CN112767162A - Transaction processing method, device and storage medium - Google Patents
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Abstract
The application discloses a transaction processing method, a transaction processing device and a storage medium. The method comprises the following steps: the method comprises the steps of obtaining a request message of current transaction information, wherein the request message comprises the current transaction information, calculating a target score of current transaction based on the transaction information, judging a list hierarchy of the current transaction based on the transaction information and/or the target score, determining a rule which needs to be executed for the current transaction at least based on the list hierarchy, and recording an execution result of the rule. The embodiment provided by the application solves the problem that the transaction risk decision is not flexible in the related art.
Description
Technical Field
The application relates to the technical field of big data, in particular to a transaction processing method, a transaction processing device and a storage medium.
Background
The bank credit card Starcard system in the background technology translates the real-time risk prevention and control function of authorized transaction based on the original SEMACARD system, the anti-fraud real-time interception rule only supports 7 dimensions, the problems of inflexible rule adjustment, no report monitoring and the like exist, and the efficient development of transaction risk prevention and control work is influenced; meanwhile, the supervision organization sends a document and requires that measures such as additional transaction verification, transaction authorization refusal and the like should be taken for single abnormal transactions such as large amount, high frequency per day and the like.
Disclosure of Invention
The application provides a transaction processing method, a transaction processing device and a nonvolatile storage medium, which are used for solving the problem that the transaction risk decision is not flexible in the related technology.
According to one aspect of the present application, there is provided a transaction processing method, the method comprising:
acquiring a request message of current transaction information, wherein the request message comprises the current transaction information;
calculating a target score for the current transaction based on the transaction information;
judging the list hierarchy of the current transaction based on the transaction information and/or the target score;
determining rules that need to be executed for the current transaction based at least on the list hierarchy;
and recording the execution result of the rule.
In some embodiments, calculating the target score for the current transaction based on the transaction information comprises:
calculating a target score of the current transaction based on the model score, historical card behavior and peripheral system behavior trajectory; the model score indicates a basic score obtained by the bank system based on big data analysis, the historical card behavior comprises a score obtained by analyzing the historical card condition of the transaction user, and the peripheral system behavior track comprises a credit reference score provided by a third-party system.
In some embodiments, determining the roster hierarchy for the current transaction based on the transaction information and/or the target score comprises:
judging whether the target score is greater than a first preset threshold value, and if so, judging that the list hierarchy of the current transaction is a first hierarchy; and/or
Judging whether the target score is smaller than a second preset threshold value, and if so, judging that the list hierarchy of the current transaction is a second hierarchy; and/or
Judging whether a user corresponding to the transaction information is in the first list or not, and if so, judging that the list hierarchy of the current transaction is a first hierarchy; and/or
Judging whether the user corresponding to the transaction information is in the second list or not, and if so, judging that the list hierarchy of the current transaction is a second hierarchy;
the first list is a white list, and the second list is a black list.
In some embodiments, the second list comprises a first word list and a second word list, the method further comprising:
judging whether a user corresponding to the transaction information is in the first sub-list, if so, judging that the list hierarchy of the current transaction is a second hierarchy, and assigning a first identifier to the transaction information; and/or
And judging whether the user corresponding to the transaction information is in the second sub-list, if so, judging that the list hierarchy of the current transaction is a second hierarchy, and assigning a second identifier to the transaction information.
In some embodiments, determining the rules that need to be executed for the current transaction based at least on the roster hierarchy includes:
if the list hierarchy is the first hierarchy, timely execution is performed;
if the list hierarchy is a second hierarchy and the transaction information is assigned with the first identifier, postponing the execution;
and if the list hierarchy is a second hierarchy and the transaction information is assigned with the second identifier, refusing to execute.
In some embodiments, the method further comprises:
and counting and displaying the execution result.
In some embodiments, the method further comprises:
editing or deleting the execution result.
According to another aspect of the embodiments of the present invention, there is also provided a transaction processing apparatus, including:
the acquisition module is configured to acquire a request message of current transaction information, and the request message comprises the current transaction information;
a calculation module configured to calculate a target score for a current transaction based on the transaction information;
a judging module configured to judge a list hierarchy of the current transaction based on the transaction information and/or the target score;
a determination module configured to determine rules that need to be executed for the current transaction based at least on the roster hierarchy;
a recording module configured to record an execution result of the rule.
