Specific embodiment
Currently, electronic payment platform generally only supports user actively to carry out delay in the case where recognizing risk of fraud and turn
Account.However, in many cases, user often lacks the information and ability of identification risk of fraud, it is unaware of what oneself was faced
Risk of fraud.Assuming that user initiates to transfer accounts because being spoofed, do not recognize that oneself may be spoofed but, then, user transfers accounts
Fund will reach the account of criminal immediately, cause fund to be difficult to recover.
In addition, existing delay is transferred accounts, function is after default fund 24 hours to account.However, if Client-initiated turns
Although account transaction have fraud possibility, fraud possibility it is lower, then, for a user, delay 24 hours into
Capable paid time cost of transferring accounts is excessive.
Based on the above, the invention proposes a kind of transfer request processing method based on risk identification.On the one hand, if with
The transfer request that family is initiated has risk of fraud, then, even user does not recognize that oneself may be cheated, e-payment is flat
Platform also can carry out risk prompting to user in time, and guidance user's Time delay is transferred accounts function, this is safer for a user.
On the other hand, electronic payment platform can be according to the height for the risk of fraud degree that transfer request has, when determining suitable delay
Progress line delay is transferred accounts, rather than no matter risk of fraud just, is all delayed and transfers accounts for a long time (24 hours), in this way, can
To accelerate progress of transferring accounts as far as possible under the premise of clearly transferring accounts risk.
In order to make those skilled in the art more fully understand the technical solution in this specification embodiment, below in conjunction with this
Attached drawing in specification embodiment is described in detail the technical solution in this specification embodiment, it is clear that described
Embodiment is only a part of the embodiment of this specification, instead of all the embodiments.The embodiment of base in this manual,
Those of ordinary skill in the art's every other embodiment obtained, all should belong to the range of protection.
Below in conjunction with attached drawing, the technical solution that each embodiment of this specification provides is described in detail.
Fig. 1 is a kind of process signal for transfer request processing method based on risk identification that this specification embodiment provides
Figure, comprising the following steps:
S100: Client-initiated transfer request is received.
The executing subject of this method specifically can be the server of electronic payment platform.Hereafter to the electronic payment platform
The step of the step of execution is illustrated, and actually executes to the server of the electronic payment platform is illustrated.
In this specification embodiment, the user refers to the user that initiation is transferred accounts.In general, the user is in e-payment
Account is opened on platform, user initiates transfer request to electronic payment platform, and actually request electronic payment platform will be certainly
Certain amount of money in oneself account is transferred to other users.
S102: being based on preset risk of fraud identification model, carries out risk identification for the transfer request.
In this specification embodiment, the risk of fraud identification model be can be for carrying out for a money transfer transactions
The strategy of risk of fraud identification, rule are also possible to obtain based on machine learning algorithm training, for being directed to friendship of transferring accounts
Easily carry out the model of risk of fraud identification.
Specifically, it is based on the risk of fraud identification model, carries out risk of fraud identification for the transfer request, it is practical
On be that risk analysis is carried out according to user information of transferring accounts, the receipt on account user information, transfer amounts for including in the transfer request,
Risk Analysis Process relates generally to the analysis to the transactions history record, habit feature of the user that transfers accounts, and to receipt on account user's
The analysis of transactions history record, habit feature, it is also possible to it is current to be related to whether reasonable, the described user that transfers accounts to current exchange hour
The equipment used whether be the factors such as commonly used equipment analysis.In short, to those skilled in the art, it can be according to practical need
A variety of different risk of fraud identification models are preset, realizes and the risk of fraud of transfer request is identified.
In this specification embodiment, fraud specifically can be for the recognition result of the risk of fraud identification of transfer request
Risk probability, risk of fraud probability is bigger, illustrates that a possibility that user initiates the transfer request because being spoofed is got over
Height, i.e. risk of fraud are higher.
Specifically, probability threshold value can be preassigned, when to the transfer request progress obtained fraud of risk identification
Risk probability is greater than the probability threshold value, so that it may be considered as with risk of fraud.When to transfer request progress risk identification
Obtained risk of fraud probability is not more than the probability threshold value, so that it may be considered as without risk of fraud.
S104: if recognition result characterization has risk of fraud, user's Time delay is prompted to transfer accounts function.
S106: if there is recognition result characterization risk of fraud to determine delay duration according to the recognition result.
In this specification embodiment, electronic payment platform, can be with if it is determined that recognition result characterization has risk of fraud
On the one hand indicating risk is carried out to user, it is proposed that user's Time delay is transferred accounts function.For example, electronic payment platform can be to user
Show one section of prompt information " currently transferring accounts, there are risk of fraud, it is proposed that carries out delay and transfers accounts ".On the other hand, electronic payment platform
The height for the risk of fraud that can be characterized according to the recognition result, determines delay duration.Determining delay duration is longer, table
The risk of fraud of the bright recognition result characterization is higher (i.e. risk of fraud probability is bigger).
