CN111292085B - Method, device, equipment and computer readable storage medium for evaluating transaction risk - Google Patents
Method, device, equipment and computer readable storage medium for evaluating transaction risk Download PDFInfo
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Abstract
The invention provides a method, a device, equipment and a computer readable storage medium for evaluating transaction risk, wherein the method comprises the following steps: if the fact that the user equipment submits the current network order is monitored, transaction safety related data before the current network order of the user is paid and transaction safety related data when the previous network order of the user is paid are obtained; according to transaction safety related data before payment of a current network order of a user, transaction safety related data and a preset transaction risk score model when the user pays the previous network order calculate transaction risk scores when the current network order pays, whether payment of the current network order is carried out or not is determined according to the transaction risk scores when the current network order pays, calculation of the transaction risk scores can be carried out when the user terminal submits the network order, evaluation of transaction risk is carried out in advance, asynchronism of network order payment and transaction risk evaluation is achieved, and accordingly efficiency of transaction risk evaluation is greatly improved.
Description
Technical Field
The embodiment of the invention relates to the technical field of big data processing, in particular to a method, a device, equipment and a computer readable storage medium for transaction risk assessment.
Background
With the continuous development of the internet and the continuous progress of economy, the daily services provided for people have been shifted from off-line to on-line. People make shopping, taxi taking, car washing, meal ordering, employment of hours and the like through network software. In conducting these online activities, one needs to submit a network order and make a network payment before or after the corresponding service is completed.
To maintain consumer interest, network software may evaluate and control transaction risk prior to the consumer making a network payment. The transaction risk control is to judge whether the account number of the network software of the consumer is stolen or not, and if the account number is stolen, the damage stopping behavior is performed in time.
The existing transaction risk assessment method is that data are obtained in real time and calculated in real time when consumers pay network, but because the popular network software generates PB-level massive data every day and a large number of users visit the network software concurrently every day, the existing transaction risk assessment method needs to visit a large number of data in real time and calculate a large number of data in real time when each consumer pays network, and further the efficiency of transaction risk assessment is low.
Disclosure of Invention
The embodiment of the invention provides a method, a device, equipment and a computer readable storage medium for evaluating transaction risk, which solve the technical problems that the conventional method for evaluating transaction risk needs to access a large amount of data in real time and calculate a large amount of data in real time when each consumer performs network payment, thereby causing lower efficiency of evaluating transaction risk.
In a first aspect, an embodiment of the present invention provides a method for evaluating transaction risk, including:
if the fact that the user equipment submits the current network order is monitored, transaction safety related data before the current network order of the user is paid and transaction safety related data when the previous network order of the user is paid are obtained;
calculating transaction risk scores of the current network order payment according to transaction safety related data of the user before the current network order payment, the transaction safety related data of the user before the network order payment and a preset transaction risk score model;
and determining whether to pay the current network order according to the transaction risk score when the current network order is paid.
In a second aspect, an embodiment of the present invention provides an apparatus for transaction risk assessment, including:
The data acquisition unit is used for acquiring transaction safety related data before the payment of the current network order of the user and transaction safety related data when the payment of the previous network order of the user if the current network order submitted by the user equipment is monitored;
and the grading calculation unit is used for calculating the transaction risk grading of the current network order according to the transaction safety related data of the user before the current network order is paid, the transaction safety related data of the user before the network order is paid and a preset transaction risk grading model.
And the payment determining unit is used for determining whether to pay the current network order according to the transaction risk score when the current network order is paid.
In a third aspect, an embodiment of the present invention provides a network side device, a memory, a processor, and a computer program;
wherein the computer program is stored in the memory and configured to be executed by the processor to implement the method as described in the first aspect above.
In a fourth aspect, embodiments of the present invention provide a computer readable storage medium having stored thereon a computer program for execution by a processor to implement the method as described in the first aspect above.
The embodiment of the invention provides a method, a device, equipment and a computer readable storage medium for evaluating transaction risk, wherein if a user equipment is monitored to submit a current network order, transaction safety related data before payment of the current network order of a user and transaction safety related data during payment of the previous network order of the user are obtained; according to transaction safety related data before payment of a current network order of a user, transaction safety related data and a preset transaction risk score model of the user during payment of the previous network order calculate transaction risk scores of the current network order, and whether payment of the current network order is carried out or not is determined according to the transaction risk scores of the current network order. The method and the system can calculate the transaction risk score when the user terminal submits the network order, so that the evaluation of the transaction risk is performed in advance, and the asynchronism of the network order payment and the transaction risk evaluation is realized, thereby greatly improving the efficiency of the transaction risk evaluation.
It should be understood that the description of the invention above is not intended to limit key or critical features of embodiments of the invention, nor to limit the scope of the invention. Other features of the present invention will become apparent from the description that follows.
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In order to more clearly illustrate the embodiments of the present invention or the technical solutions of the prior art, the drawings that are needed in the embodiments or the description of the prior art will be briefly described below, it will be obvious that the drawings in the following description are some embodiments of the present invention, and that other drawings can be obtained according to these drawings without inventive effort to a person skilled in the art.
