CN112767166A - Method and device for controlling risk of transaction behavior, computer equipment and storage medium - Google Patents
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Abstract
The application relates to a risk control method and device for transaction behaviors, computer equipment and a storage medium. The method comprises the following steps: receiving transaction request data sent by at least two first transaction systems through a transaction channel proxy interface; acquiring account transaction data of a transaction account corresponding to the transaction request data; judging whether the transaction behavior of the transaction account triggers a wind control condition or not according to the transaction request data and the account transaction data; when the transaction behavior of the target transaction account in the transaction accounts triggers the wind control condition, preventing the transaction request data of the target transaction account from being sent to a second transaction system; and when the transaction behavior of the transaction account does not trigger the wind control condition, sending the transaction request data of the transaction account to a second transaction system. By adopting the method, the accuracy of risk control can be improved.
Description
Technical Field
The present application relates to the field of computer technologies, and in particular, to a risk control method and apparatus for a transaction behavior, a computer device, and a storage medium.
Background
With the development of computer technology, the types of transaction services are gradually increased, and enterprises or individuals use different transaction systems to perform transactions according to different service types. How to control risks of a plurality of transaction systems becomes an important issue concerning transaction security.
In the traditional technology, risk control is independently performed on each transaction system, the transaction data of each transaction system cannot be correlated, and the accuracy rate of risk control is low.
Disclosure of Invention
In view of the above, it is necessary to provide a risk control method, an apparatus, a computer device and a storage medium for transaction behavior, which can improve the accuracy of risk control.
A method of risk control of a transaction activity, the method comprising:
receiving transaction request data sent by at least two first transaction systems through a transaction channel proxy interface;
acquiring account transaction data of a transaction account corresponding to the transaction request data;
judging whether the transaction behavior of the transaction account triggers a wind control condition or not according to the transaction request data and the account transaction data;
when the transaction behavior of the target transaction account in the transaction accounts triggers the wind control condition, preventing the transaction request data of the target transaction account from being sent to a second transaction system;
and when the transaction behavior of the transaction account does not trigger the wind control condition, sending the transaction request data of the transaction account to a second transaction system.
In one embodiment, the method is applied to a wind control platform of a local domain; the at least two first transaction systems are set up in the local domain, or in the local domain and other domains; the receiving, by the transaction channel proxy interface, transaction request data sent by at least two first transaction systems includes:
receiving the transaction request data sent by the first transaction system of the local domain and the first transaction system of the other domain through a transaction channel proxy interface; alternatively, the first and second electrodes may be,
and receiving transaction request data sent by a first transaction system in a local area and transaction request data sent by the wind control platform in other areas through a transaction channel proxy interface.
In one embodiment, the method further comprises:
determining a target wind control condition corresponding to the first transaction system according to the type of the first transaction system;
acquiring a target wind control condition corresponding to a first transaction system to which the transaction request data belongs;
and determining the target wind control condition as the wind control condition.
In one embodiment, the receiving, through the transaction channel proxy interface, transaction request data sent by at least two first transaction systems includes:
monitoring the transaction channel proxy interface to monitor whether the transaction channel proxy interface receives the transaction request data sent from the first transaction system; the transaction request data is data generated by the first transaction system according to the entrusted order of each transaction account;
and when the transaction channel proxy interface is monitored to receive the transaction request data, the transaction request data is obtained.
In one embodiment, the method further comprises:
acquiring the transaction interface type of the second transaction system;
and generating the transaction channel proxy interface according to the transaction interface type.
A risk control device for a transaction activity, the device comprising:
the receiving module is used for receiving transaction request data sent by at least two first transaction systems through a transaction channel proxy interface;
the acquisition module is used for acquiring account transaction data of the transaction account corresponding to the transaction request data;
the judging module is used for judging whether the transaction behavior of the transaction account triggers a wind control condition according to the transaction request data and the account transaction data;
the blocking module is used for blocking the transaction request data of the target transaction account from being sent to a second transaction system when the transaction behavior of the target transaction account in the transaction account triggers the wind control condition;
and the sending module is used for sending the transaction request data of the transaction account to a second transaction system when the transaction behavior of the transaction account does not trigger the wind control condition.
