CN112926992A - Risk control method and device for order receiving service - Google Patents
Risk control method and device for order receiving service Download PDFInfo
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Abstract
The invention provides a risk control method and a device for an order receiving service, wherein the method comprises the following steps: receiving a first risk control parameter set through a preset parameter configuration page; generating a first risk control policy based on the first risk control parameter; and configuring the first risk control strategy into an order receiving service system and carrying out risk control on transaction data in the order receiving service system according to the first risk control strategy. The invention can meet the risk control requirements of different users, and reduce and prevent the success rate of fraudulent transactions to the maximum extent; and the information configuration can be rapidly realized after the risk control requirement changes, and the flexibility, the safety and the stability of the order receiving service system are improved.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a risk control method and device for an order receiving service.
Background
With the rapid development of business, the acquiring organization still faces many risks such as merchant cash register, information disclosure and the like in the operation process, and necessary risk management measures need to be taken in each link of the business, so that financial and reputation losses are reduced and avoided. The merchant bill receiving business risk refers to various possibilities that the rights of bill receiving organizations, special merchants, cardholders or other parties are damaged due to various reasons in the process of developing the merchant bill receiving business. And the risk control refers to the behavior of identifying, preventing, controlling and processing the business risk of the merchant in the business process of receiving the order.
Most of the current risk control strategies are implemented in programs based on existing algorithms through hard coding, fixed risk control logics are hard coded in application applets through software programming, the applets are deployed on a server, when a transaction is sent, message contents are screened according to advanced logic, the transaction is passed or rejected, and therefore fixed risk control is achieved.
The coding application program can only realize fixed risk control, if the risk control requirement changes, the program code needs to be modified again, and the application needs to be compiled and deployed again, so that the period is long, and the real-time sensitivity to the risk control does not exist. Moreover, risk control requirements of different enterprises may be different, personalized configuration cannot be realized for coding applications, and the problems of poor flexibility and poor stability exist, so that user experience is seriously influenced.
Disclosure of Invention
Aiming at the problems in the prior art, the invention provides a risk control method and a risk control device for an order receiving service, which can meet the risk control requirements of different users and reduce and prevent the success rate of fraudulent transactions to the maximum extent; the flexibility, the safety and the stability of the order receiving service system are improved.
In order to solve the technical problems, the invention provides the following technical scheme:
in a first aspect, the present invention provides a risk control method for an order receiving service, including:
receiving a first risk control parameter set through a preset parameter configuration page;
generating a first risk control policy based on the first risk control parameter;
and configuring the first risk control strategy into an order receiving service system and carrying out risk control on transaction data in the order receiving service system according to the first risk control strategy.
Further, before receiving the risk control parameter set through the preset parameter configuration page, the method further includes:
and receiving a first unlocking secret key, and calling a preset parameter configuration page if the first unlocking secret key is the same as a reserved second unlocking secret key.
Further, still include:
receiving a second risk control parameter set through a preset parameter configuration page;
generating a second risk control policy based on the second risk control parameter;
and configuring the second risk control strategy into an order receiving service system, storing the first risk control strategy and carrying out risk control on transaction data in the order receiving service system according to the second risk control strategy.
Further, still include:
and configuring the second risk control strategy into the order receiving service system, and performing risk control on the transaction data in the order receiving service system according to the first risk control strategy and the second risk control strategy.
Further, still include:
determining transaction data with risks in the risk control result;
sending the transaction data to a manual investigation terminal and receiving investigation results of the manual investigation terminal on the transaction data;
and updating the risk control parameters corresponding to the current risk control strategy according to the investigation result.
Further, still include:
acquiring domain value configuration information corresponding to transaction data in a receipt service system;
and carrying out risk control on the debit message in the transaction data according to the existing domain value control constraint.
Wherein the risk control parameters include: role dimension data and constraint condition data;
the first unlocking key includes: password information and biometric information.