FIG. 1 is an application scenario diagram of a transaction risk assessment method according to an embodiment of the present invention;
FIG. 2 is a flowchart of a method for transaction risk assessment according to an embodiment of the present invention;
FIG. 3 is a flowchart of a transaction risk assessment method according to a second embodiment of the present invention;
FIG. 4 is a schematic structural diagram of a transaction risk assessment device according to a third embodiment of the present invention;
FIG. 5 is a schematic diagram illustrating a transaction risk assessment apparatus according to a fourth embodiment of the present invention;
fig. 6 is a schematic structural diagram of a network side device according to a fifth embodiment of the present invention.
Detailed Description
Embodiments of the present invention will be described in more detail below with reference to the accompanying drawings. While the invention is susceptible of embodiment in the drawings, it is to be understood that the invention may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided to provide a more thorough and complete understanding of the invention. It should be understood that the drawings and embodiments of the invention are for illustration purposes only and are not intended to limit the scope of the present invention.
The terms first, second, third, fourth and the like in the description and in the claims and in the above-described figures, if any, are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the invention described herein may be capable of being practiced otherwise than as specifically illustrated and described. Furthermore, the terms "comprises," "comprising," and "having," and any variations thereof, are intended to cover a non-exclusive inclusion, such that a process, method, system, article, or apparatus that comprises a list of steps or elements is not necessarily limited to those steps or elements expressly listed but may include other steps or elements not expressly listed or inherent to such process, method, article, or apparatus.
In order to clearly understand the technical solutions of the present application, the terms referred to in the present application are explained below.
Network software: the network software related to the embodiment of the invention is the network software for buying and selling the service or the goods online and paying online after consuming the service or receiving the goods. Such as shopping software, taxi taking software, car washing software, moving software, meal ordering software, hiring hour work software, etc.
Network order: the network software is adopted to take orders of car taking, car washing, moving, meal ordering, hiring hours and the like. The information included in the order is: information on purchased services or items, purchaser information, purchase time, etc.
Status event of network order: refers to the corresponding event when the status of the network order changes from submitted to pre-paid. Depending on the type of network order, the status events for each type of network order may also be different. For taxi taking software, the corresponding state events of the network order include: the passengers submit the order taking event, the passengers get on the bus event, the passengers get off the bus event, the drivers finish the passenger carrying event, and the passengers pay for the event online. For shopping software, the corresponding network order status event includes: consumers submit shopping order events, shipping events, receiving events, and goods online payment events.
Fig. 1 is an application scenario diagram of a transaction risk assessment method according to an embodiment of the present invention, where as shown in fig. 1, in the transaction risk assessment method according to the embodiment, when a user performs operations such as shopping, taxi taking, car washing, meal ordering, hiring an hour, etc. through network software, a network order is submitted by clicking a button for submitting the network order. If the user equipment is monitored to submit the current network order, the transaction risk assessment method of the embodiment of the invention is carried out. Specifically, if the fact that the user equipment submits the current network order is monitored, transaction safety related data before payment of the current network order of the user and transaction safety related data during payment of the previous network order of the user are obtained; calculating transaction risk scores in the current network order payment according to transaction safety related data before the current network order payment of the user, the transaction safety related data in the previous network order payment of the user and a preset transaction risk score model; and determining whether to pay the current network order according to the transaction risk score when the current network order is paid. When the user clicks the button of 'immediate payment', the user can not pay and sends a risk prompt to the user. If the transaction risk score in the current network order payment process determines that the current network order payment can be performed, the payment can be performed when the user clicks the "immediate payment" button. The transaction risk assessment method provided by the embodiment of the invention can calculate the transaction risk score when the user terminal submits the network order, so that the assessment of the transaction risk is carried out in advance, and the asynchronization of the network order payment and the transaction risk assessment is realized, thereby greatly improving the efficiency of the transaction risk assessment.
The method, the device, the network side equipment and the computer readable storage medium for evaluating transaction risk provided by the invention are described below by way of embodiments.
Example 1
Fig. 2 is a flowchart of a method for evaluating transaction risk according to an embodiment of the present invention, as shown in fig. 2, where the executing body of the embodiment is a device for evaluating transaction risk, and the device for evaluating transaction risk may be integrated on a network side device, and the network side device may be a computer, a server or other devices with independent computing and processing capabilities.
Step 101, if it is monitored that the user equipment submits the current network order, transaction safety related data before payment of the current network order of the user and transaction safety related data during payment of the previous network order of the user are obtained.
Specifically, in this embodiment, whether the user terminal submits the current network order is monitored in real time, and if it is monitored that the user terminal submits the current network order, transaction security related data before payment of the current network order of the user and transaction security related data when payment of the previous network order of the user are obtained.
The transaction safety related data are data affecting the payment safety of the network order. The transaction security related data prior to payment of the current network order may include: user equipment network data, user region data and time data before payment of the current network order. Wherein the user equipment network data may include: user equipment code information, user equipment model information, user equipment communication number information, user equipment IP address information, user equipment Wi-Fi information and the like. The user zone data of the network order may include: user POI information, city information where the user is located, and the like. Similarly, transaction security related data at the time of the previous network order payment may include: user equipment network data, user zone data and time data at the time of payment of the previous network order.
In this embodiment, since the submitting network order is submitted by the user through the user terminal, the method for acquiring the transaction security related data before the payment of the current network order of the user may be: user equipment network data, user region data and time data in a user terminal where network software is located are collected.
In this embodiment, the method for acquiring transaction security related data during the payment of the previous network order of the user may be: and collecting user equipment network data, user region data and time data in the user terminal when the user pays for the previous network order. And storing and identifying the transaction safety data, and finally acquiring transaction safety related data when the user pays for the previous network order according to the identification information.