In one embodiment, the at least two first transaction systems are established in the local domain, or in the local domain and other domains; the receiving module is further configured to:
receiving the transaction request data sent by the first transaction system of the local domain and the first transaction system of the other domain through a transaction channel proxy interface; alternatively, the first and second electrodes may be,
and receiving transaction request data sent by a first transaction system in a local area and transaction request data sent by the wind control platform in other areas through a transaction channel proxy interface.
In one embodiment, the apparatus further comprises:
the determining module is further used for determining a target wind control condition corresponding to the first transaction system according to the type of the first transaction system;
the acquisition module is further used for acquiring a target wind control condition corresponding to a first transaction system to which the transaction request data belongs;
the determining module is further configured to determine the target wind control condition as the wind control condition.
In one embodiment, the receiving module is further configured to:
monitoring the transaction channel proxy interface to monitor whether the transaction channel proxy interface receives the transaction request data sent from the first transaction system; the transaction request data is data generated by the first transaction system according to the entrusted order of each transaction account;
and when the transaction channel proxy interface is monitored to receive the transaction request data, the transaction request data is obtained.
In one embodiment, the apparatus further comprises:
the acquisition module is further used for acquiring the transaction interface type of the second transaction system;
and the generating module is used for generating the transaction channel proxy interface according to the transaction interface type.
A computer arrangement comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, carries out the steps of the method of risk control of a transaction activity.
A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method for risk control of a transaction activity.
In the above embodiment, the server receives the transaction request data sent by the at least two first transaction systems through the transaction channel proxy interface, and acquires the account transaction data of the transaction account corresponding to the transaction request data. And then, the server judges whether the transaction behavior of each transaction account triggers a wind control condition according to the transaction request data and the account transaction data, and when the transaction behavior of a target transaction account in the transaction accounts triggers the wind control condition, the server prevents the transaction request data of the target transaction account from being sent to the second transaction system. The server acquires the transaction request data and the account transaction data from the plurality of first transaction systems, and comprehensively judges the acquired data, so that the accuracy of risk control is improved.
Drawings
FIG. 1 is a diagram of an embodiment of an application environment for a risk control method for trading behavior;
FIG. 2 is a schematic flow chart diagram illustrating a method for risk control of transactional behavior in one embodiment;
FIG. 3 is a schematic diagram of a risk control method for a transaction activity in one embodiment;
FIG. 4 is a schematic diagram of a risk control method for a transaction activity according to another embodiment;
FIG. 5 is a flow diagram illustrating a method for obtaining transaction request data in one embodiment;
FIG. 6 is a schematic diagram of a transaction process in one embodiment;
FIG. 7 is a block diagram of a risk control mechanism for transaction activities in one embodiment;
FIG. 8 is a block diagram showing the structure of a risk control device for transaction activities according to another embodiment;
FIG. 9 is a diagram illustrating an internal structure of a computer device according to an embodiment.
Detailed Description
In order to make the objects, technical solutions and advantages of the present application more apparent, the present application is described in further detail below with reference to the accompanying drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the present application and are not intended to limit the present application.
The risk control method for the transaction behaviors can be applied to the application environment shown in fig. 1. The server 102 communicates with the first transaction systems 104 through a network, receives transaction request data from at least two first transaction systems 104 through the transaction channel proxy interfaces, and obtains account transaction data of transaction accounts corresponding to the transaction request data. Then, the server 102 determines whether the transaction behavior of each transaction account triggers the wind control condition according to the transaction request data and the account transaction data of the transaction account, and when the transaction behavior of the target transaction account in the transaction accounts triggers the wind control condition, the transaction request data of the target transaction account is prevented from being sent to the second transaction system 106.
The server 102 may be implemented as a stand-alone server or a server cluster composed of a plurality of servers.
In one embodiment, as shown in fig. 2, a risk control method for trading behavior is provided, which is described by taking the method as an example applied to the server 102 in fig. 1, and includes the following steps:
s202, the server receives transaction request data sent by at least two first transaction systems through a transaction channel proxy interface.