In some embodiments, the computing module is specifically configured to:
calculating a target score of the current transaction based on the model score, historical card behavior and peripheral system behavior trajectory; the model score indicates a basic score obtained by the bank system based on big data analysis, the historical card behavior comprises a score obtained by analyzing the historical card condition of the transaction user, and the peripheral system behavior track comprises a credit reference score provided by a third-party system.
In some embodiments, the determining module comprises:
the first judgment submodule is configured to judge whether the target score is larger than a first preset threshold value, and if so, judge that the list hierarchy of the current transaction is a first hierarchy; and/or
The second judgment submodule is configured to judge whether the target score is smaller than a second preset threshold value, and if the target score is smaller than the second preset threshold value, the list hierarchy of the current transaction is judged to be a second hierarchy; and/or
The third judgment submodule is configured to judge whether a user corresponding to the transaction information is in the first list, and if so, judge that the list hierarchy of the current transaction is the first hierarchy; and/or
The fourth judgment submodule is configured to judge whether the user corresponding to the transaction information is in the second list, and if so, judge that the list hierarchy of the current transaction is the second hierarchy;
the first list is a white list, and the second list is a black list.
In some embodiments, the second list comprises a first word list and a second word list, the apparatus further comprising:
the fifth judgment sub-module is configured to judge whether a user corresponding to the transaction information is in the first sub-list, if so, judge that the list hierarchy of the current transaction is a second hierarchy, and assign the first identifier to the transaction information; and/or
And the sixth judgment sub-module is configured to judge whether the user corresponding to the transaction information is in the second sub-list, and if so, judge that the list hierarchy of the current transaction is a second hierarchy, and assign a second identifier to the transaction information.
In some embodiments, determining the module comprises:
a first execution submodule configured to execute in time if the list hierarchy is a first hierarchy;
the second execution submodule is configured to postpone execution if the list hierarchy is a second hierarchy and the first identifier is assigned to the transaction information;
a third execution submodule configured to reject execution if the roster level is a second level and the transaction information is assigned the second identifier.
In some embodiments, the apparatus further comprises:
and the statistic display module is configured to count and display the execution result.
In some embodiments, the apparatus further comprises:
and the editing module is configured to edit or delete the execution result.
According to another aspect of the embodiments of the present invention, there is also provided a non-volatile storage medium including a stored program, wherein the program controls a device in which the non-volatile storage medium is located to execute a transaction processing method when running.
According to another aspect of the embodiments of the present invention, there is also provided a transaction processing apparatus, including a processor and a memory, in which computer-readable instructions are stored, and the processor is configured to execute the computer-readable instructions, wherein the computer-readable instructions are executed to perform a transaction processing method.
The embodiment provided by the disclosure comprehensively upgrades and creates a new transaction risk real-time decision system, and realizes the function of setting more dimensional rules for real-time interception based on more accurate model scoring decision and based on information such as historical card using behaviors and special risk lists. By flexibly configuring multi-dimensional rule parameters, diversified treatment measures are flexibly configured for cards, accounts, people and merchants, and real-time anti-fraud and abnormal transaction authorization management of a card center in an authorization decision process is realized.
Drawings
The accompanying drawings, which are incorporated in and constitute a part of this application, illustrate embodiments of the application and, together with the description, serve to explain the application and are not intended to limit the application. In the drawings:
fig. 1 is a schematic structural diagram of a transaction risk real-time decision system provided according to an embodiment of the present disclosure;
FIG. 2 is a flow diagram of a transaction processing method provided according to an embodiment of the present application;
fig. 3 is a schematic diagram of internal management and control index variable management provided by the embodiment of the present disclosure;
FIG. 4 is a schematic diagram of fraud indicator variable management provided by embodiments of the present disclosure;
FIG. 5 is a schematic diagram of real-time process index variable management provided by an embodiment of the present disclosure;
FIG. 6 is a schematic diagram of fact management provided by embodiments of the present disclosure;
FIG. 7 is a schematic illustration of collection management provided by embodiments of the present disclosure;
fig. 8 is a schematic view of maintaining a wind-controlled service parameter according to an embodiment of the present disclosure;
fig. 9 is a schematic diagram of aggregate indicator management provided by an embodiment of the present disclosure;
FIG. 10 is a schematic diagram of aggregate index management provided by embodiments of the present disclosure;
FIG. 11 is a schematic diagram illustrating a real-time index processing core bus data flow provided by an embodiment of the present disclosure;
FIG. 12 is a schematic diagram of a real-time index machining event bus data flow provided by an embodiment of the present disclosure;
FIG. 13 is a diagram of a database structure design, such as a database design ER, provided by an embodiment of the present disclosure;
FIG. 14 is a flow chart of a transaction processing method provided by an embodiment of the present disclosure; and
fig. 15 is a block diagram of a transaction processing device according to an embodiment of the present disclosure.