Further, this specification embodiment provides the mode of following several determining delay durations:
Mode 1: the risk of fraud (risk of fraud probability) of determining delay duration and recognition result characterization is positively correlated.
In this way, determining that the mode of delay duration is actually, with delay duration dependent variable, using risk of fraud probability as the positive of independent variable
Close function.For example, the positive correlation function can be y=2x, wherein y characterizes delay duration, and x characterizes risk of fraud probability.
Mode 2: presetting several risk class, for each risk class, distributes corresponding Probability Region for the risk class
Between, also, corresponding duration is distributed for the risk class.Wherein, for any two risk class, higher risk class institute
The left end point value of corresponding probability interval is greater than the right end point value of probability interval corresponding to lower risk class.
In this way, can determine the fraud according to for risk of fraud probability obtained by transfer request progress risk identification
The probability interval that risk probability is fallen into, and then using the corresponding risk class of determining probability interval as target risk grade.With
Afterwards, the corresponding duration of target risk grade is determined as delay duration.
Obviously, in mode 2, the target risk higher grade, shows that the risk of fraud of the recognition result characterization is got over
It is high.The delay duration is longer, shows that the target risk higher grade.
Furthermore it should be noted that in mode 2, is determined according to multiple and different recognition results (risk of fraud probability)
Delay duration may be identical.This is because multiple and different risk of fraud probability may fall into preset same probability interval,
Also same risk class is then corresponded to, finally determining delay duration is all the corresponding duration of the risk class.
Mode 3: being modified based on mode 2, for preset each risk class, preset the risk class it is corresponding when
Long section;For any two risk class, the left end point value in duration section corresponding to higher risk class is greater than lower
Risk class corresponding to duration section right end point value.
In this way, the corresponding duration section of the target risk grade can be determined after determining target risk grade,
As target duration section.Then, it is based on target duration section, determines delay duration.Namely institute falls into institute for one
The duration in target duration section is stated as delay duration.For example, can be randomly selected one falls into target duration section
Duration is as delay duration.
Mode 4: being modified based on mode 3, and the available user of electronic payment platform is based on the target duration
The specified delay duration in section.That is, determining target duration area in the height of the risk of fraud characterized according to recognition result
Between after, can specify the duration for falling into target duration section as delay duration by user.Fig. 2 is this explanation
The schematic diagram for the determination delay duration that book embodiment provides.Shown in Fig. 2 is actually aforesaid way 4.
S108: if it is determined that the delay is transferred accounts, function is triggered, then is based on the delay duration, carries out delay and transfer accounts.
In this specification embodiment, the function once user selection Time delay is transferred accounts, electronic payment platform can
To carry out delay and transfer accounts based on the delay duration determined.
It should be noted that electronic payment platform can when determine it is described delay transfer accounts function be triggered when, from the use
It withholds in the account at family.Then, after the time passing through the delay duration, execution is transferred accounts, i.e., squeezes into withholdd item
The account of beneficiary.
For example, it is assumed that the delay duration that user specifies is 3 hours, then, electronic payment platform can be getting
When stating the delay duration that user specifies, withhold from the account of the user.Then, after 3 hours, by withholdd item
Squeeze into the account of beneficiary.
Furthermore it should be noted that in this specification embodiment, not to the execution of above-mentioned steps S104 and S106 sequence
Make specific limit.Can specifically there are following several situations:
Situation 1: electronic payment platform is if it is determined that recognition result characterization then can first prompt the use with risk of fraud
Family Time delay is transferred accounts function, and the delay to be determined transfers accounts function when being triggered, and is determined and is delayed further according to the recognition result
Duration.
Situation 2: electronic payment platform is if it is determined that recognition result characterization then may be performed simultaneously step with risk of fraud
S104 and step S106.For example, 3 delay duration is determined in manner just described if adopted, electronic payment platform is determining knowledge
When other result characterization has risk of fraud, an interface can be shown to the user, had both been shown in interface for prompting
The prompt information of user's risk of fraud is stated, and shows target duration section, to request the user to be based on the target
Delay duration is specified in duration section.
Situation 3: electronic payment platform has risk of fraud if it is determined that recognition result characterizes, then can be first according to the knowledge
Other result determines delay duration, reresents user's Time delay and transfers accounts function.