It may be appreciated that, in this embodiment, the transaction security related data before the current network order payment of the user is obtained may be the current network order transaction security related data when any one of the status events occurs before the network order payment status event occurs. And if the taxi taking software is used for obtaining transaction safety related data when the current network order is submitted, or obtaining transaction safety related data when the current network order passenger gets on the taxi, or obtaining transaction safety related data when the current network order passenger gets off the taxi.
Step 102, calculating a transaction risk score when the current network order is paid according to the transaction safety related data before the payment of the current network order of the user, the transaction safety related data when the payment of the previous network order of the user and a preset transaction risk score model.
Specifically, in this embodiment, according to the transaction security related data before the payment of the current network order of the user, the transaction security related data and the preset transaction risk score model when the payment of the previous network order of the user is performed, the calculation of the transaction risk score when the payment of the current network order is performed may be: comparing the transaction safety related data before the current network order payment of the user with the transaction safety related data when the corresponding previous network order payment is performed, determining the score corresponding to each transaction safety related data in the current network order according to the comparison result, and inputting the score into a preset transaction risk score model for weighted summation calculation so as to obtain the transaction risk score when the current network order payment is performed.
Or in this embodiment, according to the transaction security related data before the payment of the current network order of the user, the transaction security related data and the preset transaction risk score model when the payment of the previous network order of the user calculate the transaction risk score when the payment of the current network order may be: comparing the transaction security related data before the payment of the current network order of the user with the transaction security related data corresponding to the historical network order of the user, determining the transaction risk score of each transaction security related data before the payment of the current network order of the user according to the comparison result, and carrying out weighted summation calculation on the transaction risk score of each transaction security related data before the payment of the current network order of the user to obtain a first transaction risk score; and comparing the transaction security related data of the user in the previous network order payment with the transaction security related data corresponding to the historical network order of the user, determining the transaction risk score of each transaction security related data of the user in the previous network order payment according to the comparison result, carrying out weighted summation calculation on the transaction risk score of each transaction security related data of the user in the previous network order payment to obtain a second transaction risk score, inputting the first transaction risk score and the second transaction risk score into a preset transaction risk score model, and calculating the transaction risk score of the current network order payment.
It can be understood that in this embodiment, the method for calculating the transaction risk score when the current network order is paid according to the transaction security related data before the current network order is paid by the user, the transaction security related data when the previous network order is paid by the user, and the preset transaction risk score model may be other methods, which are not limited in this embodiment.
Step 103, determining whether to pay the current network order according to the transaction risk score when the current network order is paid.
Specifically, in this embodiment, after calculating the transaction risk score when the current network order is paid, the transaction risk score when the current network order is paid may be determined according to the preset risk score range, and whether to pay the current network order is determined according to the transaction risk score when the current network order is paid.
The preset risk level may be classified into a low risk level, a medium risk level and a high risk level.
According to the transaction risk assessment method provided by the embodiment, if the fact that the user equipment submits the current network order is monitored, transaction safety related data before payment of the current network order of the user and transaction safety related data during payment of the previous network order of the user are obtained; according to transaction safety related data before payment of the current network order of the user, transaction safety related data and a preset transaction risk score model of the user during payment of the previous network order calculate transaction risk scores of the current network order, and whether payment of the current network order is carried out or not is determined according to the transaction risk scores of the current network order. The method and the system can calculate the transaction risk score when the user terminal submits the network order, so that the evaluation of the transaction risk is performed in advance, and the asynchronism of the network order payment and the transaction risk evaluation is realized, thereby greatly improving the efficiency of the transaction risk evaluation.
Example two
Fig. 3 is a flowchart of a transaction risk assessment method according to a second embodiment of the present invention, and as shown in fig. 3, the transaction risk assessment method according to the present embodiment further refines steps 101 to 102 based on the first embodiment of the transaction risk assessment method according to the present invention, and in this embodiment, an application scenario is illustrated as a network driving scenario. The transaction risk assessment method provided in this embodiment includes the following steps.
Step 201, if it is monitored that the user equipment submits the current network order, transaction safety related data before payment of the current network order of the user and transaction safety related data when payment of the previous network order of the user are obtained.
Further, in this embodiment, the transaction security related data of the network order at least includes: user equipment network data of the network order, user zone data of the network order, and time data of the network order.
Wherein the user equipment network data of the network order at least comprises: user equipment code information, user equipment model information, user equipment communication number information, user equipment IP address information and user equipment Wi-Fi information; the user zone data of the network order at least comprises: user POI information and city information where the user is located.
Further, in this embodiment, the transaction security related data before payment of the current network order of the user is obtained as transaction security related data when the current network order of the user is submitted.
Step 202, transaction security related data of a historical network order of a user is obtained.
Further, in this embodiment, the historical network order of the user is a network order within a last preset period of time in which the user has completed the transaction before submitting the current network order. The transaction security related data of the user's historical network order is transaction security related data placed in the user's historical network order.
The most recent preset time period may be about half a year, about one year, or other suitable time period, which is not limited in this embodiment.
Specifically, in this embodiment, when the user historical network order finishes payment, the transaction security related data of the user network order is collected by collecting the user equipment network data, the user region data and the time data of the user terminal, and after the transaction security related data of the historical network order are collected, the transaction security related data of the historical network order can be stored in a database, and when necessary, the transaction security related data of the historical network order of the user is obtained from the stored database.