Detailed Description
It should be noted that the embodiments and features of the embodiments in the present application may be combined with each other without conflict. The present application will be described in detail below with reference to the embodiments with reference to the attached drawings.
In order to make the technical solutions better understood by those skilled in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only partial embodiments of the present application, but not all embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the drawings described above are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It should be understood that the data so used may be interchanged under appropriate circumstances such that embodiments of the application described herein may be used. 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.
Aiming at the defects of the original authorization transaction system, the risk transaction real-time decision system is realized by combining the planning design of hundred million-level card issuing quantity and transaction quantity of banks according to the stability and feasibility of the system and the advancement and development of the system.
Some of the terms involved in this disclosure are explained below:
transaction diversion definition table: the system is used for selecting and executing different rule sets according to different transaction scenes;
rule set table: combining a plurality of executable rules together into a set of rules according to business requirements;
the rule table can be executed: rules specifically executed in real-time decision making;
combination rule table: configuration for rule content, providing executable rules and index processing references;
treatment measures table: the method is used for defining treatment measures after matching the wind control rules;
index definition table: definition of a base index;
polymerization index table: the definition table of the index needing aggregation operation is used for rule operation;
an aggregate index table: a definition table of indexes which need to judge whether a logical relation exists is used for rule operation;
set definition table: a definition table of a constant type parameter set, such as a European country set;
wind control business form table: for storing different types of list data;
fact definition table: defining field attributes of transaction information, card information, 360 labels and the like used for real-time decision making, and facilitating rule configuration;
batch task import table: the system is used for recording the execution condition of the wind control batch;
index processing anti-duplication control table: for preventing repeated consumption of kafka data;
customer-related system meter: for recording customer-related statistics, such as statistics of dimensions of cards, customers, etc.;
customer independent meter: the method is used for recording customer-independent statistics, such as dimension statistics of merchants, national mcc, terminals and the like;
customer 360 tag table: for storing 360 tag data of the customer.
Fig. 1 is a schematic structural diagram of a transaction risk real-time decision system according to an embodiment of the present disclosure, where the transaction risk real-time decision system shown in fig. 1 includes a real-time wind control decision service, a real-time wind control management service, a real-time index processing service, a batch index processing service, and a real-time wind control analysis service. Wherein the service function of each service is different. The details are as follows.
One, real time wind control decision service
The real-time wind control decision service is mainly responsible for real-time decision of risk transaction, and provides an interface for external system call in a RESTFUL State Transfer (REST) mode.
Restul is a design style and development approach for web applications, which is based on HTTP and may use XML format definition or JSON format definition. RESTFUL is suitable for a scene that a mobile internet manufacturer serves as a service enabling interface, the function that a third party OTT calls mobile network resources is achieved, and the action type is to add, change and delete the called resources.
Fig. 2 is a flowchart of a transaction processing method provided in an embodiment of the present disclosure, where the transaction processing method shown in fig. 2 includes:
in some embodiments, the request message includes at least one of: card information, customer information, account information, and credit information.
In a specific scenario, the request message is automatically destroyed after the processing flow is finished.
a context object is a global space for storing information, and is only released when the server is started and exists and when the server is closed. All users share a context object. The common context object is used to store some initialization information for the system by constructing it, such as specifying the data source via a configuration file. Therefore, the embodiment provided by the disclosure can save space and improve efficiency. If a plurality of threads are possibly called in the system to realize different functions, request message information is extracted from a database, and if the message request information is stored by using session, each thread accesses the database once, so that the efficiency is low; therefore, the context is used for storing, and the message request information is stored in the context object by accessing the database, so that each user only reads the request message information from the context. In this embodiment, the public context obtains information from the message such as card number, customer number, country, transaction code, etc.