The transaction channel proxy interface is an application program interface for receiving transaction request data from the first transaction system, and is a set of definitions, procedures and protocols.
The first transaction system is a system for providing transaction channels and transaction services, preliminarily checks transaction instructions of enterprises or individuals, and sends the transaction instructions qualified through preliminary check to the second transaction system for transaction. Since the variety of the subject matter to be traded is various, there are various types of the first trading system to trade different kinds of subject matter through different trading systems. The first transaction systems may be established in different regions, and the transaction systems established in different regions may perform transactions on the same type of subject matter or may perform transactions on different types of subject matter.
The transaction request data is generated by the first transaction system according to the received transaction instruction and is used for describing the content of each element related to the transaction to the second transaction system, so that the second transaction system can complete the transaction according to the transaction request data. The elements associated with the transaction include a transaction account, a transaction subject matter, a quantity, a subject matter unit price, a transaction time, and the like.
S204, the server acquires account transaction data of the transaction account corresponding to the transaction request data.
The account transaction data is data related to transaction generated by the transaction account before the current transaction request data is generated, and comprises an initial position, a transaction amount, a transaction object type of the transaction account, the transaction amount, a transaction object quantity, transaction time, return of income and the like.
The account transaction data and the transaction request data for the transaction account may originate from the same first transaction system or may originate from different first transaction systems.
The server may obtain and store account transaction data for each transaction account from each first transaction system prior to obtaining the transaction request data, or may request the first transaction system for obtaining the account transaction data after obtaining the transaction request data.
And S206, the server judges whether the transaction behavior of the transaction account triggers a wind control condition according to the transaction request data and the account transaction data.
The wind control condition is a condition that the transaction behavior of the transaction account is determined to generate a transaction risk, for example, the wind control condition is a condition that the transaction behavior of the transaction account is determined to be not in accordance with a transaction safety regulation, a legal regulation or a regulatory regulation. And if the transaction behavior of the transaction account triggers the wind control condition, determining that the transaction behavior can generate transaction risk and influence the transaction safety. In practical applications, the condition for controlling the wind may be, for example, a condition that the transaction account performs a self-buying and self-selling behavior, a condition that the transaction account performs a transaction behavior that does not meet a limit control, or a condition that the transaction account performs an abnormal transaction behavior. Wherein the abnormal transaction behavior is a behavior that is false or does not meet the transaction security regulations. The limit is controlled to control the amount or quantity of individual subject matter traded by the trading account to be within the limit.
Because the transaction request data of the transaction account and the account transaction data have a certain correlation, whether the transaction behavior of the transaction account triggers the wind control condition or not can not be accurately and comprehensively judged only through single transaction request data. Therefore, the server comprehensively judges the transaction request data and the account transaction data generated in different first transaction systems. For example, the wind-controlled condition is that the transaction amount of the transaction account reaches 1 billion yuan within 5 minutes, and if the transaction amount of the transaction account reaches 1 billion yuan within 5 minutes, the wind-controlled condition is triggered. If the transaction account firstly transacts 0.5 million yuan through the first transaction system A within 5 minutes and then transacts 0.4 million yuan through the first transaction system B, the server comprehensively judges the transaction request data transacting 0.5 million yuan and 0.4 million yuan.
The server receives transaction request data and account transaction data of different transaction systems, carries out comprehensive judgment according to the received data, and can supervise the transaction behavior of the transaction account through all the first transaction systems so as to judge whether the transaction behavior of the transaction account triggers a wind control condition.
And S208, when the transaction behavior of the target transaction account in the transaction account triggers the wind control condition, the server prevents the transaction request data of the target transaction account from being sent to the second transaction system.
Wherein the second transaction system may be a system that performs transaction operations based on the transaction request data. The second transaction system may be a system of a transaction platform, for example, a system that performs a transaction on a certain subject matter, through which an operation of exchanging the subject matter is performed.