In a second aspect, the present invention provides a risk control device for an order receiving service, including:
the configuration unit is used for receiving a first risk control parameter set through a preset parameter configuration page;
a policy unit for generating a first risk control policy based on the first risk control parameter;
and the risk control unit is used for configuring the first risk control strategy into the order receiving service system and carrying out risk control on the transaction data in the order receiving service system according to the first risk control strategy.
In a third aspect, the present invention provides an electronic device, which includes a memory, a processor, and a computer program stored in the memory and executable on the processor, where the processor executes the computer program to implement the steps of the method for controlling the risk of an order taking service.
In a fourth aspect, the present invention provides 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 an order taking service.
According to the technical scheme, the invention provides a risk control method and device for an order receiving service, which receive a first risk control parameter set through a preset parameter configuration page; generating a first risk control policy based on the first risk control parameter; the first risk control strategy is configured into the order receiving service system, and the risk control is carried out on the transaction data in the order receiving service system according to the first risk control strategy, so that the risk control requirements of different users can be met, and the success rate of fraudulent transactions is reduced and prevented to the maximum extent; and the information configuration can be rapidly realized after the risk control requirement changes, and the flexibility, the safety and the stability of the order receiving service system are improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly introduced below, and it is obvious that the drawings in the following description are some embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to these drawings without creative efforts.
Fig. 1 is a first flowchart of a risk control method for an order receiving service in an embodiment of the present invention.
Fig. 2 is a second flow chart of the risk control method for an order receiving service in the embodiment of the present invention.
Fig. 3 is a third flow diagram of a risk control method for an order receiving service in the embodiment of the present invention.
Fig. 4 is a fourth flowchart illustrating a risk control method for an order receiving service in an embodiment of the present invention.
Fig. 5 is a fifth flowchart illustrating a risk control method for an order receiving service in an embodiment of the present invention.
Fig. 6 is a schematic structural diagram of a risk control device of an order receiving service in an embodiment of the present invention.
Fig. 7 is a schematic structural diagram of an electronic device in an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the embodiments of the present invention clearer, the technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are some, but not all, embodiments of the present invention. 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 invention.
The present invention provides an embodiment of a risk control method for an order receiving service, and referring to fig. 1, the risk control method for an order receiving service specifically includes the following contents:
s101: receiving a first risk control parameter set through a preset parameter configuration page;
in this step, the service personnel enters a preset parameter configuration page under the specific path to set the risk control parameters. For example: business personnel enter basic information configuration transaction of a merchant, enter a merchant number through a password keyboard, read POS terminal information through wireless connection of an internet POS (or through an SIM card and a flow connection special line POS), obtain card information through a bank card reading and writing device, and set limiting items such as total transaction number, total amount, transaction type, card distribution type number, amount and the like in a period of time to control transaction flow.
The risk control parameters in this embodiment include: role dimension data and constraint condition data;
wherein the role dimension data comprises: the method comprises the following steps of merchant management dimension, terminal management dimension, card management dimension and transaction processing dimension, wherein the corresponding constraint condition of each dimension comprises the following steps:
merchant management dimension:
1. and the merchant white list, when the transaction uploading mode is an offline card number transferring mode, only merchants with allowed flag bits in the white list can allow authorization through the host.
2. And the merchant transaction mode mapping table configures the input modes of the online and online merchants according to the merchant numbers and states so as to prevent a cashier from selecting a wrong transaction uploading mode by mistake and causing rate errors.
3. The merchant transaction amount and stroke number limiting table specifically comprises upper and lower limits of single transaction amount of an individual merchant, upper limits of transaction total amount of the individual merchant, upper limits of transaction total amount of group merchants, upper limits of transaction times of one card in one day of the same merchant, and specific setting of whether card types (visa, master, jcb, amex and dinner) are divided or not.
Terminal management dimension:
1. the POS terminal information table specifically relates to the number and the state of a terminal and the matching relation between the terminal and a merchant to which the terminal belongs.
2. And the terminal serial number information specifically comprises a serial number initial value and a step value, the transmitted serial number of each transaction is subjected to standard and boundary value check, and the transaction is recorded and returned when the transaction is not in compliance.
