CN110175914A - Network trading handles method and device - Google Patents
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Abstract
This application involves a kind of network tradings to handle method and device.The described method includes: obtaining the element of transaction of network trading, scores the credit rating of the element of transaction, obtain element credit scoring value；According to the element credit scoring value, the synthesis credit scoring value of the network trading is determined；When the comprehensive credit scoring value is not less than preset credit threshold, operation is let off to network trading execution.The probability that arm's length dealing is accidentally blocked by risk system can be greatly decreased using this method, effectively reduce and manslaughter.
Description
Technical field
The invention belongs to big data technical fields, and in particular to a kind of network trading processing method and device.
Background technique
With the fast development that internet is done shopping, Third-party payment platform shoots up and grows, high having cultivated part
While the client of the high loyalty of quality, also there are more and more offenders to keep a close watch on Third-party payment platform, utilize platform one
A little loopholes are sought loopholes, and platform account is stolen, and steal platform user fund etc., are implemented fraudulent trading, are brought to client very big
Loss.
Although Third-party payment platform availability risk intercepting system can effectively intercept abnormal transaction protection client's lawful propety
Safety, but inevitably part arm's length dealing can also be stopped while intercepting fraud, it is high to affect part high value
The user experience of loyalty.To reduce the intercepted probability of arm's length dealing, user experience is improved, so to design one to network
Whether transaction carries out the network trading processing method of analysis measurement, normal to judge the transaction from entirety, and then lets off low-risk
User improves user experience.
Summary of the invention
To solve problem of the prior art, the present invention provides a kind of network trading processing method and device, can substantially subtract
The probability that few arm's length dealing is accidentally blocked by risk system, reduction bother rate to user, effectively reduce and manslaughter, and it is accurate to promote air control
Rate to promote user experience, and then promotes platform to the attraction of user.
Technical solution of the present invention:
A kind of network trading processing method, comprising:
The element of transaction for obtaining network trading, scores to the credit rating of element of transaction, obtains element credit scoring
Value；
According to element credit scoring value, the synthesis credit scoring value of network trading is determined；
When comprehensive credit scoring value is not less than preset credit threshold, operation is let off to network trading execution.
Further, when comprehensive credit scoring value is less than preset credit threshold, interception is executed to network trading
Operation.
Further, the element of transaction for obtaining network trading scores to the credit rating of element of transaction, obtains element letter
Expenditure score value, comprising: obtain the associated data origin information of network trading, element of transaction is extracted from data origin information.
Further, according to element credit scoring value, determine that the synthesis credit scoring value of network trading includes:
With analytic hierarchy process (AHP), the weighted value of each element of transaction is calculated；
The weighted value of element of transaction and credit scoring value are weighted summation, obtain the synthesis credit rating of network trading
Score value.
Further, method further include: determine type of service, acquire and store sample data, establish score data library；
Further, it scores the credit rating of element of transaction, obtains element credit scoring value, comprising: according to commenting
Divided data library scores to the credit rating of element of transaction, obtains element credit scoring value.In specific implementation, transaction can be set
The scoring range of element credit rating is 10-50 points, and the credit scoring of the element of transaction of missing is set as 25 points.
Whether analytic hierarchy process (AHP) is arm's length dealing as decision-making level to trade, and each element of transaction is rule layer, current business class
Whole transaction under type are solution layer；
Wherein, element of transaction is selected according to type of service, as shown in table 1, to the importance between each particular transaction element
Scale carries out quantization marking to degree in proportion, according to quantization marking result Judgement Matricies A:
The proportion quotiety of 1. element of transaction importance degree of table quantifies marking
| Element of transaction i is than element of transaction j | Quantized value |
| It is of equal importance | 1 |
| It is slightly important | 3 |
| It is relatively strong important | 5 |
| It is strong important | 7 |
| It is extremely important | 9 |
| The median of two adjacent judgements | 2,4,6,8 |
Judgment matrix:
Wherein a11=a22=...=ann=1；aij=1/aji；N is the item number of element of transaction；It is obtained according to judgment matrix A
The corresponding weight of element of transaction, includes the following steps:
Each column is normalized: formula is as follows:
Obtain normalized matrix B:
It sums to every row of normalized matrix B, obtains feature vector: [B1 B2…Bn], wherein
Feature vector is normalized, the weighted value of element of transaction is obtained:
W=[W1 W2…Wn],
Wherein:W=[W1 W2…Wn]。
Then the corresponding credit scoring value of the weighted value of element of transaction is weighted summation, transaction can be obtained
Synthesis credit scoring value.