In addition, an environment object required by rule execution is also created;
the execution environment defines the variables or other data to which the function has access. The execution environment includes a global execution environment and a function execution environment. All global variables and functions are created as attributes and methods of the Windows object. The global execution environment is not destroyed until the application exits.
in some embodiments, the method is performed by at least one of: and (4) scoring the model, and calculating a target score of the current transaction according to the historical card behavior and the behavior track of the peripheral system.
The model score refers to a score given to a certain transaction or a certain customer by the big data model, and the model score is a base number of the set indexes in the risk control process.
Historical card behavior: the customer records the card before the current day, such as consumption condition, payment condition and the like of the current day and whether the customer succeeds or not; whether cash register, money laundering, overdue behavior and the like exist.
Peripheral system behavior trace: in addition to the core system supporting the various actions of the customer in the central office, there are other systems (e.g., unified login system, payment platform, etc.) that have data records for the customer that are distributed among the various systems.
The three factors (model scoring, historical card behavior, peripheral system behavior track) can be set with different weights for each factor, the specific weights can be set, and finally, a list level of the current transaction is calculated in a weighting mode.
In addition, an aggregate index may be obtained based on the transaction information, where the aggregate index refers to a range property index, such as european countries, including uk, germany, and the like, which are used as an aggregate index.
in some embodiments, a first threshold may be set. And if the calculated target score is greater than or equal to the first threshold value, judging that the list hierarchy of the transaction is a first list. For example, lists greater than 90 points belong to the high-weight whitelist.
That is, the target score is high, reflecting that the customer's credit is better; the target score is low, reflecting that the customer's credit is low. A target score greater than the first threshold reflects a customer's credit as excellent.
The first list is equivalent to setting a high-weight white list. If the white list is the high-weight white list, jumping to the step 209 and directly returning to success.
In addition, the high-weight white list can be uploaded manually through a service or added manually through a wind-controlled list management interface, and the embodiment is automatically added to the high-weight white list based on credit scores of various sources.
If not, otherwise, continue to step 206;
if the current transaction belongs to the second list, returning failure, executing step 209; if the current transaction does not belong to the second list, step 207 is performed.
The second list corresponds to a black list, i.e. the target score is smaller than a second threshold, such as the second threshold being set to 60.
Further, it may be further differentiated by returning the failed code.
The target score is lower and the single item score can be further identified. Such as historical card activity scores below a third threshold (identified as a transaction delay blacklist), or peripheral system trajectory scores below a fourth threshold (identified as a temporary blocking blacklist), etc.
For example, the current transaction belongs to the blacklist and due to the transaction being delayed for the blacklist rejection, a D8 return code is returned.
As another example, the current transaction belongs to the blacklist and the return of the D7 return code is denied due to temporary blocking of the blacklist.
For another example, the current transaction belongs to a blacklist, and the transaction delay blacklist and the temporary blocking blacklist are both not rejected, and the return fails.
The blacklist, the temporary blocking and blacklist and the transaction delay blacklist can also be manually uploaded by a service or manually added through a wind control list management interface. Embodiments provided by the present disclosure are formed based on automatic addition of multiple credit scores.
wherein the aggregation indicator is similar to a model and performs a judgment on the final rule.
Such as: the transaction amount within 5 minutes of a client and the transaction amount in the past month, the two corresponding aggregate indexes are the transaction amount within 5 minutes and the transaction amount in the past month respectively.
The two data sources are respectively transaction information generated in 24 hours and information processed by a real-time index, and the real-time index defines the daily transaction amount of a customer.
and judging which rule sets need to be executed according to the current transaction code, the country and the channel. Within the rule set are different executable rules. Here, the executable rule is a decision rule. The rules of different countries or regions are preset in the system.
if so, the current transaction is normal. If not, the current transaction is at risk.
The disposal measures comprise measures such as alarm, time delay, rejection and the like, if the content of the executable rule is deployed, the total transaction amount is more than 50 yuan in 1 minute, the execution measure is delayed for 30 minutes, and if a client hits the rule, the client is rejected in the following 30 minutes.
And step 210, registering wind control result analysis data.