When the transaction behavior of the target transaction account in the transaction account triggers the wind control condition, the server can limit the transaction behavior of the target transaction account. For example, the maximum transaction amount of the target transaction account, the transaction time, the number of transactions within a preset time period, etc. are limited. Alternatively, the server may also alert the target transaction account to prompt the manager that the target transaction account is at risk. The alarm mode can be that a text alarm prompt pops up on a management interface, or alarm information is sent to a management terminal and the like.
And S210, when the transaction behavior of the transaction account does not trigger the wind control condition, the server sends the transaction request data of the transaction account to a second transaction system.
After the server sends the transaction request data of the transaction account to the second transaction system, the transaction request data can be stored, so that whether the later transaction behavior of the transaction account meets the wind control condition or not is judged by using the stored transaction request data.
In the above embodiment, the server receives the transaction request data sent by the at least two first transaction systems through the transaction channel proxy interface, and acquires the account transaction data of the transaction account corresponding to the transaction request data. And then, the server judges whether the transaction behavior of each transaction account triggers a wind control condition according to the transaction request data and the account transaction data, and when the transaction behavior of a target transaction account in the transaction accounts triggers the wind control condition, the server prevents the transaction request data of the target transaction account from being sent to the second transaction system. The server acquires the transaction request data and the account transaction data from the plurality of first transaction systems, and comprehensively judges the acquired data, so that the accuracy of risk control is improved.
In one embodiment, the risk control method of the transaction behavior is applied to a wind control platform of a local domain; at least two first transaction systems are set up in a local domain or in the local domain and other domains; the server receives the transaction request data sent by at least two first transaction systems through the transaction channel proxy interface, and the transaction request data comprises the following steps: receiving transaction request data sent by a first transaction system of a local domain and first transaction systems of other domains through a transaction channel proxy interface; or, the transaction channel agent interface is used for receiving transaction request data sent by a first transaction system in a local area and receiving transaction request data sent by a wind control platform arranged in other areas.
Wherein the at least two first transaction systems establishing communication with the server and transmitting the transaction request data to the server may be set up in the local domain or in the local domain and in other domains than the local domain. As shown in fig. 3, the server of the local domain wind control platform may receive the transaction request data sent by the first transaction system established in all the domains through the transaction channel proxy interface.
In one embodiment, as shown in fig. 4, wind control platforms are respectively established in each region, and a server of the wind control platform of each region receives, through a transaction channel proxy interface, transaction request data sent by a first transaction system established in the region. And then, data synchronization is carried out among the wind control platforms, and the transaction request data received by other wind control platforms are obtained through the data synchronization.
In one embodiment, when one of the wind control platforms fails, the transaction request data generated by the first transaction system of the region to which the wind control platform belongs is sent to the other wind control platforms.
Under the condition that only one wind control platform is set, each first trading system sends data to the wind control platform, data congestion is easy to occur, and when the wind control platform breaks down, the trading system cannot receive trading request data and carries out risk control on corresponding trading behaviors according to the trading request data, and safety is low. Therefore, the wind control platform is respectively established in each region, and the transaction request data sent by the first transaction system arranged in each region is received, so that the data congestion can be reduced, and the transaction safety can be improved.
In one embodiment, the server determines a target wind control condition corresponding to the first transaction system according to the type of the first transaction system; acquiring a target wind control condition corresponding to a first transaction system to which the transaction request data belongs; and determining the target wind control condition as a wind control condition.
The first trading system comprises a self-supporting business type trading system, an asset management type trading system, a futures trading system, a market making business trading system, an off-site business trading system and the like. The self-supporting business type transaction system is a system for performing transactions on a subject matter with its own name and funds to a transaction operator. An asset management type transaction system is a system in which a transaction operator manages funds for other businesses or individuals. A futures trading type trading system is a system that trades futures. The marketing business transaction system is a system for carrying out transaction on the object among banks. An off-site business transaction system is a system that transacts subject matter outside of a transaction location.
The server configures corresponding target wind control conditions for each type of transaction system. And then judging whether the transaction action of the transaction account triggers a target wind control condition according to the transaction request data and the account transaction data received from the transaction system of the type. The same type of transaction system may be established in the same geographical area or in different geographical areas. For example, the server sets A, B, C three target wind control conditions for the trading system of the self-supporting business type, and then determines A, B, C three target wind control conditions for the trading request data and the account trading data received from the trading system of the self-supporting business type.