Type of service is type of service belonging to transaction to be evaluated, by the abnormal Transaction Information in type of service and normally friendship
Easy information is used as sample data after summarizing, and establishes score data library；Further, abnormal Transaction Information includes type of service system
The interior information for being judged as fraudulent trading and the external fraudulent trading information obtained.
Data source includes: that order details, payment details, shipping address information, the equipment of transaction agent refer to
Line information and registration information.
Element of transaction includes: address, personal contact method, passport NO., bank's card number, IP address, WiFimac, equipment
Number and mailbox；Personal contact method includes phone number and/or base number, and passport NO. includes identification card number and/or passport
Number
The present invention also provides a kind of network tradings to handle device, comprising:
Element of transaction grading module obtains the element of transaction of network trading, scores the credit rating of element of transaction, obtains
To element credit scoring value；
Comprehensive credit rating module, for determining the synthesis credit scoring of network trading according to element credit scoring value
Value；
Trade processing module, the creditable degree threshold value of internal preset are preset for being not less than in comprehensive credit scoring value
When credit threshold, operation is let off to network trading execution.
Trade processing module includes: in one of the embodiments,
Threshold value storage unit, for storing preset credit threshold；
Credit rating comparing unit is compared for that will integrate credit scoring value with credit threshold；
Execution unit is handled, for being executed to network trading when comprehensive credit scoring value is not less than credit threshold
Let off operation；When comprehensive credit scoring value is less than preset credit threshold, network trading is executed and intercepts operation.
A kind of network trading processing device further includes score data library module, score data in one of the embodiments,
Library module includes:
Type of service port, for selecting type of service belonging to network trading, and in the network trading of the type of service
Data connection is established between score data library module；
Sample data acquisition unit, for acquiring the sample data in the affiliated type of service of network trading；
Sample data storage unit, for storing collected sample data；
Sample data includes abnormal Transaction Information in type of service and arm's length dealing information, further, therein different
Normal Transaction Information includes the information for being judged as fraudulent trading and the external fraudulent trading information obtained in type of service system.
Element of transaction obtains in module, and data source includes order details, payment details, shipping address letter
The device-fingerprint information and registration information of breath, transaction agent；Element of transaction includes address, personal contact method, passport NO., silver
Row card number, IP address, WiFimac, device number and mailbox.
A kind of computer equipment can be run on a memory and on a processor including memory, processor and storage
Computer program, processor perform the steps of the element of transaction for obtaining network trading, want to transaction when executing computer program
The credit rating of element scores, and obtains element credit scoring value；According to element credit scoring value, the comprehensive of network trading is determined
Close credit scoring value；When comprehensive credit scoring value is not less than preset credit threshold, network trading execution is let off
Operation.
A kind of computer readable storage medium is stored thereon with computer program, when computer program is executed by processor
The element of transaction for obtaining network trading is performed the steps of, scores the credit rating of element of transaction, obtains element credit rating
Score value；According to element credit scoring value, the synthesis credit scoring value of network trading is determined；In comprehensive credit scoring value
When not less than preset credit threshold, operation is let off to network trading execution.
Compared with prior art, the beneficial effects of the present invention are:
(1) comprehensively consider multiple element of transaction when network trading occurs, network trading is obtained by analytic hierarchy process (AHP)
Comprehensive credit scoring reduces and kills risk using the single credible possible leakage of key element condition, improves the standard that risk intercepts
True property, the mistake for helping to reduce arm's length dealing intercept, and the use of normal users is bothered in reduction, improves user experience, and drop
The workload of low-risk auditor；
(2) transaction of different service types has different characteristics, and the technical program treats different service types with a certain discrimination
Risk assessment selects element of transaction in conjunction with business experience, can realize for the transaction of different service types and customize risk control
System.
Detailed description of the invention
To describe the technical solutions in the embodiments of the present invention more clearly, make required in being described below to embodiment
Attached drawing is briefly described, it should be apparent that, drawings discussed below only when some embodiments of the present invention, for this
For the technical staff of field, without creative efforts, it is also possible to obtain other drawings based on these drawings.
Fig. 1 is a kind of flow diagram of network trading processing method in the present invention.
Fig. 2 is the layered structure schematic diagram of one middle layer fractional analysis of embodiment.
Fig. 3 is a kind of structural block diagram of network trading processing device in the present invention.
Specific embodiment
To make the object, technical solutions and advantages of the present invention clearer, below in conjunction with attached in the embodiment of the present invention
Figure, technical scheme in the embodiment of the invention is clearly and completely described, it is clear that described embodiment is only this
Invention a part of the embodiment, rather than whole embodiments.Based on the embodiments of the present invention, those skilled in the art are not doing
Every other embodiment obtained under the premise of creative work out, shall fall within the protection scope of the present invention.