Step 203, calculating a first transaction risk score according to transaction safety related data before payment of the current network order of the user and transaction safety related data of the historical network order of the user.
Further, in this embodiment, the calculating the first transaction risk score according to the transaction security related data before the payment of the current network order of the user and the transaction security related data of the historical network order of the user specifically includes:
firstly, each item of transaction safety related data before the payment of the current network order of the user is respectively compared with the corresponding transaction safety related data of the historical network order.
And secondly, determining transaction risk scores of each item of transaction safety related data before the current network order payment of the user according to the comparison result.
And thirdly, calculating a first transaction risk score according to the transaction risk score of each item of transaction safety related data before the current network order payment of the user and a preset transaction risk score sub-model.
Preferably, in this embodiment, the calculating the first transaction risk score according to the transaction risk score of each item of transaction security related data before payment of the current network order of the user and the preset transaction risk score sub-model specifically includes:
And inputting the transaction risk score of each item of transaction safety related data before the current network order payment of the user into a preset transaction risk score sub-model for weighted summation calculation so as to obtain a first transaction risk score.
Specifically, in this embodiment, statistics is firstly performed on each item of transaction security related data of a historical network order of a user, the situation of each item of transaction security related data of the user in a latest preset time period is counted, then each item of transaction security related data of the current network order of the user is respectively compared with the corresponding transaction security related data of the historical network order, whether each item of transaction security related data of the current network order before payment meets the corresponding transaction risk condition is judged according to a comparison result, if certain item of transaction security related data meets the corresponding transaction risk condition, the transaction risk score of the item of transaction security related data of the current network order before payment of the user is determined to be a transaction risk hit score, and if certain item of transaction security related data does not meet the corresponding transaction risk condition, the transaction risk score of the item of transaction security related data of the current network order of the user is determined to be a transaction risk miss score. And inputting the scores corresponding to each item of transaction safety related data before the payment of the current network order of the user into a preset transaction risk score sub-model for weighted summation calculation so as to obtain a first transaction risk score.
The information of transaction risk conditions, hit scores, non-hit scores, weights and the like corresponding to each item of transaction safety related data can be represented as shown in table 1.
In the transaction risk condition, the number of the historical common IP addresses, the number of the historical common Wi-Fi numbers and the number of the historical common equipment codes can be 4, the number of the historical common equipment models can be 3, the number of the historical common communication numbers can be 6, and the early morning time period can be in the morning: 0: 00-5:00. The number and time period of the historical transaction security related data may be other values, which are not limited in this embodiment. The score and weight of each transaction safety-related data hit are determined according to statistical learning of a large amount of data, and may be other values, which are not limited in this embodiment.
The preset transaction risk scoring sub-model can be expressed as shown in a formula (1).
Where the value of k is 1 to n, n is the total number of items of transaction security related data to be judged, and in table 1, the value of n is 11.W (W) k For the weight corresponding to the kth transaction safety related data, X k And scoring corresponding to the k transaction safety related data.
In this embodiment, when calculating the first transaction risk score according to the transaction security related data before the payment of the current network order of the user and the transaction security related data of the historical network order of the user, each item of transaction security related data before the payment of the current network order of the user is respectively compared with the transaction security related data of the corresponding historical network order; determining transaction risk scores of each item of transaction safety related data before payment of the current network order of the user according to the comparison result; and calculating a first transaction risk score according to the transaction risk score of each item of transaction safety related data before the payment of the current network order of the user and a preset transaction risk score sub-model, so that the calculated first transaction risk score can be more accurate.
Table 1: transaction risk conditions, scores and weights corresponding to each transaction safety-related data
Step 204, calculating a second transaction risk score according to the transaction security related data of the previous network order payment of the user and the transaction security related data of the historical network order of the user.
Further, in this embodiment, the calculating the second transaction risk score according to the transaction security related data of the previous network order payment of the user and the transaction security related data of the historical network order of the user specifically includes:
Firstly, each item of transaction safety related data of the user when the previous network order is paid is respectively compared with the corresponding transaction safety related data of the historical network order.
And secondly, determining the transaction risk score of each item of transaction safety related data when the previous network order of the user is paid according to the comparison result.
And finally, calculating a second transaction risk score according to the transaction risk score of each item of transaction safety related data when the previous network order of the user is paid and a preset transaction risk score sub-model.
Preferably, in this embodiment, the calculating the second transaction risk score according to the transaction risk score of each item of transaction security related data and the preset transaction risk score sub-model when the user pays the previous network order specifically includes:
and inputting the transaction risk score of each item of transaction safety related data of the user during the previous network order payment into a preset transaction risk score sub-model for weighted summation calculation so as to obtain a second transaction risk score.
Similarly, in this embodiment, statistics is performed on each item of transaction security related data of a historical network order, the situation of each item of transaction security related data of a user in a latest preset time period is counted, then each item of transaction security related data of a previous network order of the user is respectively compared with corresponding transaction security related data of the historical network order, whether each item of transaction security related data of the previous network order payment meets corresponding transaction risk conditions is judged according to comparison results, if certain item of transaction security related data meets the corresponding transaction risk conditions, the transaction risk score of the item of transaction security related data of the previous network order payment of the user is determined to be a transaction risk hit score, and if certain item of transaction security related data does not meet the corresponding transaction risk conditions, the transaction risk score of the item of transaction security related data of the previous network order payment of the user is determined to be a transaction risk miss score. And inputting the scores corresponding to the safety related data of each transaction when the previous network order of the user is paid into a preset transaction risk score sub-model for weighted summation calculation so as to obtain a second transaction risk score.