Card management dimension:
1. the logic in the risk control method judges whether the transaction mode (DE 22 field of message) and the card two-magnet information uploading condition (DE35 field of message) are consistent, for example, whether the magnetic stripe card and the chip card are uploaded by card swiping (contact) or card waving (non-contact) mode, the two-magnet information is necessarily uploaded, and the other modes do not need to upload the two magnets. If not, the transaction is returned and included in the violation transaction information repository.
2. When the card-swiping transaction is sent, two magnetic information (DE35 field) in a POS (point of sale) message is checked and verified, whether a specific flag bit D is included or not and whether the 6 th bit is a specific value 1 or not are determined, and if the specific flag bit D and the 6 th bit are not in conformity, the transaction is returned and is counted into a violation transaction library.
3. The card number is checked for normality and validity and the transaction is returned if it is not in compliance.
Transaction processing dimension:
1. the merchant blacklist configures the upper limit of the times of degradation transactions (fallback transactions, namely when the card chip information cannot be read, degradation is carried out to the magnetic stripe card swiping transaction and uploading) between the merchant and the card type.
2. And configuring the DCC transaction authority of the merchant and the format of the POS terminal printing receipt.
3. When the transaction is processed by the bank host and the card organization authorization system is required to be sent, whether the DE22 domain (transaction mode domain), the transaction type and the DE55 domain (IC data domain) of the sent message conform to the corresponding relation or not is judged, and type tampering is prevented.
S102: generating a first risk control policy based on the first risk control parameter;
in the step, an executable risk control strategy is generated according to the role dimension data and the constraint condition data in the risk control parameters, so that the risk control is carried out on the transaction data in the order receiving business system based on the risk control strategy.
S103: and configuring the first risk control strategy into an order receiving service system and carrying out risk control on transaction data in the order receiving service system according to the first risk control strategy.
In this step, the risk control policy is entered into the order receiving business system through the information and takes effect in real time, and the order receiving business system automatically reads the configured risk control policy in the database.
For example: the risk control strategy is a constraint on transaction amount and limit of a merchant, when the merchant has online transaction, the transaction amount and limit initiated by the merchant can be automatically recorded, and when the transaction amount exceeds the configured limit amount, the request of the online transaction is automatically rejected.
It should be noted that the risk control strategy does not affect the service data, is suitable for detecting the transaction sent from each channel, and can provide a risk factor configuration interface for the service based on the original hard coding risk control mode, thereby improving the flexibility, the security and the stability of the order receiving service system.
As can be seen from the above description, in the risk control method for an order receiving service provided in the embodiment of the present invention, a first risk control parameter set through a preset parameter configuration page is received; generating a first risk control policy based on the first risk control parameter; the first risk control strategy is configured into the order receiving service system, and the risk control is carried out on the transaction data in the order receiving service system according to the first risk control strategy, so that the risk control requirements of different users can be met, and the success rate of fraudulent transactions is reduced and prevented to the maximum extent; and the information configuration can be rapidly realized after the risk control requirement changes, and the flexibility, the safety and the stability of the order receiving service system are improved.
In an embodiment of the present invention, referring to fig. 2, the risk control method for an order receiving service further includes the following contents:
s100: and receiving a first unlocking secret key, and calling a preset parameter configuration page if the first unlocking secret key is the same as a reserved second unlocking secret key. Wherein the unlocking key comprises: password information and biometric information.
In this embodiment, since the order receiving service system has a higher security requirement, before receiving the first risk control parameter set by the preset parameter configuration page, the parameter configuration page can be entered only after the unlocking key is completely matched with the previously collected unlocking key.
In this embodiment, the unlocking key includes fingerprint matching and face verification.
In an embodiment of the present invention, referring to fig. 3, the method for controlling risk of an order receiving service further includes the following contents:
s201: receiving a second risk control parameter set through a preset parameter configuration page;
s202: generating a second risk control policy based on the second risk control parameter;
s203: and configuring the second risk control strategy into an order receiving service system, storing the first risk control strategy and carrying out risk control on transaction data in the order receiving service system according to the second risk control strategy.
