CN114140111A - Account risk evaluation method based on geographic position - Google Patents
Account risk evaluation method based on geographic position Download PDFInfo
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- CN114140111A CN114140111A CN202111399272.XA CN202111399272A CN114140111A CN 114140111 A CN114140111 A CN 114140111A CN 202111399272 A CN202111399272 A CN 202111399272A CN 114140111 A CN114140111 A CN 114140111A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
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Abstract
The invention provides an account risk evaluation method based on a geographic position, which comprises the following steps of S1: storing an account profile in an account database, wherein the account profile includes data related to a trading account, the account profile including at least a first profile rule associated with a first geographic location and a second profile rule associated with a second geographic location, the second geographic location different from the first geographic location; s2: an authorization request relating to a first payment transaction associated with a related transaction account is received by a receiving device. The account risk evaluation method based on the geographic position judges the account risk according to the geographic position migration, so that the risky account is accurately identified and locked, and the loss caused by the group utilization of hackers on the account is prevented.
Description
Technical Field
The invention relates to the technical field of risk assessment, in particular to an account risk evaluation method based on geographic positions.
Background
As the use of payment cards and other payment instruments associated with transaction accounts increases, the amount of fraud attempted with frequent success also increases, and financial institutions, payment networks, merchants, and consumers are constantly attempting to develop new methods to prevent fraud on transaction accounts.
The rule-based method strongly depends on human business understanding, one-sided understanding is likely to occur under mass data, dynamic changes of the business are not considered, and some possible risks are missed, so that the scoring result is inaccurate.
Therefore, it is necessary to provide an account risk assessment method based on geographic location to solve the above technical problems.
Disclosure of Invention
In order to solve the technical problems, the invention provides an account risk evaluation method based on the geographical location, which judges the account risk according to the geographical location migration, thereby accurately identifying the account with the risk and locking the account, and preventing the account from being lost due to the group utilization of hackers.
The account risk evaluation method based on the geographic position comprises the following steps:
s1: storing an account profile in an account database, wherein the account profile includes data related to a trading account, the account profile including at least a first profile rule associated with a first geographic location and a second profile rule associated with a second geographic location, the second geographic location different from the first geographic location;
s2: receiving, by a receiving device, an authorization request relating to a first payment transaction associated with a related transaction account;
s3: receiving, by the receiving device, an authorization request relating to a second payment transaction associated with the associated transaction account;
s4: determining, by the processing device, a validity of each received authorization request, wherein each authorization request is determined to be valid if the included geographic location is included in a geographic location corresponding to the first geographic location or the second geographic location;
s5: obtaining relation risk evaluation data of related parties corresponding to the first geographical position and the second geographical position, the first payment transaction time and the second payment transaction time; performing relation risk evaluation on the relevant party according to the relation risk evaluation data to obtain a relation risk evaluation score of the relevant party; determining a relation risk evaluation result of a relevant party according to the relation risk evaluation score of the relevant party;
s6: at least a determination of the validity of each received authorization request is sent by the sending device to the payment network to process the associated payment transaction.
The distance between the second geographical location and the first geographical location in step S1 is received by the receiving device and archived.
The first payment transaction time and the first payment transaction time in the steps S2 and S3 are received and archived by the receiving device.
Reading the business attributes of the user account in the steps S2 and S3 and reading the financial data of the user account through a reading module.
And performing data auditing on the financial data through an auditing module to ensure the accuracy of the financial data.
And judging whether the account has the risk of abnormal login behaviors such as number stealing, utilization by others or one number for multiple purposes and the like through the risk characteristic judging module according to the payment geographic position and the payment time stored by the receiving device.
And a risk scoring model generation module is used for calculating the evidence weight WOE of each value of the risk characteristics and obtaining a risk scoring model according to the WOE.
And the risk scoring calculation module is used for inputting the account information to be analyzed into the risk scoring model to obtain a risk scoring result.
And when the risk scoring result judges that the login behavior with the risk exceeds the preset times, sending verification information to the account and temporarily locking the account to prevent the account from being used by others to make an attack behavior.
The risk characteristic judgment module can be realized by a logic circuit or a chip, or is installed on the existing high-performance computing terminal.