Embodiment one: as shown in Figure 1, the present embodiment provides a kind of network tradings to handle method, comprising:
Step 101: obtaining the element of transaction of network trading, score the credit rating of element of transaction, obtain element letter
Expenditure score value；
Step 102: according to element credit scoring value, determining the synthesis credit scoring value of network trading；
Step 103: when comprehensive credit scoring value is not less than preset credit threshold, network trading execution being let off
Operation.When comprehensive credit scoring value is less than preset credit threshold, network trading is executed and intercepts operation.
The element of transaction for obtaining network trading in one of the embodiments, scores to the credit rating of element of transaction,
Obtain element credit scoring value, comprising: obtain the associated data origin information of network trading, extract from data origin information
Element of transaction.
In one of the embodiments, according to element credit scoring value, the synthesis credit scoring of network trading is determined
Value includes:
With analytic hierarchy process (AHP), the weighted value of each element of transaction is calculated；
The weighted value of element of transaction and credit scoring value are weighted summation, obtain the synthesis credit rating of network trading
Score value.
Method in one of the embodiments, further include: determine type of service, acquire and store sample data, foundation is commented
Divided data library；
It scores in one of the embodiments, the credit rating of element of transaction, obtains element credit scoring value, wrap
It includes: being scored according to credit rating of the score data library to element of transaction, obtain element credit scoring value.In specific implementation,
The scoring range of element of transaction credit rating can be set as 10-50 points, the credit scoring of the element of transaction of missing is set as 25 points.
With the development of big data technology, occur that more element of transaction can be obtained simultaneously in transaction, comprising being not limited to body
Part card, cell-phone number, mailbox, device number, the information such as IP address.In the case where obtaining each element confidence level, can face in this way
A problem, in multiple elements in same transaction, one or more elements are credible, and score is higher, and remaining transaction is wanted
The credible score of element is lower, and faced with this situation, which should let off or intercept on earth.If can be complete to what is detected
Portion's element of transaction information is integrated, then can more fully be judged network trading, and then reinforces sentencing top-tier customer
It is disconnected, promote user experience.
It is traded in one of the embodiments, with physical goods class as type of service, establishes the transaction scoring of physical goods class
Database, and choose bank card, IP address, device number, cell-phone number of receiving, account cell-phone number etc. 5 be used as particular transaction elements,
It scores the credit rating of above-mentioned element of transaction；Next, with analytic hierarchy process (AHP), as shown in Fig. 2, whether being positive with transaction
Often transaction is decision-making level, and each element of transaction is rule layer, and whole transaction under present type of service are solution layer；It is passed through in conjunction with business
It tests and establishes judgment matrix with data analysis result,
Judgment matrix:Wherein aij=1/aji；
And then obtain [bank card, IP, device number, cell-phone number of receiving, account cell-phone number] corresponding weight [W1 W2…W5],
The then synthesis credit scoring of the transaction=[bank card, IP, device number, cell-phone number of receiving, account cell-phone number] * [W1 W2 …
W5]T, wherein between comprehensive credit scoring divides in [10,50], handed over according to the history in physical goods class transaction score data library
Easy data refer to table 2, choose credit rating threshold values:
2. physical goods class of table transaction score data library statistical result
Can be seen that by result review table, when credit rating threshold value setting is 26, can by 26 points and above transaction into
Row is let off, and reduced rate 91% is manslaughtered, and it is 0% that rate is killed in leakage, i.e., will not manslaughter arm's length dealing, effect highly significant.
Embodiment two: as shown in figure 3, a kind of network trading handles device, comprising:
Element of transaction grading module obtains the element of transaction of network trading, scores the credit rating of element of transaction, obtains
To element credit scoring value；
Comprehensive credit rating module, for determining the synthesis credit scoring of network trading according to element credit scoring value
Value；
Trade processing module, the creditable degree threshold value of internal preset are preset for being not less than in comprehensive credit scoring value
When credit threshold, operation is let off to network trading execution.
Trade processing module includes: in one of the embodiments,
Threshold value storage unit, for storing preset credit threshold；
Credit rating comparing unit is compared for that will integrate credit scoring value with credit threshold；
Execution unit is handled, for being executed to network trading when comprehensive credit scoring value is not less than credit threshold
Let off operation；When comprehensive credit scoring value is less than preset credit threshold, network trading is executed and intercepts operation.