The information of transaction risk conditions, hit scores, non-hit scores, weights and the like corresponding to each item of transaction safety related data can be represented as shown in table 1. The preset transaction risk scoring sub-model is represented by formula (1), and is not described in detail herein.
In this embodiment, when calculating the second transaction risk score according to the transaction security related data of the previous network order of the user and the transaction security related data of the historical network order of the user, each item of transaction security related data of the previous network order of the user is respectively compared with the transaction security related data of the corresponding historical network order; determining transaction risk scores of each item of transaction safety related data when the previous network order of the user is paid according to the comparison result; and calculating a second transaction risk score according to the transaction risk score of each item of transaction safety related data and a preset transaction risk score sub-model when the previous network order of the user is paid, so that the calculated second transaction risk score can be more accurate.
Step 205, calculating a transaction risk score when the current network order is paid according to the first transaction risk score, the second transaction risk score and a preset transaction risk score model.
Preferably, in this embodiment, the calculating the transaction risk score when the current network order is paid according to the first transaction risk score, the second transaction risk score and the preset transaction risk score model specifically includes:
and inputting the first transaction risk score and the second transaction risk score into a preset transaction risk score model for weighted summation calculation so as to obtain the transaction risk score when the current network order is paid.
The preset transaction risk scoring model may be represented as formula (2).
G(X′ end ,X start )＝F(X′ end )×α+F(X start )×(1-α) (2)
Wherein, the liquid crystal display device comprises a liquid crystal display device,
wherein F (X' end ) For the second transaction risk score, α is the weight corresponding to the second transaction risk score, F (X) start ) And (2) scoring the first transaction risk, wherein (1-alpha) is the weight corresponding to the first transaction risk score. t is t start X is the time of current network order submission start Submitting a score, t ', for the corresponding transaction security related data for the current network order' end Time when payment was made for the previous network order, X' end Scoring transaction safety related data at the time of payment for a previous network order.
Step 206, determining whether to pay the current network order according to the transaction risk score when the current network order is paid.
Specifically, in this embodiment, after calculating the transaction risk score when the current network order is paid, the risk level may be classified according to the transaction risk score when the current network order is paid, and whether to pay the current network order is determined according to the classified risk level.
The method for classifying risk grades according to the transaction risk scores during the current network order payment can be used for setting a grading range of each risk grade, comparing the transaction risk scores during the current network order payment with each grading range, and determining grade information corresponding to the grading range into which the transaction risk scores during the current network order payment fall.
Wherein, determining whether to make the payment of the current network order according to the risk level when the current network order is paid may be: and if the risk level in the current network order payment is a low risk level, performing the payment of the current network order. If the risk level is medium or high when the current network order is paid, determining that the payment of the current network order is not carried out, namely rejecting the payment operation of the user equipment, and sending a prompt message or carrying out telephone confirmation to the user equipment.
Step 207, when each order status event before the current network order payment occurs, it is determined whether each transaction security related data before the current network order payment of the user is updated, if yes, step 208 is executed, otherwise, the process is ended.
In the network taxi taking scene, each order state event before the current network order payment is respectively: the passengers get on the bus event, the passengers get off the bus event, and the driver finishes the passenger carrying event. In this embodiment, when the passenger gets on the bus event before the payment of the current network order, the passenger gets off the bus event, and the driver finishes the passenger carrying event, each item of transaction security related data before the payment of the current network order is obtained again, each item of transaction security related data before the payment of the current network order obtained again is compared with each item of transaction security related data before the payment of the current network order obtained previously, and whether any item or more items of transaction security related data are updated is determined, if yes, step 207 is executed.
Further, in this embodiment, if the data related to the transaction security of one or more items before the payment of the current network order is updated, whether the hit result is the same as the original hit result is determined according to the corresponding transaction risk condition, and whether the first transaction risk score is changed is further determined according to the preset transaction risk score sub-model.
Step 209, updating the transaction risk score at the current network order payment.
Further, in this embodiment, if the first transaction risk score changes, the transaction risk score when the current network order is paid is updated.
According to the transaction risk assessment method provided by the embodiment, if the user equipment is monitored to submit the current network order, transaction safety related data before the current network order payment of the user and transaction safety related data when the previous network order payment of the user are obtained, transaction safety related data of the historical network order of the user is obtained, a first transaction risk score is calculated according to the transaction safety related data before the current network order payment of the user and the transaction safety related data of the historical network order of the user, a second transaction risk score is calculated according to the transaction safety related data when the previous network order payment of the user and the transaction safety related data of the historical network order of the user, the transaction risk score when the current network order payment is calculated according to the first transaction risk score, the second transaction risk score and a preset transaction risk score model are calculated, and whether the current network order payment is carried out or not is determined according to the transaction risk score when the current network order payment is carried out, so that the transaction risk score can be accurately assessed.
According to the transaction risk assessment method provided by the embodiment, after the transaction risk score in the current network order payment is calculated according to the first transaction risk score, the second transaction risk score and the preset transaction risk score model, whether the transaction safety related data of each item of the user before the current network order payment is updated is judged when each order state event before the current network order payment occurs, if so, whether the first transaction risk score is changed is judged, and if so, the transaction risk score in the current network order payment is updated. The final transaction risk score can be more accurate because the transaction risk score is continuously updated.