Compared with the related art, the account risk evaluation method based on the geographic position has the following beneficial effects:
when an account logs in, the login geographical position of the account is acquired, the geographical position and the time of the last login are inquired, whether the account has risks of abnormal login behaviors such as number stealing, utilization by other people or one number for multiple purposes and the like is judged according to the time interval and the geographical position distance of two logins and the predicted traffic time between the geographical positions, and when the login behaviors with the risks exceed the preset times, verification information is sent to the account and the account is temporarily locked, so that the account is prevented from being utilized by other people to make an attack behavior, and the account risk is judged according to geographical position migration, so that the risky account is accurately identified and locked, and the loss caused by the group utilization of the account is prevented.
Detailed Description
The present invention will be further described with reference to the following embodiments.
The account risk evaluation method based on the geographic position comprises the following steps:
s1: storing an account profile in an account database, wherein the account profile includes data related to a transaction account, the account profile including at least a first profile rule associated with a first geographic location and a second profile rule associated with a second geographic location, the second geographic location different from the first geographic location;
s2: receiving, by a receiving device, an authorization request relating to a first payment transaction associated with a related transaction account;
s3: receiving, by the receiving device, an authorization request relating to a second payment transaction associated with the associated transaction account;
s4: determining, by the processing device, a validity of each received authorization request, wherein each authorization request is determined to be valid if the included geographic location is included in a geographic location corresponding to the first geographic location or the second geographic location;
s5: obtaining relation risk evaluation data of related parties corresponding to the first geographical position and the second geographical position, the first payment transaction time and the second payment transaction time; performing relation risk evaluation on the relevant party according to the relation risk evaluation data to obtain a relation risk evaluation score of the relevant party; determining a relation risk evaluation result of the relevant party according to the relation risk evaluation value of the relevant party;
s6: at least a determination of the validity of each received authorization request is sent by the sending device to the payment network to process the associated payment transaction.
The distance between the second geographical location and the first geographical location is received by the receiving device and archived in step S1.
The first payment transaction time and the first payment transaction time in steps S2 and S3 are received by the receiving means and archived.
Reading the business attributes of the user account in the steps S2 and S3 and reading the financial data of the user account through the reading module.
And the financial data is subjected to data auditing through the auditing module, so that the accuracy of the financial data is ensured.
And judging whether the account has the risk of abnormal login behaviors such as number stealing, utilization by others or one number for multiple purposes and the like through the risk characteristic judging module according to the payment geographic position and the payment time stored by the receiving device.
And calculating the evidence weight WOE of each value of the risk characteristics through a risk scoring model generation module, and obtaining a risk scoring model according to the WOE.
And the risk scoring calculation module is used for inputting the account information to be analyzed into the risk scoring model to obtain a risk scoring result.
And when the risk scoring result judges that the login behavior with the risk exceeds the preset times, sending verification information to the account and temporarily locking the account to prevent the account from being used by others to make an attack behavior.
The risk characteristic judgment module can be realized by a logic circuit or a chip, or is installed on the existing high-performance computing terminal.
The working principle of the account risk evaluation method based on the geographic position provided by the invention is as follows:
storing an account profile in an account database, wherein the account profile includes data related to a trading account, the account profile including at least a first profile rule associated with a first geographic location and a second profile rule associated with a second geographic location, the second geographic location different from the first geographic location; receiving, by a receiving device, an authorization request relating to a first payment transaction associated with a related transaction account; receiving, by the receiving device, an authorization request relating to a second payment transaction associated with the associated transaction account; determining, by the processing device, a validity of each received authorization request, wherein each authorization request is determined to be valid if the included geographic location is included in a geographic location corresponding to the first geographic location or the second geographic location; obtaining relation risk evaluation data of related parties corresponding to the first geographical position and the second geographical position, the first payment transaction time and the second payment transaction time; performing relation risk evaluation on the relevant party according to the relation risk evaluation data to obtain a relation risk evaluation score of the relevant party; determining a relation risk evaluation result of a relevant party according to the relation risk evaluation score of the relevant party; sending, by the sending device, at least a determination of the validity of each received authorization request to the payment network to process the associated payment transaction; the distance between the second geographical position and the first geographical position is received and filed through a receiving device; the first payment transaction time and the first payment transaction time are received and filed through the receiving device; reading the service attribute of a user account and the financial data of the user account through a reading module; data auditing is carried out on the financial data through an auditing module, and the accuracy of the financial data is ensured; judging whether the account has risks of abnormal login behaviors such as number stealing, utilization by others or one number for multiple purposes and the like according to the payment geographic position and the payment time stored in the receiving device by a risk characteristic judging module; a risk score model generation module is used for calculating the evidence weight WOE of each value of the risk characteristics and obtaining a risk score model according to the WOE; the risk scoring calculation module is used for inputting the account information to be analyzed into the risk scoring model to obtain a risk scoring result; when the risk scoring result judges that the login behavior with the risk exceeds the preset times, sending verification information to the account and temporarily locking the account to prevent the account from being used by others to make an attack behavior; the invention is characterized in that when an account logs in, the logging geographical position of the account is obtained, the geographical position and the time of the last logging are inquired, whether the account has risks of abnormal logging behaviors such as number stealing, utilization by other people or multiple purposes of a number according to the time interval and the geographical position distance of two times of logging in and the expected traffic time between the geographical positions is judged, when the logging behavior with risks exceeds the preset times, verification information is sent to the account and the account is temporarily locked, the account is prevented from being utilized by other people to make an attack behavior, the risk of the account is judged according to geographical position migration, the risky account is accurately identified and locked, and the loss caused by the group utilization of hackers on the account is prevented.