S204: and configuring the second risk control strategy into the order receiving service system, and performing risk control on the transaction data in the order receiving service system according to the first risk control strategy and the second risk control strategy.
In this embodiment, when the first risk control parameter cannot meet the current risk management and control requirement, the first risk control parameter is changed or the risk control parameter is input again, so as to obtain a second risk control parameter meeting the current risk management and control requirement. And generating a risk control strategy based on the second risk control parameter and carrying out risk control on the transaction data in the order receiving service system based on the risk control strategy. Or more constraints are required to be added to the current first risk control parameter, a second risk control strategy is generated according to the received second risk control parameter, and the first risk control strategy and the second risk control strategy jointly carry out risk control on transaction data in the order receiving service system, so that the flexibility, the safety and the stability of the order receiving service system are improved.
It should be noted that the updated or replaced first risk control policy is convenient for subsequent reuse, and the flexibility of the order receiving service system can be improved.
In an embodiment of the present invention, referring to fig. 4, the method for controlling risk of an order receiving service further includes the following contents:
s104: determining transaction data with risks in the risk control result;
s105: sending the transaction data to a manual investigation terminal and receiving investigation results of the manual investigation terminal on the transaction data;
s106: and updating the risk control parameters corresponding to the current risk control strategy according to the investigation result.
In this embodiment, risk control is performed on transaction data in the receipt service system according to a risk control strategy, whether risk exists in each transaction in the transaction data is determined, a merchant transaction behavior needs to be terminated in time on the transaction data with the risk, a risk statistical report (merchant angle, card angle, transaction card type angle, amount angle, occurrence frequency angle and the like) is generated and provided according to the transaction data with the risk, and the risk statistical report is sent to a manual investigation terminal for service personnel to perform subsequent manual investigation, so that transaction risk is prevented quickly and effectively.
And the risk control parameters corresponding to the currently effective risk control strategy can be updated according to the manual investigation result, and the flexibility, the safety and the stability of the order receiving business system are improved.
In an embodiment of the present invention, referring to fig. 5, the method for controlling risk of an order receiving service further includes the following steps:
s107: acquiring domain value configuration information corresponding to transaction data in a receipt service system;
s108: and carrying out risk control on the debit message in the transaction data according to the existing domain value control constraint.
In this embodiment, the receipt service system may be organized and deployed in a front-end processor of a bank by a wireless connection card, and obtain the domain value configuration information of the upload message through communication with a program of the front-end processor, and service personnel newly adds or changes the domain value check logic to perform risk control of the debit message according to the feedback domain value configuration.
For example, a service person first reads a return report (a report is printed out by a printer connected with the device) of the front-end processor to obtain the currently existing domain value control, then adds a logic according to the supervision requirement, and configures the attribution type of the risk control under the added domain value, such as the attribute of a merchant, the transaction amount, the transaction fee, the transaction mode, the matching degree of a magnetic track and an IC data domain, and the like. When the receipt service system carries out clearing message processing, different types of risk check can be carried out on the corresponding threshold value of each request message according to the configuration information, and the flexibility, the safety and the stability of the receipt service system can be improved.
An embodiment of the present invention provides a specific implementation manner of a risk control device for an order receiving service, which can implement all contents in the risk control method for an order receiving service, and referring to fig. 6, the risk control device for an order receiving service specifically includes the following contents:
a configuration unit 10, configured to receive a first risk control parameter set through a preset parameter configuration page;
a policy unit 20 for generating a first risk control policy based on the first risk control parameter;
and the risk control unit 30 is configured to configure the first risk control policy to the order receiving service system and perform risk control on the transaction data in the order receiving service system according to the first risk control policy.
Further, still include:
and the encryption unit is used for receiving the first unlocking secret key, and calling a preset parameter configuration page if the first unlocking secret key is the same as the reserved second unlocking secret key.