The recorded result includes at least current transaction information (card, transaction amount, customer information, transaction country, transaction terminal, transaction merchant), hit rule information, disposal measure information, and the like.
Second, real-time wind control management service
The real-time wind control management service mainly provides management services of real-time wind control parameters, and the management dimensionality comprises at least one of the following: the method comprises the following steps of internal management and control index variable management, fraud index variable management, real-time processing index variable management, fact management, set management, wind control service parameter maintenance, aggregated index management, set index management, batch import task management, wind control list management, wind control analysis service, customer related index statistic inquiry, customer unrelated index statistic inquiry, combination rule management, executable rule management, rule group management, disposal measure management and transaction distribution configuration.
And the internal management and control index variable management is used for managing and controlling the index variable name and the index variable code.
Fig. 3 is a schematic diagram of internal management and control index variable management according to an embodiment of the disclosure. The figure takes an index variable name of 'CHECKED WHITE LIST' as an example for explanation, the corresponding index variable code is CHECKED _ WHITE-LIST, and in addition, the creation time, the modification time, the modifier, the creator and the like can be recorded. The remark information may be filled in by the modifier or creator.
Fraud indicator variable management for managing fraud indicator variable names and indicator variable codes and other attributes.
FIG. 4 is a schematic diagram of fraud indicator variable management provided by an embodiment of the disclosure. The figure is described by taking an example of an index variable name "national MCC cumulative fraud transaction number per day", and the corresponding index variable code is CMCC1001, and the index data type, the cumulative manner, the cumulative cycle, the cumulative field, and the like may be edited. The remark information may be filled in by the modifier or creator.
And the real-time processing index variable management is used for managing real-time processing index variable names, index variable codes and other attributes.
Fig. 5 is a schematic diagram of real-time processing index variable management provided by the embodiment of the present disclosure. The figure is described by taking an index variable name "CARD cumulative transaction number per day" as an example, and the corresponding index variable code is CARD0001, and the index data type, the cumulative manner, the cumulative cycle, the cumulative field, and the like may be edited. The remark information may be filled in by the modifier or creator.
Fact management for managing fact names and fact codes and other attributes.
Fig. 6 is a fact management diagram provided by an embodiment of the present disclosure. The figure is described by taking a fact name "current account information" as an example, the corresponding fact code is accountInfo, and in addition, a fact attribute name, a fact attribute code, a fact attribute type and the like can be edited.
And the collection management is used for managing collection names and collection codes and other attributes.
Fig. 7 is a schematic diagram of set management provided by an embodiment of the present disclosure. The figure is illustrated with the fact name "EUROPEAN country", the corresponding aggregation code is EUROPEAN _ COUNT, the aggregation attribute type is String, the aggregation attribute code 250 represents france, 276 represents germany, and 826 represents england. The collection attributes may be modified, added, or deleted.
The maintenance of the wind control service parameter, for example, the verified white list management and control duration, may modify the parameter primary key value and the parameter secondary key value, as shown in fig. 8.
The aggregation indicator management includes an aggregation indicator name, an aggregation indicator code, an aggregation value variable data source, an aggregation function, and the like, which is specifically shown in fig. 9.
The set index management includes set index management, set index name, data source, and the like, which is specifically shown in fig. 10.
In addition, batch index management comprises a batch index variable name, an index variable code and the like.
The batch import task management includes application files, and the import status is a delete status, a batch import date, and the like.
The wind control list management comprises list indexes, owner IDs and the like.
Third, real-time index processing service
The real-time index processing service is mainly used for processing real-time data of a core data bus and a peripheral event bus, accumulating statistical indexes of multiple dimensions such as cards, accounts, people and merchants, and persisting the statistical indexes into a database for the wind control real-time decision service.
The real-time indicator processing core bus data flow is shown in fig. 11:
the authorization transaction system writes the authorization flow into the database;
the core data bus collector collects the authorization flow into a core bus message queue kafka
Real-time index processing service real-time consumption core bus kafka data, and persisting the processed result in a database
The real-time indicator processing event bus data flow is shown in fig. 12:
after the transaction detection system judges the transaction as a counterfeit transaction, the transaction running water is sent to the peripheral event bus kafka
Real-time index processing service real-time consumption event bus kafka data, and persisting the processed result in a database
Fourth, batch index processing service
The batch index processing service provides an external system to import data into a real-time decision system in a batch file mode so as to facilitate the use of the decision service. Such as client name data generated by an external system, client 360 tag data.