A kind of network trading processing device further includes score data library module, score data in one of the embodiments,
Library module includes:
Type of service port, for selecting type of service belonging to network trading, and in the network trading of the type of service
Data connection is established between score data library module；
Sample data acquisition unit, for acquiring the sample data in the affiliated type of service of network trading；
Sample data storage unit, for storing collected sample data；
Sample data includes abnormal Transaction Information and arm's length dealing information in type of service, and abnormal Transaction Information includes industry
The information for being judged as fraudulent trading and the external fraudulent trading information obtained in service type system.Element of transaction obtains module
In, data source includes order details, payment details, shipping address information, the device-fingerprint information of transaction agent
And registration information；Element of transaction includes address, personal contact method, passport NO., bank's card number, IP address, WiFimac, sets
Standby number and mailbox.
Specific about network trading processing device limits the limit that may refer to that method is handled above for network trading
Fixed, details are not described herein.Modules in above-mentioned network trading processing device can fully or partially through software, hardware and its
Combination is to realize.Above-mentioned each module can be embedded in the form of hardware or independently of in the processor in computer equipment, can also be with
It is stored in the memory in computer equipment in a software form, in order to which processor calls the above modules of execution corresponding
Operation.
In one embodiment, a kind of computer equipment is provided, which can be terminal.The computer is set
Standby includes processor, memory, network interface, display screen and the input unit connected by system bus.Wherein, the computer
The processor of equipment is for providing calculating and control ability.The memory of the computer equipment include non-volatile memory medium,
Built-in storage.The non-volatile memory medium is stored with operating system and computer program.The built-in storage is non-volatile deposits
The operation of operating system and computer program in storage media provides environment.The network interface of the computer equipment is used for and outside
Terminal by network connection communication.To realize a kind of data cleaning method when the computer program is executed by processor.The meter
The display screen for calculating machine equipment can be liquid crystal display or electric ink display screen, and the input unit of the computer equipment can be with
It is the touch layer covered on display screen, is also possible to the key being arranged on computer equipment shell, trace ball or Trackpad, may be used also
To be external keyboard, Trackpad or mouse etc..
In one embodiment, a kind of computer equipment is provided, including memory, processor and storage are on a memory
And the computer program that can be run on a processor, processor performs the steps of when executing computer program obtains network friendship
Easy element of transaction scores to the credit rating of element of transaction, obtains element credit scoring value；It is commented according to element credit rating
Score value determines the synthesis credit scoring value of network trading；It is not less than preset credit threshold in comprehensive credit scoring value
When, operation is let off to network trading execution.
In one embodiment, it is also performed the steps of when processor executes computer program in comprehensive credit scoring
When value is less than preset credit threshold, which is executed and intercepts operation.
In one embodiment, it is also performed the steps of when processor executes computer program and obtains network trading association
Data origin information, element of transaction is extracted from data origin information.
In one embodiment, it is also performed the steps of when processor executes computer program with analytic hierarchy process (AHP), meter
Calculation obtains the weighted value of each element of transaction；The weighted value of element of transaction and credit scoring value are weighted summation, are somebody's turn to do
The synthesis credit scoring value of network trading.
In one embodiment, a kind of computer readable storage medium is provided, computer program is stored thereon with, is calculated
Machine program performs the steps of the element of transaction for obtaining network trading when being executed by processor, to the credit rating of the element of transaction
It scores, obtains element credit scoring value；According to the element credit scoring value, the synthesis credit rating of network trading is determined
Score value；When comprehensive credit scoring value is not less than preset credit threshold, operation is let off to network trading execution.
In one embodiment, it performs the steps of when computer program is executed by processor and is commented in its synthesis credit rating
When score value is less than preset credit threshold, which is executed and intercepts operation.
In one embodiment, it is performed the steps of when computer program is executed by processor and obtains network trading association
Data origin information, extract element of transaction from the data origin information.
In one embodiment, it is performed the steps of when computer program is executed by processor with analytic hierarchy process (AHP), meter
Calculation obtains the weighted value of each element of transaction；The weighted value of element of transaction and credit scoring value are weighted summation, obtain net
The synthesis credit scoring value of network transaction.