The server configures different target wind control conditions for different types of first transaction systems, and can check transaction behaviors in a targeted manner according to the characteristics of the transaction behaviors corresponding to the transaction request data generated by each first transaction system, so that the accuracy of risk control is improved.
In one embodiment, as shown in fig. 5, the step of receiving, by the server, the transaction request data sent by the at least two first transaction systems through the transaction channel proxy interface includes the following steps:
s502, monitoring the transaction channel proxy interface to monitor whether the transaction channel proxy interface receives transaction request data sent from the first transaction system. The transaction request data is data generated by the first transaction system based on the order of each transaction account.
S504, when the transaction channel proxy interface is monitored to receive the transaction request data, the transaction request data is obtained.
The entrusted order is an order which is submitted to the first transaction system by the enterprise or the individual to entrust the first transaction system to trade the entrusted object. After the first trading system audits the content in the entrusted order, if the entrusted order can pass the audit, the first trading system generates trading request data according to the entrusted order and sends the trading request data to the second trading system for trading. The content checked by the first transaction system comprises whether an account entrusted to perform transaction is registered in the first transaction system, whether the category of a transaction object meets requirements, whether the transaction quantity and the unit price of the object meet the requirements and the like.
The server receives the transaction request data sent by each first transaction system through the uniform transaction channel proxy interface, so that the transaction request data received by the server have a uniform format, and the server can manage the received data conveniently.
As shown in fig. 6, before sending the transaction request data to the second transaction system for actual transaction, the first transaction system sends the transaction request data to the wind control platform of the server, so that the wind control platform of the server determines whether the transaction behavior of the transaction account triggers the wind control condition according to the transaction request data and the account transaction data, and when the transaction behavior of the transaction account triggers the wind control condition, the transaction request data of the target transaction account is prevented from being sent to the second transaction system for transaction, the transaction behavior triggering the wind control condition is prevented from endangering the transaction security, and the transaction security is improved.
And when the transaction behavior of the transaction account does not trigger the wind control condition, the server sends the transaction request data of the target transaction account to the second transaction system for transaction. For example, for the Transaction request data for trading option futures, when the server checks the Transaction request data and the account Transaction data and determines that the corresponding Transaction behavior does not trigger the wind control condition, the server sends the Transaction request data to a Transaction gateway of a CTP (Comprehensive Transaction Platform) futures counter. For example, for transaction request data generated by a transaction with a bank, the server sends the transaction request data to the foreign exchange transaction platform gateway when the transaction request data and the account transaction data are checked and it is determined that the corresponding transaction behavior does not trigger the wind control condition.
In one embodiment, the server obtains a transaction interface type of the second transaction system; and generating a transaction channel proxy interface according to the transaction interface type.
The server generates a transaction channel proxy interface with the same type as the transaction interface of the second transaction system according to the transaction interface type of the second transaction system, so that the first transaction system can communicate with the server according to the data format for communicating with the second transaction system. Therefore, data transmission between the first transaction system and the server can be realized without modifying the original first transaction system.
It should be understood that although the steps in the flowcharts of fig. 2 and 5 are shown in sequence as indicated by the arrows, the steps are not necessarily performed in sequence as indicated by the arrows. The steps are not performed in the exact order shown and described, and may be performed in other orders, unless explicitly stated otherwise. Moreover, at least some of the steps in fig. 2 and 5 may include multiple steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, and the order of performing the steps or stages is not necessarily sequential, but may be performed alternately or alternately with other steps or at least some of the other steps or stages.
In one embodiment, as shown in fig. 7, there is provided a risk control device for trading behavior, comprising: a receiving module 702, an obtaining module 704, a judging module 706, a blocking module 708, and a sending module 710, wherein:
a receiving module 702, configured to receive, through a transaction channel proxy interface, transaction request data sent by at least two first transaction systems;
an obtaining module 704, configured to obtain account transaction data of the transaction account corresponding to the transaction request data;
the judging module 706 is configured to judge whether the transaction behavior of the transaction account triggers a wind control condition according to the transaction request data and the account transaction data;
a blocking module 708, configured to block sending of the transaction request data of the target transaction account to the second transaction system when the transaction behavior of the target transaction account in the transaction account triggers the wind control condition;
the sending module 710 is configured to send the transaction request data of the transaction account to the second transaction system when the transaction behavior of the transaction account does not trigger the wind control condition.