Example III
Fig. 4 is a schematic structural diagram of a transaction risk assessment device according to a third embodiment of the present invention, and as shown in fig. 4, a transaction risk assessment device 30 according to the present embodiment includes: a data acquisition unit 31 and a score calculation unit 32, a payment determination unit 33.
The data acquiring unit 31 is configured to acquire transaction security related data before payment of a current network order of a user and transaction security related data during payment of a previous network order of the user if it is detected that the user equipment submits the current network order. The score calculating unit 32 is configured to calculate a transaction risk score at the time of payment of the current network order according to the transaction security related data before payment of the current network order of the user, the transaction security related data at the time of payment of the previous network order of the user, and a preset transaction risk score model. A payment determining unit 33, configured to determine whether to make payment of the current network order according to the transaction risk score when the current network order is paid.
The transaction risk assessment device provided in this embodiment may execute the technical solution of the method embodiment shown in fig. 1, and its implementation principle and technical effects are similar, and will not be described herein.
Example IV
Fig. 5 is a schematic structural diagram of a transaction risk assessment device according to a fourth embodiment of the present invention, and as shown in fig. 5, a transaction risk assessment device 40 according to the present embodiment of the present invention further includes: a data update determination unit 41, a first score change determination unit 42, and a total score update unit 43.
In this embodiment, the transaction security related data of the network order at least includes: user equipment network data of the network order, user zone data of the network order, and time data of the network order. Wherein the user equipment network data of the network order at least comprises: user equipment code information, user equipment model information, user equipment communication number information, user equipment IP address information and user equipment Wi-Fi information; the user zone data of the network order at least comprises: user POI information and city information where the user is located.
Further, the data obtaining unit 31 is further configured to obtain transaction security related data of the historical network order of the user.
Further, the score calculating unit specifically includes: a first score calculation module 321, a second score calculation module 322, and a total score calculation module 323.
The first score calculating module 321 is configured to calculate a first transaction risk score according to transaction security related data before payment of a current network order of the user and transaction security related data of a historical network order of the user. The second score calculating module 322 is configured to calculate a second transaction risk score according to the transaction security related data of the previous network order payment of the user and the transaction security related data of the historical network order of the user. The total score calculating module 323 is configured to calculate a transaction risk score when the current network order is paid according to the first transaction risk score, the second transaction risk score and a preset transaction risk score model.
Further, in this embodiment, the first score calculating module 321 specifically includes: a first comparison submodule 3211, a first determination submodule 3212, and a first score calculation submodule 3213.
The first comparison sub-module 3211 is configured to compare each item of transaction security related data before payment of the current network order of the user with the corresponding transaction security related data of the historical network order. A first determining submodule 3212 is configured to determine a transaction risk score of each item of transaction safety related data before payment of the current network order of the user according to the comparison result. The first score calculating submodule 3213 is configured to calculate a first transaction risk score according to a transaction risk score of each item of transaction safety related data before payment of the current network order of the user and a preset transaction risk score submodule.
Further, in this embodiment, the first score calculating submodule 3213 is specifically configured to: and inputting the transaction risk score of each item of transaction safety related data before the current network order payment of the user into a preset transaction risk score sub-model for weighted summation calculation so as to obtain a first transaction risk score.
Further, in this embodiment, the second score calculating module specifically includes: a second comparison sub-module 3221, a second determination sub-module 3222, and a second score calculation sub-module 3223.
The second comparing sub-module 3221 is configured to compare each item of transaction security related data of the user during payment of the previous network order with the corresponding transaction security related data of the historical network order. A second determining sub-module 3222 is configured to determine a transaction risk score of each item of transaction security related data when the user's previous network order was paid according to the comparison result. A second score calculating sub-module 3223, configured to calculate a second transaction risk score according to the transaction risk score of each item of transaction security related data when the previous network order of the user is paid and a preset transaction risk score sub-model.
Further, the second score computing sub-module 3223 is specifically configured to: and inputting the transaction risk score of each item of transaction safety related data of the user during the previous network order payment into a preset transaction risk score sub-model for weighted summation calculation so as to obtain a second transaction risk score.
Further, in this embodiment, the total score calculating module 323 is specifically configured to: and inputting the first transaction risk score and the second transaction risk score into a preset transaction risk score model for weighted summation calculation so as to obtain the transaction risk score when the current network order is paid.
Further, the data update judging unit 41 is configured to judge whether the transaction security related data before the current network order payment of the user is updated when each order status event before the current network order payment occurs. The first score change determining unit 42 is configured to determine whether the first transaction risk score is changed if the one or more transaction security related data are updated before the current network order payment. The total score updating unit 43 is configured to update the transaction risk score when the current network order is paid if the first transaction risk score changes.
The transaction risk assessment device provided in this embodiment may execute the technical scheme of the method embodiment shown in fig. 2, and its implementation principle and technical effects are similar, and will not be described herein.
Example five
Fig. 6 is a schematic structural diagram of a network side device according to a fifth embodiment of the present invention, as shown in fig. 6, a network side device 50 according to the present embodiment includes: memory 51, processor 52 and computer program.
The computer program is stored in the memory 51 and is configured to be executed by the processor 52 to implement the method for transaction risk assessment provided in the first embodiment of the present invention or the method for transaction risk assessment provided in the second embodiment of the present invention.