Further, still include:
the second configuration unit is used for receiving a second risk control parameter set through a preset parameter configuration page;
a second policy unit for generating a second risk control policy based on the second risk control parameter;
and the third risk control unit is used for configuring the second risk control strategy into the order receiving service system, storing the first risk control strategy and carrying out risk control on the transaction data in the order receiving service system according to the second risk control strategy.
Further, still include:
and the fourth risk control unit is used for configuring the second risk control strategy into the order receiving service system and carrying out risk control on the transaction data in the order receiving service system according to the first risk control strategy and the second risk control strategy.
Further, still include:
the identification unit is used for determining transaction data with risks in the risk control result;
the checking unit is used for sending the transaction data to the manual checking terminal and receiving a checking result of the manual checking terminal on the transaction data;
and the updating unit is used for updating the risk control parameters corresponding to the current risk control strategy according to the investigation result.
Further, still include:
the domain value configuration unit is used for acquiring domain value configuration information corresponding to transaction data in the receipt service system;
and the message risk control unit is used for carrying out risk control on the debit message in the transaction data according to the existing domain value control constraint.
Wherein the risk control parameters include: role dimension data and constraint condition data; the first unlocking key includes: password information and biometric information.
The embodiment of the risk control device for an order receiving service provided by the present invention may be specifically used for executing the processing flow of the embodiment of the risk control method for an order receiving service in the above embodiment, and the functions thereof are not described herein again, and refer to the detailed description of the embodiment of the method.
As can be seen from the above description, the risk control device for an order receiving service provided in the embodiment of the present invention receives a first risk control parameter set through a preset parameter configuration page; generating a first risk control policy based on the first risk control parameter; the first risk control strategy is configured into the order receiving service system, and the risk control is carried out on the transaction data in the order receiving service system according to the first risk control strategy, so that the risk control requirements of different users can be met, and the success rate of fraudulent transactions is reduced and prevented to the maximum extent; and the information configuration can be rapidly realized after the risk control requirement changes, and the flexibility, the safety and the stability of the order receiving service system are improved.
The present application provides an embodiment of an electronic device for implementing all or part of contents in the risk control method for an order receiving service, where the electronic device specifically includes the following contents:
a processor (processor), a memory (memory), a communication Interface (Communications Interface), and a bus; the processor, the memory and the communication interface complete mutual communication through the bus; the communication interface is used for realizing information transmission between related devices; the electronic device may be a desktop computer, a tablet computer, a mobile terminal, and the like, but the embodiment is not limited thereto. In this embodiment, the electronic device may refer to an embodiment of the risk control method for implementing the order receiving service and an embodiment of the risk control device for implementing the order receiving service, which are incorporated herein, and repeated details are not repeated herein.
Fig. 7 is a schematic block diagram of a system configuration of an electronic device 9600 according to an embodiment of the present application. As shown in fig. 7, the electronic device 9600 can include a central processor 9100 and a memory 9140; the memory 9140 is coupled to the central processor 9100. Notably, this fig. 7 is exemplary; other types of structures may also be used in addition to or in place of the structure to implement telecommunications or other functions.
In one embodiment, the risk control function of the order taking service may be integrated into the central processor 9100. The central processor 9100 may be configured to control as follows:
receiving a first risk control parameter set through a preset parameter configuration page; generating a first risk control policy based on the first risk control parameter; and configuring the first risk control strategy into an order receiving service system and carrying out risk control on transaction data in the order receiving service system according to the first risk control strategy.
As can be seen from the above description, the electronic device provided in the embodiments of the present application configures a first risk control parameter set through a preset parameter configuration page by receiving the first risk control parameter; generating a first risk control policy based on the first risk control parameter; the first risk control strategy is configured into the order receiving service system, and the risk control is carried out on the transaction data in the order receiving service system according to the first risk control strategy, so that the risk control requirements of different users can be met, and the success rate of fraudulent transactions is reduced and prevented to the maximum extent; and the information configuration can be rapidly realized after the risk control requirement changes, and the flexibility, the safety and the stability of the order receiving service system are improved.
In another embodiment, the risk control device of the order receiving service may be configured separately from the central processor 9100, for example, the risk control device of the order receiving service may be configured as a chip connected to the central processor 9100, and the risk control function of the order receiving service is realized by the control of the central processor.
