being more than corresponding threshold value with trading number or transaction amount, it is determined that the air control result of the given transaction is air control
Failure.
Optionally, it includes that reference channel closes rule parameter and accessory channel conjunction rule parameter that rule parameter is closed in the channel；The base
It is the parameter for being determined according to the legal policy of industry, whether being met the legal requirements for measuring channel that rule parameter is closed in quasi- channel；Institute
Stating accessory channel and closing rule parameter is determined according to platform transaction business demand, for measuring whether channel meets platform service regulation
Parameter；
The channel quality parameter includes: channel transaction success rate and/or channel response timeliness；
The transaction flow parameter includes: the odd-numbered day with card limit, with card with amount of money stroke count and in card Sorry, your ticket has not enough value stroke count
At least one of.
From the foregoing, it will be observed that the embodiment of the present application provides a kind of transaction risk control device, which carries out from multiple dimensions
Systematically risk control specifically after receiving the air control request for carrying out risk control to given transaction, is obtained from index storehouse
Take conjunction rule risk parameter, the first black and white lists and scene risk parameter, wherein closing rule risk parameter includes that rule parameter is closed in channel
Rule parameter is closed with channel, closing rule parameter based on channel can determine whether trading channel meets operation regulation, close rule based on channel
Parameter can determine whether trade company meets operation regulation, and scene risk parameter includes channel quality parameter and transaction flow parameter,
It can determine whether channel quality meets operation regulation based on the channel quality parameter, can be determined based on the transaction flow parameter
Whether transaction meets transaction scene operation regulation, namely other than black and white lists carry out risk control, which also passes through conjunction rule
From multiple dimensions to given transaction with carrying out fine granularity risk control, air control result can for risk parameter, scene risk parameter etc.
It is higher by property, it being capable of effective helpdesk, businessman and user's reasonably avoiding payment risk.
Transaction risk control device provided by the embodiments of the present application is introduced from the angle of function modoularization above, it is right
Ying Di, present invention also provides a kind of servers, it will be introduced from the angle of hardware entities below.
Fig. 7 is a kind of server architecture schematic diagram provided by the embodiments of the present application, which can be because of configuration or performance
It is different and generate bigger difference, it may include one or more central processing units (central processing
Units, CPU) 722 (for example, one or more processors) and memory 732, one or more storages apply journey
The storage medium 730 (such as one or more mass memory units) of sequence 742 or data 744.Wherein, 732 He of memory
Storage medium 730 can be of short duration storage or persistent storage.The program for being stored in storage medium 730 may include one or one
With upper module (diagram does not mark), each module may include to the series of instructions operation in server.Further, in
Central processor 722 can be set to communicate with storage medium 730, execute on server 700 a series of in storage medium 730
Instruction operation.
Server 700 can also include one or more power supplys 726, one or more wired or wireless networks
Interface 750, one or more input/output interfaces 758, and/or, one or more operating systems 741, such as
Windows ServerTM, Mac OS XTM, UnixTM, LinuxTM, FreeBSDTM etc..
The step as performed by server can be based on the server architecture shown in Fig. 7 in above-described embodiment.
Wherein, CPU 722 is for executing following steps:
Air control request is received, the air control request carries out risk control to given transaction for requesting；
It is obtained from index storehouse and closes rule risk parameter, the first black and white lists and scene risk parameter；Wherein, wind is advised in the conjunction
Dangerous parameter includes for determining whether trading channel meets the channel conjunction rule parameter of operation regulation and for determining whether trade company accords with
The channel for closing operation regulation closes rule parameter；Record has the use for closing the user's merchant information and violation advised in first black and white lists
Family merchant information；The scene risk parameter includes for determining whether channel quality meets the channel quality parameter of operation regulation
With the transaction flow parameter for whether meeting transaction scene operation regulation for determining transaction；
Risk parameter, first black and white lists and the scene risk parameter are advised according to the conjunction, to described specified
Transaction carries out risk control and obtains the air control result of the given transaction.
Optionally, CPU722 is also used to execute any one reality of transaction risk control method provided by the embodiments of the present application
The step of existing mode.
The embodiment of the present application also provides a kind of computer readable storage medium, for storing program code, the program code
For executing any one embodiment in a kind of transaction risk control method described in foregoing individual embodiments.