In the above embodiment, the server receives the transaction request data sent by the at least two first transaction systems through the transaction channel proxy interface, and acquires the account transaction data of the transaction account corresponding to the transaction request data. And then, the server judges whether the transaction behavior of each transaction account triggers a wind control condition according to the transaction request data and the account transaction data, and when the transaction behavior of a target transaction account in the transaction accounts triggers the wind control condition, the server prevents the transaction request data of the target transaction account from being sent to the second transaction system. The server acquires the transaction request data and the account transaction data from the plurality of first transaction systems, and comprehensively judges the acquired data, so that the accuracy of risk control is improved.
In one embodiment, at least two first transaction systems are established in a local domain, or in the local domain and other domains; a receiving module, further configured to:
receiving transaction request data sent by a first transaction system of a local domain and first transaction systems of other domains through a transaction channel proxy interface; alternatively, the first and second electrodes may be,
the method comprises the steps of receiving transaction request data sent by a first transaction system in a local area and receiving transaction request data sent by a wind control platform in other areas through a transaction channel proxy interface.
In one embodiment, as shown in fig. 8, the apparatus further comprises:
a determining module 712, configured to determine a target wind control condition corresponding to the first transaction system according to the type of the first transaction system;
the obtaining module 704 is further configured to obtain a target wind control condition corresponding to the first transaction system to which the transaction request data belongs;
the determining module 712 is further configured to determine the target wind control condition as a wind control condition.
In one embodiment, the receiving module 702 is further configured to:
monitoring a transaction channel proxy interface to monitor whether the transaction channel proxy interface receives transaction request data sent from a first transaction system; the transaction request data is data generated by the first transaction system according to the entrusted order of each transaction account;
and when the transaction channel agent interface is monitored to receive the transaction request data, the transaction request data is obtained.
In one embodiment, the apparatus further comprises:
an obtaining module 704, configured to obtain a transaction interface type of the second transaction system;
and a generating module 714, configured to generate the transaction channel proxy interface according to the transaction interface type.
For the specific definition of the risk control device of the transaction behavior, reference may be made to the above definition of the risk control method of the transaction behavior, which is not described herein again. The modules in the risk control device for transaction behavior described above can be implemented wholly or partially by software, hardware and a combination thereof. The modules can be embedded in a hardware form or independent from a processor in the computer device, and can also be stored in a memory in the computer device in a software form, so that the processor can call and execute operations corresponding to the modules.
In one embodiment, a computer device is provided, which may be a server, and its internal structure diagram may be as shown in fig. 9. The computer device includes a processor, a memory, and a network interface connected by a system bus. Wherein the processor of the computer device is configured to provide computing and control capabilities. The memory of the computer device comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system, a computer program, and a database. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The database of the computer device is used for storing risk control data of the transaction behavior. The network interface of the computer device is used for communicating with an external terminal through a network connection. The computer program is executed by a processor to implement a method of risk control of a transaction activity.
Those skilled in the art will appreciate that the architecture shown in fig. 9 is merely a block diagram of some of the structures associated with the disclosed aspects and is not intended to limit the computing devices to which the disclosed aspects apply, as particular computing devices may include more or less components than those shown, or may combine certain components, or have a different arrangement of components.
In one embodiment, a computer device is provided, comprising a memory and a processor, the memory having a computer program stored therein, the processor implementing the following steps when executing the computer program: receiving transaction request data sent by at least two first transaction systems through a transaction channel proxy interface; acquiring account transaction data of a transaction account corresponding to the transaction request data; judging whether the transaction behavior of the transaction account triggers a wind control condition or not according to the transaction request data and the account transaction data; when the transaction behavior of the target transaction account triggers a wind control condition, the transaction request data of the target transaction account is prevented from being sent to the second transaction system; and when the transaction behavior of the transaction account does not trigger the wind control condition, transmitting the transaction request data of the transaction account to the second transaction system.