Situation 4: if determining delay duration using manner described above 3, it is possible in the mistake for executing step S106
Cheng Zhong, inserting step S104.Specifically, execute step S106 according to mode 3, then after determining target duration section,
Step S104 can be executed, target duration section is showed into the user, this is equivalent to prompt user's presence and takes advantage of
Risk is cheated, and requests the user to be based on target duration section and specifies delay duration.It is obtained correspondingly, electronic payment platform is worked as
Get the delay duration that the user specifies, it is meant that determine that the delay function of transferring accounts is triggered.
By method shown in FIG. 1, electronic payment platform, can be first based on pre- when receiving Client-initiated transfer request
If risk of fraud identification model to transfer request carry out risk identification, if recognition result characterization have risk of fraud, will
On the one hand prompt user's Time delay is transferred accounts function, on the other hand determines delay duration according to recognition result.When determining delay
It is longer, show that the risk of fraud of recognition result characterization is higher.Then, function, electronics if user's selection Time delay is transferred accounts
Payment platform will be carried out delay and be transferred accounts based on determining delay duration.
Fig. 3 is the exemplary diagram for the transfer request processing method based on risk identification that this specification embodiment provides.
Following technical effect specifically may be implemented:
1, there is sense of risk without user, electronic payment platform can be identified based on preset risk of fraud identification model
There is the transfer request of risk of fraud out, and indicating risk is carried out to user, guidance user carries out delay and transfers accounts.This to user and
Say that safety is higher.
2, for the money transfer transactions of different degrees of risk, it is proposed that user select different delay durations carry out delay transfer accounts.
With risk of fraud and the higher money transfer transactions of risk of fraud, corresponding delay duration it is longer;With risk of fraud and fraud wind
The lower money transfer transactions in danger, corresponding delay duration are shorter.In this way, can accelerate as far as possible under the premise of clear risk of fraud
It transfers accounts progress.
3, embodiment is illustrated by this, (electronic payment platform is bright within the scope of the duration that electronic payment platform provides by user
Under the premise of true risk of fraud degree), specify delay duration, perception of the user to risk also can be enhanced in this, strengthen user into
Safety experience when row is transferred accounts.
Based on the transfer request processing method shown in FIG. 1 based on risk identification, this specification embodiment is also corresponding to be provided
A kind of transfer request processing unit based on risk identification, as shown in Figure 4, comprising:
Receiving module 401 receives Client-initiated transfer request;
Risk identification module 402 is based on preset risk of fraud identification model, carries out risk knowledge for the transfer request
Not;
Cue module 403 prompts user's Time delay to transfer accounts function if recognition result characterization has risk of fraud
Energy;
Delay duration determining module 404, if recognition result characterization has risk of fraud, according to the recognition result, really
Determine delay duration;Wherein, the delay duration is longer, shows that the risk of fraud of the recognition result characterization is higher;
Execution module 405, however, it is determined that the delay function of transferring accounts is triggered, then is based on the delay duration, is delayed
It transfers accounts.
The delay duration determining module 404, according to the recognition result, from preset at least two risk class really
The corresponding risk class of the recognition result is determined, as target risk grade;Wherein, the target risk higher grade, shows
The risk of fraud of the recognition result characterization is higher;According to the target risk grade, delay duration is determined;Wherein, described to prolong
Shi Shichang is longer, shows that the target risk higher grade.
For preset each risk class, the corresponding duration section of the risk class is preset;For any two risk
The left end point value of grade, duration section corresponding to higher risk class is greater than duration area corresponding to lower risk class
Between right end point value;
The delay duration determining module 404 determines that the target risk grade is corresponding according to the target risk grade
Duration section, as target duration section;Based on target duration section, delay duration is determined.
Target duration section is showed the user by the cue module 403, to prompt the user to be based on institute
It states target duration section and specifies delay duration;
The execution module 405, however, it is determined that get the delay duration that the user specifies, it is determined that the delay is transferred accounts
Function is triggered.
The delay duration determining module 404, when obtaining the delay that the user is specified based on target duration section
It is long.
The delay duration determining module 404, however, it is determined that the delay function of transferring accounts is triggered, then according to identification knot
Fruit determines delay duration.
This specification embodiment also provides a kind of computer equipment, includes at least memory, processor and is stored in
On reservoir and the computer program that can run on a processor, wherein processor realizes side shown in FIG. 1 when executing described program
Method.
Fig. 5 shows one kind provided by this specification embodiment and more specifically calculates device hardware structural schematic diagram,
The equipment may include: processor 1010, memory 1020, input/output interface 1030, communication interface 1040 and bus
1050.Wherein processor 1010, memory 1020, input/output interface 1030 and communication interface 1040 are real by bus 1050
The now communication connection inside equipment each other.