The relevant descriptions may be understood by referring to the relevant descriptions and effects corresponding to the steps of fig. 1 to fig. 2, and are not repeated herein.
Example six
A sixth embodiment of the present invention provides a computer readable storage medium having a computer program stored thereon, where the computer program is executed by a processor to implement the method for transaction risk assessment provided in the first embodiment of the present invention or the method for transaction risk assessment provided in the second embodiment of the present invention.
In the several embodiments provided by the present invention, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, and for example, the division of units and modules is merely a logical function division, and there may be other manners of division in actual implementation, for example, multiple units and modules or components may be combined or integrated into another system, or some features may be omitted, or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed may be an indirect coupling or communication connection via interfaces, devices or units, and modules, which may be in electrical, mechanical, or other forms.
The units and modules illustrated as separate components may or may not be physically separate, and components shown as units and modules may or may not be physical units and modules, may be located in one place, or may be distributed over multiple network units and modules. Some or all of the units and modules may be selected according to actual needs to achieve the purpose of the embodiment.
In addition, each functional unit and module in each embodiment of the present invention may be integrated into one processing unit and module, or each unit and module may exist alone physically, or two or more units and modules may be integrated into one unit and module. The integrated units and modules can be realized in a hardware mode or in a hardware-software functional unit and module mode.
Program code for carrying out methods of the present invention may be written in any combination of one or more programming languages. These program code may be provided to a processor or controller of a general purpose computer, special purpose computer, or other programmable data processing apparatus such that the program code, when executed by the processor or controller, causes the functions/operations specified in the flowchart and/or block diagram to be implemented. The program code may execute entirely on the machine, partly on the machine, as a stand-alone software package, partly on the machine and partly on a remote machine or entirely on the remote machine or server.
In the context of the present invention, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. The machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.
Moreover, although operations are depicted in a particular order, this should be understood as requiring that such operations be performed in the particular order shown or in sequential order, or that all illustrated operations be performed, to achieve desirable results. In certain circumstances, multitasking and parallel processing may be advantageous. Likewise, while several specific implementation details are included in the above discussion, these should not be construed as limiting the scope of the present disclosure. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single implementation. Conversely, various features that are described in the context of a single implementation can also be implemented in multiple implementations separately or in any suitable subcombination.
Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are example forms of implementing the claims.
Claims (18)
1. A method of transaction risk assessment, comprising:
if the fact that the user equipment submits the current network order is monitored, transaction safety related data before the current network order of the user is paid and transaction safety related data when the previous network order of the user is paid are obtained;
acquiring transaction safety related data of historical network orders of the user;
calculating a first transaction risk score according to transaction safety related data before payment of the current network order of the user and transaction safety related data of the historical network order of the user;
calculating a second transaction risk score according to transaction safety related data of the previous network order payment of the user and transaction safety related data of the historical network order of the user;
calculating a transaction risk score when the current network order is paid according to the first transaction risk score and the second transaction risk score and a preset transaction risk score model;
And determining whether to pay the current network order according to the transaction risk score when the current network order is paid.
2. The method of claim 1, wherein the transaction security related data of the network order comprises at least: user equipment network data of the network order, user region data of the network order, and time data of the network order;
wherein the user equipment network data of the network order at least comprises: user equipment code information, user equipment model information, user equipment communication number information, user equipment IP address information and user equipment Wi-Fi information; the user region data of the network order at least comprises: user POI information and city information where the user is located.
3. The method according to claim 2, wherein said calculating a first transaction risk score from transaction safety related data of said user's current network order before payment and transaction safety related data of said user's historical network order, in particular comprises:
comparing each item of transaction safety related data before the payment of the current network order of the user with the corresponding transaction safety related data of the historical network order;
Determining transaction risk scores of each item of transaction safety related data before the current network order payment of the user according to the comparison result;
and calculating a first transaction risk score according to the transaction risk score of each item of transaction safety related data before the current network order payment of the user and a preset transaction risk score sub-model.
4. A method according to claim 3, wherein the calculating a first transaction risk score based on the transaction risk score of each item of transaction safety related data before payment of the user's current network order and a pre-set transaction risk score sub-model comprises:
and inputting the transaction risk score of each item of transaction safety related data before the current network order payment of the user into the preset transaction risk score sub-model for weighted summation calculation so as to obtain the first transaction risk score.
5. The method according to claim 2, wherein said calculating a second transaction risk score from transaction safety related data at the time of payment of a previous network order of said user and transaction safety related data of a historical network order of said user, in particular comprises:
Comparing each item of transaction safety related data of the user during the previous network order payment with the corresponding transaction safety related data of the historical network order;
determining transaction risk scores of each item of transaction safety related data when the previous network order of the user is paid according to the comparison result;
and calculating a second transaction risk score according to the transaction risk score of each item of transaction safety related data when the previous network order of the user is paid and a preset transaction risk score sub-model.
6. The method according to claim 5, wherein the calculating a second transaction risk score according to the transaction risk score of each item of transaction security related data at the time of payment of the previous network order of the user and a preset transaction risk score sub-model specifically comprises:
and inputting the transaction risk score of each item of transaction safety related data when the previous network order of the user is paid into the preset transaction risk score submodel for weighted summation calculation so as to obtain the second transaction risk score.