In one embodiment, the method is applied to a local domain wind control platform; at least two first transaction systems are set up in a local domain or in the local domain and other domains; the processor, when executing the computer program, further performs the steps of: receiving transaction request data sent by a first transaction system of a local domain and first transaction systems of other domains through a transaction channel proxy interface; or, the transaction channel agent interface is used for receiving transaction request data sent by a first transaction system in a local area and receiving transaction request data sent by a wind control platform arranged in other areas.
In one embodiment, the processor, when executing the computer program, further performs the steps of: determining a target wind control condition corresponding to the first transaction system according to the type of the first transaction system; acquiring a target wind control condition corresponding to a first transaction system to which the transaction request data belongs; and determining the target wind control condition as a wind control condition.
In one embodiment, the processor, when executing the computer program, further performs the steps of: monitoring a transaction channel proxy interface to monitor whether the transaction channel proxy interface receives transaction request data sent from a first transaction system; the transaction request data is data generated by the first transaction system according to the entrusted order of each transaction account; and when the transaction channel agent interface is monitored to receive the transaction request data, the transaction request data is obtained.
In one embodiment, the processor, when executing the computer program, further performs the steps of: acquiring a transaction interface type of a second transaction system; and generating a transaction channel proxy interface according to the transaction interface type.
In one embodiment, a computer-readable storage medium is provided, having a computer program stored thereon, which when executed by a processor, performs the steps of: receiving transaction request data sent by at least two first transaction systems through a transaction channel proxy interface; acquiring account transaction data of a transaction account corresponding to the transaction request data; judging whether the transaction behavior of the transaction account triggers a wind control condition or not according to the transaction request data and the account transaction data; when the transaction behavior of the target transaction account triggers a wind control condition, the transaction request data of the target transaction account is prevented from being sent to the second transaction system; and when the transaction behavior of the transaction account does not trigger the wind control condition, transmitting the transaction request data of the transaction account to the second transaction system.
In one embodiment, the method is applied to a local domain wind control platform; at least two first transaction systems are set up in a local domain or in the local domain and other domains; the computer program when executed by the processor further realizes the steps of: receiving transaction request data sent by a first transaction system of a local domain and first transaction systems of other domains through a transaction channel proxy interface; or, the transaction channel agent interface is used for receiving transaction request data sent by a first transaction system in a local area and receiving transaction request data sent by a wind control platform arranged in other areas.
In one embodiment, the computer program when executed by the processor further performs the steps of: determining a target wind control condition corresponding to the first transaction system according to the type of the first transaction system; acquiring a target wind control condition corresponding to a first transaction system to which the transaction request data belongs; and determining the target wind control condition as a wind control condition.
In one embodiment, the computer program when executed by the processor further performs the steps of: monitoring a transaction channel proxy interface to monitor whether the transaction channel proxy interface receives transaction request data sent from a first transaction system; the transaction request data is data generated by the first transaction system according to the entrusted order of each transaction account; and when the transaction channel agent interface is monitored to receive the transaction request data, the transaction request data is obtained.
In one embodiment, the computer program when executed by the processor further performs the steps of: acquiring a transaction interface type of a second transaction system; and generating a transaction channel proxy interface according to the transaction interface type.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, database or other medium used in the embodiments provided herein can include at least one of non-volatile and volatile memory. Non-volatile Memory may include Read-Only Memory (ROM), magnetic tape, floppy disk, flash Memory, optical storage, or the like. Volatile Memory can include Random Access Memory (RAM) or external cache Memory. By way of illustration and not limitation, RAM can take many forms, such as Static Random Access Memory (SRAM) or Dynamic Random Access Memory (DRAM), among others.
The technical features of the above embodiments can be arbitrarily combined, and for the sake of brevity, all possible combinations of the technical features in the above embodiments are not described, but should be considered as the scope of the present specification as long as there is no contradiction between the combinations of the technical features.