Those of ordinary skill in the art will appreciate that realizing all or part of the process in above-described embodiment method, being can be with
Relevant hardware is instructed to complete by computer program, the computer program can be stored in a non-volatile computer
In read/write memory medium, the computer program is when being executed, it may include such as the process of the embodiment of above-mentioned each method.Wherein,
To any reference of memory, storage, database or other media used in each embodiment provided herein,
Including non-volatile and/or volatile memory.Nonvolatile memory may include read-only memory (ROM), programming ROM
(PROM), electrically programmable ROM (EPROM), electrically erasable ROM (EEPROM) or flash memory.Volatile memory may include
Random access memory (RAM) or external cache.By way of illustration and not limitation, RAM is available in many forms,
Such as static state RAM (SRAM), dynamic ram (DRAM), synchronous dram (SDRAM), double data rate sdram (DDRSDRAM), enhancing
Type SDRAM (ESDRAM), synchronization link (SynchLink) DRAM (SLDRAM), memory bus (Rambus) direct RAM
(RDRAM), direct memory bus dynamic ram (DRDRAM) and memory bus dynamic ram (RDRAM) etc..
Each technical characteristic of above embodiments can be combined arbitrarily, for simplicity of description, not to above-described embodiment
In each technical characteristic it is all possible combination be all described, as long as however, the combination of these technical characteristics be not present lance
Shield all should be considered as described in this specification.
Above embodiments only express the several embodiments of the application, and the description thereof is more specific and detailed, but can not
Therefore it is construed as limiting the scope of the patent.It should be pointed out that for those of ordinary skill in the art,
Under the premise of not departing from the application design, various modifications and improvements can be made, these belong to the protection scope of the application.
Therefore, the scope of protection shall be subject to the appended claims for the application patent.
Claims (10)
1. a kind of network trading handles method characterized by comprising
The element of transaction for obtaining network trading, scores to the credit rating of the element of transaction, obtains element credit scoring
Value；
According to the element credit scoring value, the synthesis credit scoring value of the network trading is determined；
When the comprehensive credit scoring value is not less than preset credit threshold, behaviour is let off to network trading execution
Make.
2. the method according to claim 1, wherein being less than preset credit in the comprehensive credit scoring value
When spending threshold value, the network trading is executed and intercepts operation.
3. the method according to claim 1, wherein it is described obtain network trading element of transaction, to the friendship
The credit rating of easy element scores, and obtains element credit scoring value, comprising: obtains the associated data of the network trading
Source information extracts the element of transaction from the data origin information.
4. according to the method described in claim 2, determining institute it is characterized in that, described according to the element credit scoring value
The synthesis credit scoring value for stating network trading includes:
With analytic hierarchy process (AHP), the weighted value of each element of transaction is calculated；
The weighted value of element of transaction and credit scoring value are weighted summation, obtain the synthesis credit rating of the network trading
Score value.
5. the method according to claim 1, wherein the method also includes: determine type of service, acquire and deposit
Sample storage notebook data establishes score data library；
The credit rating to the element of transaction scores, and obtains element credit scoring value, comprising: according to the scoring
Database scores to the credit rating of the element of transaction, obtains element credit scoring value.
6. according to the method described in claim 4, it is characterized in that, whether the analytic hierarchy process (AHP) to trade is that arm's length dealing is
Decision-making level, each element of transaction are rule layer, and whole transaction under present type of service are solution layer；
Wherein, the element of transaction is selected according to type of service, in conjunction with business experience to the importance journey between each element of transaction
Scale carries out quantization marking to degree in proportion, according to quantization marking result Judgement Matricies；According to the judgment matrix, institute is determined
State the corresponding weighted value of element of transaction.
7. according to the method described in claim 6, determining that the transaction is wanted it is characterized in that, described according to the judgment matrix
The corresponding weighted value of element includes: that each column of the judgment matrix is normalized, and normalized matrix is obtained, to institute
The every row for stating normalized matrix is summed, and feature vector is obtained；Feature vector is normalized, is obtained described
The weighted value of element of transaction.
8. a kind of network trading handles device characterized by comprising
Element of transaction grading module obtains the element of transaction of network trading, scores the credit rating of the element of transaction, obtains
To element credit scoring value；
Comprehensive credit rating module, for determining the synthesis credit rating of the network trading according to the element credit scoring value
Score value；
Trade processing module, the creditable degree threshold value of internal preset are preset for being not less than in the comprehensive credit scoring value
When credit threshold, operation is let off to network trading execution.
9. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor
Calculation machine program, which is characterized in that the processor realizes any one of claims 1 to 7 institute when executing the computer program
The step of stating method.
10. a kind of computer readable storage medium, is stored thereon with computer program, which is characterized in that the computer program
The step of method described in any one of claims 1 to 7 is realized when being executed by processor.
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| CN201910308549.XA CN110175914A (en) | 2019-04-17 | 2019-04-17 | Network trading handles method and device |
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| CN201910308549.XA CN110175914A (en) | 2019-04-17 | 2019-04-17 | Network trading handles method and device |
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