And (4) importing index variable batches in batches, and providing a manual mode for business personnel to import some black and white list data into the system for realizing real-time management and control based on the list.
And deleting index variable batches in batches, providing a manual mode for service personnel to delete the list data in the system, and realizing real-time management and control based on the list.
And importing the client 360 label data generated by the big data system into the system in a timing mode for real-time decision making.
Five, real-time wind control analysis service
The real-time wind control analysis service is used for displaying real-time decision execution results and providing a multi-dimensional result analysis query interface, such as daily real-time transaction rejection and fraud probability trend, monthly real-time transaction rejection and fraud probability trend, daily change trend of each handling measure and the like.
The embodiment provided by the public can realize the inquiry of historical index data and the real-time monitoring and warning.
Specifically, the real-time decision can be written into kafka as the execution result of the wind control, and the wind control analysis service provides data to the outside by taking es as a data source. The user can inquire the historical data through a preset human-computer interaction interface.
In addition, the real-time decision can be written into a local memory, data acquisition is carried out periodically, statistical analysis data are displayed, and if alarm conditions are met, alarm prompt is directly carried out.
The technical selection for carrying out the above-described embodiment is as follows.
Online service:
a technology stack: spring Boot, Spring Cloud assembly
DAO layer: mybatis
Service registration: butt-joint Eureka Server
Configuration loading: butt connection Config Server
Parameter caching: spring Cache + Caffeine
Service interface definition: swagger2
A middleware: kafka, elastic search, logstack
Deployment: container-wise deployment
The batch functional environment is as follows:
a technology stack: spring Boot, Spring Cloud, Spring Batch, Spring Dataflow
DAO layer: mybatis
Configuration loading: butt connection Config Server
Parameter caching: spring Cache + Caffeine
Deployment: container-wise deployment
Deployment environment: container cloud and virtual machine
Database environment:
FIG. 13 is a database structure design, such as a database design ER diagram, provided by an embodiment of the present disclosure, and the specific table definitions are as follows.
Transaction diversion definition table: the system is used for selecting and executing different rule sets according to different transaction scenes;
rule set table: combining a plurality of executable rules together into a set of rules according to business requirements;
the rule table can be executed: rules specifically executed in real-time decision making;
combination rule table: configuration for rule content, providing executable rules and index processing references;
treatment measures table: the method is used for defining treatment measures after matching the wind control rules;
index definition table: definition of a base index;
polymerization index table: the definition table of the index needing aggregation operation is used for rule operation;
an aggregate index table: a definition table of indexes which need to judge whether a logical relation exists is used for rule operation;
set definition table: a definition table of a constant type parameter set, such as a European country set;
wind control business form table: for storing different types of list data;
fact definition table: defining field attributes of transaction information, card information, 360 labels and the like used for real-time decision making, and facilitating rule configuration;
batch task import table: the system is used for recording the execution condition of the wind control batch;
index processing anti-duplication control table: for preventing repeated consumption of kafka data;
customer-related system meter: for recording customer-related statistics, such as statistics of dimensions of cards, customers, etc.;
customer independent meter: the method is used for recording customer-independent statistics, such as dimension statistics of merchants, national mcc, terminals and the like;
customer 360 tag table: for storing 360 tag data of the customer.
Fig. 14 is a transaction processing method provided according to an embodiment of the present disclosure, where the transaction processing method shown in fig. 14 includes:
In some embodiments, calculating the target score for the current transaction based on the transaction information comprises:
calculating a target score of the current transaction based on the model score, historical card behavior and peripheral system behavior trajectory; the model score indicates a basic score obtained by the bank system based on big data analysis, the historical card behavior comprises a score obtained by analyzing the historical card condition of the transaction user, and the peripheral system behavior track comprises a credit reference score provided by a third-party system.