The embodiment of the present application also provides a kind of computer program product including instruction, when run on a computer,
So that computer executes any one embodiment in a kind of transaction risk control method described in foregoing individual embodiments.
It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description,
The specific work process of device and unit, can refer to corresponding processes in the foregoing method embodiment, and details are not described herein.
In several embodiments provided herein, it should be understood that disclosed system, device and method can be with
It realizes by another way.For example, the apparatus embodiments described above are merely exemplary, for example, the unit
It divides, only a kind of logical function partition, there may be another division manner in actual implementation, such as multiple units or components
It can be combined or can be integrated into another system, or some features can be ignored or not executed.Another point, it is shown or
The mutual coupling, direct-coupling or communication connection discussed can be through some interfaces, the indirect coupling of device or unit
It closes or communicates to connect, can be electrical property, mechanical or other forms.
The unit as illustrated by the separation member may or may not be physically separated, aobvious as unit
The component shown may or may not be physical unit, it can and it is in one place, or may be distributed over multiple
In network unit.It can select some or all of unit therein according to the actual needs to realize the mesh of this embodiment scheme
's.
It, can also be in addition, each functional unit in each embodiment of the application can integrate in one processing unit
It is that each unit physically exists alone, can also be integrated in one unit with two or more units.Above-mentioned integrated list
Member both can take the form of hardware realization, can also realize in the form of software functional units.
If the integrated unit is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each embodiment the method for the application
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (full name in English: Read-Only
Memory, english abbreviation: ROM), random access memory (full name in English: Random Access Memory, english abbreviation:
RAM), the various media that can store program code such as magnetic or disk.
It should be appreciated that in this application, " at least one (item) " refers to one or more, and " multiple " refer to two or two
More than a."and/or" indicates may exist three kinds of relationships, for example, " A and/or B " for describing the incidence relation of affiliated partner
It can indicate: only exist A, only exist B and exist simultaneously tri- kinds of situations of A and B, wherein A, B can be odd number or plural number.Word
Symbol "/" typicallys represent the relationship that forward-backward correlation object is a kind of "or"." at least one of following (a) " or its similar expression, refers to
Any combination in these, any combination including individual event (a) or complex item (a).At least one of for example, in a, b or c
(a) can indicate: a, b, c, " a and b ", " a and c ", " b and c ", or " a and b and c ", and wherein a, b, c can be individually, can also
To be multiple.
The above, above embodiments are only to illustrate the technical solution of the application, rather than its limitations；Although referring to before
Embodiment is stated the application is described in detail, those skilled in the art should understand that: it still can be to preceding
Technical solution documented by each embodiment is stated to modify or equivalent replacement of some of the technical features；And these
It modifies or replaces, the spirit and scope of each embodiment technical solution of the application that it does not separate the essence of the corresponding technical solution.
Claims (10)
1. a kind of transaction risk control method characterized by comprising
Air control request is received, the air control request carries out risk control to given transaction for requesting；
It is obtained from index storehouse and closes rule risk parameter, the first black and white lists and scene risk parameter；Wherein, the conjunction rule risk ginseng
Number includes for determining whether trading channel meets the channel conjunction rule parameter of operation regulation and for determining whether trade company meets industry
Channel as defined in being engaged in closes rule parameter；Record has the user quotient for closing the user's merchant information and violation advised in first black and white lists
Family information；The scene risk parameter includes for determining whether channel quality meets the channel quality parameter and use of operation regulation
Whether meet the transaction flow parameter of transaction scene operation regulation in determining transaction；
Risk parameter, first black and white lists and the scene risk parameter are advised according to the conjunction, to the given transaction
It carries out risk control and obtains the air control result of the given transaction.
2. transaction risk control method according to claim 1, which is characterized in that described to advise risk ginseng according to the conjunction
Several, described first black and white lists and the scene risk parameter carry out risk control to the given transaction and obtain the finger
Surely the air control result traded, comprising:
It is suitable according to the conjunction rule risk parameter, first black and white lists and the priority of the scene risk parameter three
Sequence successively carries out risk control to the given transaction and obtains the air control result of the given transaction；
Wherein, in carrying out risk control treatment process, if current risk control result is air control failure, it is determined that described specified
The Risk Results of transaction are air control failure, if current risk control result passes through for air control, then are successively based on next parameter
Risk control processing is carried out to the given transaction, until all parameter traversals finish, last time risk control is handled
Air control result of the air control result as the given transaction.