As shown in fig. 7, the electronic device 9600 may further include: a communication module 9110, an input unit 9120, an audio processor 9130, a display 9160, and a power supply 9170. It is noted that the electronic device 9600 also does not necessarily include all of the components shown in fig. 7; further, the electronic device 9600 may further include components not shown in fig. 7, which may be referred to in the art.
As shown in fig. 7, a central processor 9100, sometimes referred to as a controller or operational control, can include a microprocessor or other processor device and/or logic device, which central processor 9100 receives input and controls the operation of the various components of the electronic device 9600.
The memory 9140 can be, for example, one or more of a buffer, a flash memory, a hard drive, a removable media, a volatile memory, a non-volatile memory, or other suitable device. The information relating to the failure may be stored, and a program for executing the information may be stored. And the central processing unit 9100 can execute the program stored in the memory 9140 to realize information storage or processing, or the like.
The input unit 9120 provides input to the central processor 9100. The input unit 9120 is, for example, a key or a touch input device. Power supply 9170 is used to provide power to electronic device 9600. The display 9160 is used for displaying display objects such as images and characters. The display may be, for example, an LCD display, but is not limited thereto.
The memory 9140 can be a solid state memory, e.g., Read Only Memory (ROM), Random Access Memory (RAM), a SIM card, or the like. There may also be a memory that holds information even when power is off, can be selectively erased, and is provided with more data, an example of which is sometimes called an EPROM or the like. The memory 9140 could also be some other type of device. Memory 9140 includes a buffer memory 9141 (sometimes referred to as a buffer). The memory 9140 may include an application/function storage portion 9142, the application/function storage portion 9142 being used for storing application programs and function programs or for executing a flow of operations of the electronic device 9600 by the central processor 9100.
The memory 9140 can also include a data store 9143, the data store 9143 being used to store data, such as contacts, digital data, pictures, sounds, and/or any other data used by an electronic device. The driver storage portion 9144 of the memory 9140 may include various drivers for the electronic device for communication functions and/or for performing other functions of the electronic device (e.g., messaging applications, contact book applications, etc.).
The communication module 9110 is a transmitter/receiver 9110 that transmits and receives signals via an antenna 9111. The communication module (transmitter/receiver) 9110 is coupled to the central processor 9100 to provide input signals and receive output signals, which may be the same as in the case of a conventional mobile communication terminal.
Based on different communication technologies, a plurality of communication modules 9110, such as a cellular network module, a bluetooth module, and/or a wireless local area network module, may be provided in the same electronic device. The communication module (transmitter/receiver) 9110 is also coupled to a speaker 9131 and a microphone 9132 via an audio processor 9130 to provide audio output via the speaker 9131 and receive audio input from the microphone 9132, thereby implementing ordinary telecommunications functions. The audio processor 9130 may include any suitable buffers, decoders, amplifiers and so forth. In addition, the audio processor 9130 is also coupled to the central processor 9100, thereby enabling recording locally through the microphone 9132 and enabling locally stored sounds to be played through the speaker 9131.
An embodiment of the present invention further provides a computer-readable storage medium capable of implementing all the steps in the risk control method for an order receiving service in the foregoing embodiment, where the computer-readable storage medium stores a computer program, and the computer program, when executed by a processor, implements all the steps of the risk control method for an order receiving service in the foregoing embodiment, for example, when the processor executes the computer program, implements the following steps:
receiving a first risk control parameter set through a preset parameter configuration page; generating a first risk control policy based on the first risk control parameter; and configuring the first risk control strategy into an order receiving service system and carrying out risk control on transaction data in the order receiving service system according to the first risk control strategy.
As can be seen from the above description, the computer-readable storage medium provided in the embodiment of the present invention configures a first risk control parameter set by a page by receiving a preset parameter; generating a first risk control policy based on the first risk control parameter; the first risk control strategy is configured into the order receiving service system, and the risk control is carried out on the transaction data in the order receiving service system according to the first risk control strategy, so that the risk control requirements of different users can be met, and the success rate of fraudulent transactions is reduced and prevented to the maximum extent; and the information configuration can be rapidly realized after the risk control requirement changes, and the flexibility, the safety and the stability of the order receiving service system are improved.