In some embodiments, determining the roster hierarchy for the current transaction based on the transaction information and/or the target score comprises:
judging whether the target score is greater than a first preset threshold value, and if so, judging that the list hierarchy of the current transaction is a first hierarchy; and/or
Judging whether the target score is smaller than a second preset threshold value, and if so, judging that the list hierarchy of the current transaction is a second hierarchy; and/or
Judging whether a user corresponding to the transaction information is in the first list or not, and if so, judging that the list hierarchy of the current transaction is a first hierarchy; and/or
Judging whether the user corresponding to the transaction information is in the second list or not, and if so, judging that the list hierarchy of the current transaction is a second hierarchy;
the first list is a white list, and the second list is a black list.
In some embodiments, the second list comprises a first word list and a second word list, the method further comprising:
judging whether a user corresponding to the transaction information is in the first sub-list, if so, judging that the list hierarchy of the current transaction is a second hierarchy, and assigning a first identifier to the transaction information; and/or
And judging whether the user corresponding to the transaction information is in the second sub-list, if so, judging that the list hierarchy of the current transaction is a second hierarchy, and assigning a second identifier to the transaction information.
In some embodiments, determining the rules that need to be executed for the current transaction based at least on the roster hierarchy includes:
if the list hierarchy is the first hierarchy, timely execution is performed;
if the list hierarchy is a second hierarchy and the transaction information is assigned with the first identifier, postponing the execution;
and if the list hierarchy is a second hierarchy and the transaction information is assigned with the second identifier, refusing to execute.
In some embodiments, the method further comprises:
and counting and displaying the execution result.
In some embodiments, the method further comprises:
editing or deleting the execution result.
Fig. 15 is a structural diagram of a transaction processing apparatus according to an embodiment of the present invention, the apparatus including:
an obtaining module 501, configured to obtain a request message of current transaction information, where the request message includes the current transaction information;
a calculation module 502 configured to calculate a target score for a current transaction based on the transaction information;
a determining module 503 configured to determine a list hierarchy of the current transaction based on the transaction information and/or the target score;
a determining module 504 configured to determine rules that need to be executed for the current transaction based at least on the roster hierarchy;
a recording module 505 configured to record the execution result of the rule.
In some embodiments, the computing module is specifically configured to:
calculating a target score of the current transaction based on the model score, historical card behavior and peripheral system behavior trajectory; the model score indicates a basic score obtained by the bank system based on big data analysis, the historical card behavior comprises a score obtained by analyzing the historical card condition of the transaction user, and the peripheral system behavior track comprises a credit reference score provided by a third-party system.
In some embodiments, the determining module comprises:
the first judgment submodule is configured to judge whether the target score is larger than a first preset threshold value, and if so, judge that the list hierarchy of the current transaction is a first hierarchy; and/or
The second judgment submodule is configured to judge whether the target score is smaller than a second preset threshold value, and if the target score is smaller than the second preset threshold value, the list hierarchy of the current transaction is judged to be a second hierarchy; and/or
The third judgment submodule is configured to judge whether a user corresponding to the transaction information is in the first list, and if so, judge that the list hierarchy of the current transaction is the first hierarchy; and/or
The fourth judgment submodule is configured to judge whether the user corresponding to the transaction information is in the second list, and if so, judge that the list hierarchy of the current transaction is the second hierarchy;
the first list is a white list, and the second list is a black list.
In some embodiments, the second list comprises a first word list and a second word list, the apparatus further comprising:
the fifth judgment sub-module is configured to judge whether a user corresponding to the transaction information is in the first sub-list, if so, judge that the list hierarchy of the current transaction is a second hierarchy, and assign the first identifier to the transaction information; and/or
And the sixth judgment sub-module is configured to judge whether the user corresponding to the transaction information is in the second sub-list, and if so, judge that the list hierarchy of the current transaction is a second hierarchy, and assign a second identifier to the transaction information.
In some embodiments, determining the module comprises:
a first execution submodule configured to execute in time if the list hierarchy is a first hierarchy;
the second execution submodule is configured to postpone execution if the list hierarchy is a second hierarchy and the first identifier is assigned to the transaction information;
a third execution submodule configured to reject execution if the roster level is a second level and the transaction information is assigned the second identifier.
In some embodiments, the apparatus further comprises:
and the statistic display module is configured to count and display the execution result.