The above-mentioned embodiments only express several embodiments of the present application, and the description thereof is more specific and detailed, but not construed as limiting the scope of the invention. It should be noted that, for a person skilled in the art, several variations and modifications can be made without departing from the concept of the present application, which falls within the scope of protection of the present application. Therefore, the protection scope of the present patent shall be subject to the appended claims.
Claims (10)
1. A method for risk control of a transaction activity, the method comprising:
receiving transaction request data sent by at least two first transaction systems through a transaction channel proxy interface;
acquiring account transaction data of a transaction account corresponding to the transaction request data;
judging whether the transaction behavior of the transaction account triggers a wind control condition or not according to the transaction request data and the account transaction data;
when the transaction behavior of the target transaction account in the transaction accounts triggers the wind control condition, preventing the transaction request data of the target transaction account from being sent to a second transaction system;
and when the transaction behavior of the transaction account does not trigger the wind control condition, sending the transaction request data of the transaction account to a second transaction system.
2. The method of claim 1, wherein the method is applied to a wind control platform of a local domain; the at least two first transaction systems are set up in the local domain, or in the local domain and other domains; the receiving, by the transaction channel proxy interface, transaction request data sent by at least two first transaction systems includes:
receiving the transaction request data sent by the first transaction system of the local domain and the first transaction system of the other domain through a transaction channel proxy interface; alternatively, the first and second electrodes may be,
and receiving transaction request data sent by a first transaction system in a local area and transaction request data sent by the wind control platform in other areas through a transaction channel proxy interface.
3. The method of claim 1, further comprising:
determining a target wind control condition corresponding to the first transaction system according to the type of the first transaction system;
acquiring a target wind control condition corresponding to a first transaction system to which the transaction request data belongs;
and determining the target wind control condition as the wind control condition.
4. The method of claim 1, wherein receiving transaction request data sent by at least two first transaction systems via a transaction channel proxy interface comprises:
monitoring the transaction channel proxy interface to monitor whether the transaction channel proxy interface receives the transaction request data sent from the first transaction system; the transaction request data is data generated by the first transaction system according to the entrusted order of each transaction account;
and when the transaction channel proxy interface is monitored to receive the transaction request data, the transaction request data is obtained.
5. The method of claim 1, further comprising:
acquiring the transaction interface type of the second transaction system;
and generating the transaction channel proxy interface according to the transaction interface type.
6. A risk control device for a transaction activity, the device comprising:
the receiving module is used for receiving transaction request data sent by at least two first transaction systems through a transaction channel proxy interface;
the acquisition module is used for acquiring account transaction data of the transaction account corresponding to the transaction request data;
the judging module is used for judging whether the transaction behavior of the transaction account triggers a wind control condition according to the transaction request data and the account transaction data;
the blocking module is used for blocking the transaction request data of the target transaction account from being sent to a second transaction system when the transaction behavior of the target transaction account in the transaction account triggers the wind control condition;
and the sending module is used for sending the transaction request data of the transaction account to a second transaction system when the transaction behavior of the transaction account does not trigger the wind control condition.
7. The apparatus according to claim 6, wherein the at least two first transaction systems are established in the local domain, or in the local domain and other domains; the receiving module is further configured to:
receiving the transaction request data sent by the first transaction system of the local domain and the first transaction system of the other domain through a transaction channel proxy interface; alternatively, the first and second electrodes may be,
and receiving transaction request data sent by a first transaction system in a local area and transaction request data sent by the wind control platform in other areas through a transaction channel proxy interface.
8. The apparatus of claim 6, further comprising:
the determining module is used for determining a target wind control condition corresponding to the first transaction system according to the type of the first transaction system;
the acquisition module is used for acquiring a target wind control condition corresponding to a first transaction system to which the transaction request data belongs;
the determining module is further configured to determine the target wind control condition as the wind control condition.
9. A computer device comprising a memory and a processor, the memory storing a computer program, characterized in that the processor, when executing the computer program, implements the steps of the method of any of claims 1 to 5.
10. A computer-readable storage medium, on which a computer program is stored, which, when being executed by a processor, carries out the steps of the method of any one of claims 1 to 5.
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