7. The method according to claim 5 or 6, wherein calculating the transaction risk score at the time of payment of the current network order according to the first transaction risk score, the second transaction risk score and the preset transaction risk score model specifically comprises:
And inputting the first transaction risk score and the second transaction risk score into the preset transaction risk score model for weighted summation calculation so as to obtain the transaction risk score when the current network order is paid.
8. The method of claim 7, further comprising, after said calculating a transaction risk score for said current network order payment based on said first transaction risk score, said second transaction risk score and said predetermined transaction risk score model:
judging whether each item of transaction safety related data before the current network order payment of the user is updated or not when each order state event before the current network order payment occurs;
if the safety related data of one or more transactions are updated before the payment of the current network order, judging whether the first transaction risk score is changed or not;
and if the first transaction risk score is changed, updating the transaction risk score when the current network order is paid.
9. An apparatus for transaction risk assessment, comprising:
the data acquisition unit is used for acquiring transaction safety related data before the payment of the current network order of the user and transaction safety related data when the payment of the previous network order of the user if the current network order submitted by the user equipment is monitored;
The data acquisition unit is also used for acquiring transaction safety related data of the historical network orders of the user;
the grading calculation unit is used for calculating the transaction risk grading of the current network order payment according to the transaction safety related data of the user before the current network order payment, the transaction safety related data of the user before the network order payment and a preset transaction risk grading model;
the payment determining unit is used for determining whether to pay the current network order according to the transaction risk score when the current network order is paid;
the score calculating unit specifically includes:
the first score calculating module is used for calculating a first transaction risk score according to transaction safety related data before payment of the current network order of the user and transaction safety related data of the historical network order of the user;
the second scoring calculation module is used for calculating a second transaction risk score according to transaction safety related data of the previous network order payment of the user and transaction safety related data of the historical network order of the user;
and the total score calculation module is used for calculating the transaction risk score when the current network order is paid according to the first transaction risk score, the second transaction risk score and a preset transaction risk score model.
10. The apparatus of claim 9, wherein the transaction security related data of the network order comprises at least: user equipment network data of the network order, user region data of the network order, and time data of the network order;
wherein the user equipment network data of the network order at least comprises: user equipment code information, user equipment model information, user equipment communication number information, user equipment IP address information and user equipment Wi-Fi information; the user region data of the network order at least comprises: user POI information and city information where the user is located.
11. The apparatus of claim 10, wherein the first score calculating module specifically comprises:
the first comparison sub-module is used for respectively comparing each item of transaction safety related data before the payment of the current network order of the user with the corresponding transaction safety related data of the historical network order;
a first determining sub-module, configured to determine a transaction risk score of each item of transaction security related data before payment of a current network order of the user according to a comparison result;
and the first score calculating sub-module is used for calculating a first transaction risk score according to the transaction risk score of each item of transaction safety related data before the current network order payment of the user and a preset transaction risk score sub-model.
12. The apparatus of claim 11, wherein the first score computing sub-module is specifically configured to:
and inputting the transaction risk score of each item of transaction safety related data before the current network order payment of the user into the preset transaction risk score sub-model for weighted summation calculation so as to obtain the first transaction risk score.
13. The apparatus of claim 10, wherein the second score calculating module specifically comprises:
the second comparison sub-module is used for respectively comparing each item of transaction safety related data of the user during the previous network order payment with the corresponding transaction safety related data of the historical network order;
a second determining sub-module, configured to determine a transaction risk score of each item of transaction security related data when the user's previous network order is paid according to the comparison result;
and the second score calculating sub-module is used for calculating a second transaction risk score according to the transaction risk score of each item of transaction safety related data when the previous network order of the user is paid and a preset transaction risk score sub-model.
14. The apparatus of claim 13, wherein the second score computing submodule is specifically configured to:
And inputting the transaction risk score of each item of transaction safety related data when the previous network order of the user is paid into the preset transaction risk score submodel for weighted summation calculation so as to obtain the second transaction risk score.
15. The apparatus according to claim 12 or 14, wherein the total score calculation module is specifically configured to:
and inputting the first transaction risk score and the second transaction risk score into the preset transaction risk score model for weighted summation calculation so as to obtain the transaction risk score when the current network order is paid.
16. The apparatus as recited in claim 15, further comprising:
the data updating judging unit is used for judging whether the transaction safety related data of the user before the current network order payment is updated or not when each order state event before the current network order payment occurs;
the first score change judging unit is used for judging whether the first transaction risk score is changed or not if the safety related data of a certain item or a plurality of items of transaction before the current network order payment is updated;
and the total score updating unit is used for updating the transaction risk score when the current network order is paid if the first transaction risk score is changed.
17. A network side device, comprising:
a memory, a processor, and a computer program;
wherein the computer program is stored in the memory and configured to be executed by the processor to implement the method of any one of claims 1-8.
18. A computer readable storage medium, having stored thereon a computer program, the computer program being executed by a processor to implement the method of any of claims 1-8.
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| CN112801670B (en) * | 2021-04-07 | 2021-07-23 | 支付宝(杭州)信息技术有限公司 | Risk assessment method and device for payment operation |
| CN116362756B (en) * | 2023-05-30 | 2023-08-01 | 万联易达物流科技有限公司 | Automatic payment wind control method and system |
| CN116912001B (en) * | 2023-09-12 | 2024-01-09 | 天津市津能工程管理有限公司 | Engineering material transaction management and control method and system based on Internet block chain |
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