In some embodiments, the apparatus further comprises:
and the editing module is configured to edit or delete the execution result.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The present application is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems), and computer program products according to embodiments of the application. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing apparatus to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable apparatus provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
In a typical configuration, a computing device includes one or more processors (CPUs), input/output interfaces, network interfaces, and memory. The memory may include forms of volatile memory in a computer readable medium, Random Access Memory (RAM) and/or non-volatile memory, such as Read Only Memory (ROM) or flash memory (flash RAM). The memory is an example of a computer-readable medium.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
It should also be noted that the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in the process, method, article, or apparatus that comprises the element.
As will be appreciated by one skilled in the art, embodiments of the present application may be provided as a method, system, or computer program product. Accordingly, the present application may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present application may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
The above are merely examples of the present application and are not intended to limit the present application. Various modifications and changes may occur to those skilled in the art. Any modification, equivalent replacement, improvement, etc. made within the spirit and principle of the present application should be included in the scope of the claims of the present application.
Claims (10)
1. A transaction processing method, the method comprising:
acquiring a request message of current transaction information, wherein the request message comprises the current transaction information;
calculating a target score for the current transaction based on the transaction information;
judging the list hierarchy of the current transaction based on the transaction information and/or the target score;
determining rules that need to be executed for the current transaction based at least on the roster layer;
and recording the execution result of the rule.
2. The transaction-processing method of claim 1, wherein calculating the target score for the current transaction based on the transaction information comprises:
calculating a target score of the current transaction based on the model score, historical card behavior and peripheral system behavior trajectory; the model score indicates a basic score obtained by the bank system based on big data analysis, the historical card behavior comprises a score obtained by analyzing the historical card condition of the transaction user, and the peripheral system behavior track comprises a credit reference score provided by a third-party system.
3. The transaction processing method of claim 2, wherein determining the roster level of the current transaction based on the transaction information and/or the target score comprises:
judging whether the target score is greater than a first preset threshold value or not, and if so, judging that the list hierarchy of the current transaction is a first hierarchy; and/or
Judging whether the target score is smaller than a second preset threshold value or not, and if so, judging that the list hierarchy of the current transaction is a second hierarchy; and/or
Judging whether a user corresponding to the transaction information is in a first list or not, and if so, judging that the list hierarchy of the current transaction is a first hierarchy; and/or
Judging whether the user corresponding to the transaction information is in a second list or not, and if so, judging that the list hierarchy of the current transaction is a second hierarchy;
the first list is a white list, and the second list is a black list.
4. The transaction processing method of claim 3, wherein the second list comprises a first word list and a second word list, the method further comprising:
judging whether a user corresponding to the transaction information is in a first sub-list, if so, judging that the list hierarchy of the current transaction is a second hierarchy, and assigning a first identifier to the transaction information; and/or
And judging whether the user corresponding to the transaction information is in a second sub-list, if so, judging that the list hierarchy of the current transaction is a second hierarchy, and assigning a second identifier to the transaction information.
5. The transaction processing method of claim 4, wherein determining the rules that need to be executed for the current transaction based at least on the roster hierarchy comprises:
if the list hierarchy is the first hierarchy, timely executing;
if the list hierarchy is a second hierarchy and the transaction information is assigned with the first identifier, postponing execution;
and if the list hierarchy is a second hierarchy and the transaction information is assigned with a second identifier, refusing to execute.
6. The transaction processing method of claim 1, wherein the method further comprises:
and counting and displaying the execution result.
7. The transaction processing method of claim 1, wherein the method further comprises:
and editing or deleting the execution result.
8. A transaction processing apparatus, the apparatus comprising:
the acquisition module is configured to acquire a request message of current transaction information, wherein the request message comprises the current transaction information;
a calculation module configured to calculate a target score for a current transaction based on the transaction information;
a judging module configured to judge a list hierarchy of a current transaction based on the transaction information and/or the target score;
a determination module configured to determine rules that need to be executed for a current transaction based at least on the roster hierarchy;
a recording module configured to record an execution result of the rule.
9. A non-volatile storage medium, comprising a stored program, wherein the program when executed controls a device in which the non-volatile storage medium is located to perform the transaction processing method of any one of claims 1 to 7.
10. A transaction processing apparatus comprising a processor and a memory, the memory having stored thereon computer-readable instructions, the processor being configured to execute the computer-readable instructions, wherein the computer-readable instructions when executed perform the transaction processing method of any one of claims 1 to 7.
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