Processor 1010 can use general CPU (Central Processing Unit, central processing unit), micro- place
Reason device, application specific integrated circuit (Application Specific Integrated Circuit, ASIC) or one
Or the modes such as multiple integrated circuits are realized, for executing relative program, to realize technical side provided by this specification embodiment
Case.
Memory 1020 can use ROM (Read Only Memory, read-only memory), RAM (Random Access
Memory, random access memory), static storage device, the forms such as dynamic memory realize.Memory 1020 can store
Operating system and other applications are realizing technical solution provided by this specification embodiment by software or firmware
When, relevant program code is stored in memory 1020, and execution is called by processor 1010.
Input/output interface 1030 is for connecting input/output module, to realize information input and output.Input and output/
Module can be used as component Configuration (not shown) in a device, can also be external in equipment to provide corresponding function.Wherein
Input equipment may include keyboard, mouse, touch screen, microphone, various kinds of sensors etc., output equipment may include display,
Loudspeaker, vibrator, indicator light etc..
Communication interface 1040 is used for connection communication module (not shown), to realize the communication of this equipment and other equipment
Interaction.Wherein communication module can be realized by wired mode (such as USB, cable etc.) and be communicated, can also be wirelessly
(such as mobile network, WIFI, bluetooth etc.) realizes communication.
Bus 1050 include an access, equipment various components (such as processor 1010, memory 1020, input/it is defeated
Outgoing interface 1030 and communication interface 1040) between transmit information.
It should be noted that although above equipment illustrates only processor 1010, memory 1020, input/output interface
1030, communication interface 1040 and bus 1050, but in the specific implementation process, which can also include realizing normal fortune
Other assemblies necessary to row.In addition, it will be appreciated by those skilled in the art that, it can also be only comprising real in above equipment
Component necessary to existing this specification example scheme, without including all components shown in figure.
This specification embodiment also provides a kind of computer readable storage medium, is stored thereon with computer program, the journey
Method shown in FIG. 1 is realized when sequence is executed by processor.
Computer-readable medium includes permanent and non-permanent, removable and non-removable media can be by any method
Or technology come realize information store.Information can be computer readable instructions, data structure, the module of program or other data.
The example of the storage medium of computer includes, but are not limited to phase change memory (PRAM), static random access memory (SRAM), moves
State random access memory (DRAM), other kinds of random access memory (RAM), read-only memory (ROM), electric erasable
Programmable read only memory (EEPROM), flash memory or other memory techniques, read-only disc read only memory (CD-ROM) (CD-ROM),
Digital versatile disc (DVD) or other optical storage, magnetic cassettes, tape magnetic disk storage or other magnetic storage devices
Or any other non-transmission medium, can be used for storage can be accessed by a computing device information.As defined in this article, it calculates
Machine readable medium does not include temporary computer readable media (transitory media), such as the data-signal and carrier wave of modulation.
As seen through the above description of the embodiments, those skilled in the art can be understood that this specification
Embodiment can be realized by means of software and necessary general hardware platform.Based on this understanding, this specification is implemented
Substantially the part that contributes to existing technology can be embodied in the form of software products the technical solution of example in other words,
The computer software product can store in storage medium, such as ROM/RAM, magnetic disk, CD, including some instructions are to make
It is each to obtain computer equipment (can be personal computer, server or the network equipment etc.) execution this specification embodiment
Method described in certain parts of a embodiment or embodiment.
System, method, module or the unit that above-described embodiment illustrates can specifically realize by computer chip or entity,
Or it is realized by the product with certain function.A kind of typically to realize that equipment is computer, the concrete form of computer can
To be personal computer, laptop computer, cellular phone, camera phone, smart phone, personal digital assistant, media play
In device, navigation equipment, E-mail receiver/send equipment, game console, tablet computer, wearable device or these equipment
The combination of any several equipment.
All the embodiments in this specification are described in a progressive manner, same and similar portion between each embodiment
Dividing may refer to each other, and each embodiment focuses on the differences from other embodiments.Especially for method reality
For applying example, since it is substantially similar to the method embodiment, so describing fairly simple, related place is referring to embodiment of the method
Part explanation.Embodiment of the method described above is only schematical, wherein described be used as separate part description
Module may or may not be physically separated, can be each module when implementing this specification example scheme
Function realize in the same or multiple software and or hardware.Can also select according to the actual needs part therein or
Person's whole module achieves the purpose of the solution of this embodiment.Those of ordinary skill in the art are not the case where making the creative labor
Under, it can it understands and implements.
The above is only the specific embodiment of this specification embodiment, it is noted that for the general of the art
For logical technical staff, under the premise of not departing from this specification embodiment principle, several improvements and modifications can also be made, this
A little improvements and modifications also should be regarded as the protection scope of this specification embodiment.