Although the present invention provides method steps as described in the examples or flowcharts, more or fewer steps may be included based on routine or non-inventive labor. The order of steps recited in the embodiments is merely one manner of performing the steps in a multitude of orders and does not represent the only order of execution. When an actual apparatus or client product executes, it may execute sequentially or in parallel (e.g., in the context of parallel processors or multi-threaded processing) according to the embodiments or methods shown in the figures.
As will be appreciated by one skilled in the art, embodiments of the present description may be provided as a method, apparatus (system) or computer program product. Accordingly, embodiments of the present description may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, the present invention 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 invention is described with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the invention. 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.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict. The present invention is not limited to any single aspect, nor is it limited to any single embodiment, nor is it limited to any combination and/or permutation of these aspects and/or embodiments. Moreover, each aspect and/or embodiment of the present invention may be utilized alone or in combination with one or more other aspects and/or embodiments thereof.
Finally, it should be noted that: the above embodiments are only used to illustrate the technical solution of the present invention, and not to limit the same; while the invention has been described in detail and with reference to the foregoing embodiments, it will be understood by those skilled in the art that: the technical solutions described in the foregoing embodiments may still be modified, or some or all of the technical features may be equivalently replaced; such modifications and substitutions do not depart from the spirit and scope of the present invention, and they should be construed as being included in the following claims and description.
Claims (10)
1. A risk control method for order receiving service is characterized by comprising the following steps:
receiving a first risk control parameter set through a preset parameter configuration page;
generating a first risk control policy based on the first risk control parameter;
and configuring the first risk control strategy into an order receiving service system and carrying out risk control on transaction data in the order receiving service system according to the first risk control strategy.
2. The risk control method of an order receiving service according to claim 1, wherein before receiving the risk control parameter set through a preset parameter configuration page, the method further comprises:
and receiving a first unlocking secret key, and calling a preset parameter configuration page if the first unlocking secret key is the same as a reserved second unlocking secret key.
3. The risk control method for an order taking service according to claim 1, further comprising:
receiving a second risk control parameter set through a preset parameter configuration page;
generating a second risk control policy based on the second risk control parameter;
and configuring the second risk control strategy into an order receiving service system, storing the first risk control strategy and carrying out risk control on transaction data in the order receiving service system according to the second risk control strategy.
4. The risk control method of an order taking service according to claim 3, further comprising:
and configuring the second risk control strategy into the order receiving service system, and performing risk control on the transaction data in the order receiving service system according to the first risk control strategy and the second risk control strategy.
5. The risk control method for an order taking service according to claim 1, further comprising:
determining transaction data with risks in the risk control result;
sending the transaction data to a manual investigation terminal and receiving investigation results of the manual investigation terminal on the transaction data;
and updating the risk control parameters corresponding to the current risk control strategy according to the investigation result.
6. The risk control method for an order taking service according to claim 1, further comprising:
acquiring domain value configuration information corresponding to transaction data in a receipt service system;
and carrying out risk control on the debit message in the transaction data according to the existing domain value control constraint.
7. The method of claim 2, wherein the risk control parameters comprise: role dimension data and constraint condition data;
the first unlocking key includes: password information and biometric information.
8. A risk control device for an order taking service, comprising:
the configuration unit is used for receiving a first risk control parameter set through a preset parameter configuration page;
a policy unit for generating a first risk control policy based on the first risk control parameter;
and the risk control unit is used for configuring the first risk control strategy into the order receiving service system and carrying out risk control on the transaction data in the order receiving service system according to the first risk control strategy.
9. An electronic device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, characterized in that the processor implements the steps of the method for risk control of an order taking service according to any of claims 1 to 7 when executing said program.
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 for risk control of an order taking service according to any one of claims 1 to 7.
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