3. transaction risk control method according to claim 2, which is characterized in that described according to conjunction rule risk ginseng
The priority orders of several, described first black and white lists and the scene risk parameter three, successively to the given transaction into
Row risk control obtains the air control result of the given transaction, comprising:
Risk parameter is advised according to the conjunction, and the first air control result is obtained to given transaction progress risk control；
When the first air control result is that air control fails, then using the first air control result as the air control of the given transaction
As a result；
When the first air control result passes through for air control, risk is carried out to the given transaction according to first black and white lists
Control obtains the second air control result；
When the second air control result is that air control fails, then using the second air control result as the air control of the given transaction
As a result；
When the second air control result passes through for air control, according to the scene risk parameter, wind is carried out to the given transaction
Danger control obtains third air control as a result, using the three air controls part result as the air control result of the given transaction.
4. transaction risk control method according to claim 1, which is characterized in that the method also includes:
Obtain historical transactional information；
Analysis model of network behaviors is determined according to the historical transactional information, and whether the Analysis model of network behaviors is for assessing given transaction
There are the abnormal behaviour risks of trade company, user or platform；
It is then described that risk parameter, first black and white lists and the scene risk parameter are advised according to the conjunction, to the finger
Fixed transaction carries out risk control and obtains the air control result of the given transaction
Risk parameter, first black and white lists, the scene risk parameter and the behavioural analysis mould are advised according to the conjunction
Type carries out risk control to the given transaction and obtains the air control result of the given transaction.
5. transaction risk control method according to claim 4, which is characterized in that described according to the historical transactional information
Determine Analysis model of network behaviors, comprising:
Trade company's behavioral data, user behavior data and platform behavioral data are acquired from the historical transactional information；
Trade company's Analysis model of network behaviors is determined according to trade company's behavioral data, and user behavior is determined according to the user behavior data
Analysis model, and, platform Analysis model of network behaviors is determined according to the platform behavioral data.
6. transaction risk control method according to claim 1, which is characterized in that the method also includes:
Receive the index allocation parameter that operation system is sent, the index allocation parameter include to be updated conjunction rule risk parameter,
At least one of the first black and white lists to be updated and scene risk parameter to be updated；
Corresponding parameter in the index storehouse is updated according to the index allocation parameter.
7. transaction risk control method according to any one of claim 1 to 6, which is characterized in that described according to
Scene risk parameter carries out risk control to the given transaction, comprising:
According to the priority orders of each parameter in the scene risk parameter, risk control successively is carried out to the given transaction,
If current risk control result is air control failure, it is determined that carry out risk to the given transaction based on the scene risk parameter
The air control result of control is air control failure, if current risk control result passes through for risk, then is successively based on next parameter
Risk control processing is carried out to the given transaction, until all parameter traversals finish, last time risk control is handled
As a result as the air control result for carrying out risk control to the given transaction based on the scene risk parameter.
8. a kind of transaction risk control device characterized by comprising
Receiving module, for receiving air control request, the air control request carries out risk control to given transaction for requesting；
Module is obtained, closes rule risk parameter, the first black and white lists and scene risk parameter for obtaining from index storehouse；Wherein,
The rule risk parameter of closing includes for determining whether trading channel meets the channel conjunction rule parameter of operation regulation and for determining
The channel whether trade company meets operation regulation closes rule parameter；Record has the user's merchant information for closing and advising in first black and white lists
With user's merchant information of violation；The scene risk parameter includes for determining whether channel quality meets the logical of operation regulation
Road mass parameter and the transaction flow parameter for whether meeting transaction scene operation regulation for determining transaction；
Air control module is right for advising risk parameter, first black and white lists and the scene risk parameter according to the conjunction
The given transaction carries out risk control and obtains the air control result of the given transaction.
9. a kind of server, which is characterized in that the server includes processor and memory:
Said program code is transferred to the processor for storing program code by the memory；
The processor is used for the transaction according to instruction execution any one of claims 1 to 7 in said program code
Risk control method.
10. a kind of computer readable storage medium, which is characterized in that the computer readable storage medium is for storing program generation
Code, said program code is for transaction risk control method described in any one of perform claim requirement 1 to 7.
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