In the description of the present invention, it should be noted that the terms "center", "upper", "lower", "left", "right", "vertical", "horizontal", "inner", "outer", etc. indicate orientations or positional relationships and are only for convenience in describing the present invention and simplifying the description, but do not indicate or imply that the referred device or element must have a specific orientation, be constructed in a specific orientation, and be operated, and thus should not be construed as limiting the present invention.
The above description is only an embodiment of the present invention, and not intended to limit the scope of the present invention, and all modifications of equivalent structures and equivalent processes, or direct or indirect applications in other related fields, which are made by the contents of the present specification, are included in the scope of the present invention.
Claims (10)
1. The account risk evaluation method based on the geographic position is characterized by comprising the following steps of:
s1: storing an account profile in an account database, wherein the account profile includes data related to a trading account, the account profile including at least a first profile rule associated with a first geographic location and a second profile rule associated with a second geographic location, the second geographic location different from the first geographic location;
s2: receiving, by a receiving device, an authorization request relating to a first payment transaction associated with a related transaction account;
s3: receiving, by the receiving device, an authorization request relating to a second payment transaction associated with the associated transaction account;
s4: determining, by the processing device, a validity of each received authorization request, wherein each authorization request is determined to be valid if the included geographic location is included in a geographic location corresponding to the first geographic location or the second geographic location;
s5: obtaining relation risk evaluation data of related parties corresponding to the first geographical position and the second geographical position, the first payment transaction time and the second payment transaction time; performing relation risk evaluation on the relevant party according to the relation risk evaluation data to obtain a relation risk evaluation score of the relevant party; determining a relation risk evaluation result of a relevant party according to the relation risk evaluation score of the relevant party;
s6: at least a determination of the validity of each received authorization request is sent by the sending device to the payment network to process the associated payment transaction.
2. The method for evaluating the risk of the account based on the geographic location of claim 1, wherein the distance between the second geographic location and the first geographic location is received and archived by a receiving device in the step S1.
3. The method of claim 1, wherein the time of the first payment transaction and the time of the first payment transaction in steps S2 and S3 are received and archived by a receiving device.
4. The method for assessing account risk based on geographical location according to claim 1, wherein the business attributes of the user account and the reading financial data of the user account in steps S2 and S3 are read by a reading module.
5. The method according to claim 4, wherein the financial data is subjected to data auditing by an auditing module to ensure the accuracy of the financial data.
6. The method for evaluating the risk of the account based on the geographic position as recited in any one of claims 1 to 3, wherein the payment geographic position and the payment time stored in the receiving device are judged by a risk characteristic judgment module.
7. The geographic location based account risk assessment method of claim 6, wherein the evidence weight WOE for each value of said risk characteristic yields a risk scoring model based on said WOE.
8. The geographic location based account risk assessment method of claim 7, wherein said risk score calculation module analyzes an account information input risk score model.
9. The method of claim 8, wherein the risk scoring determines at-risk sign-on behavior.
10. The account risk assessment method based on geographic location according to claim 6, wherein the risk characteristic judgment module can be implemented by a logic circuit or a chip, or installed in an existing high-performance computing terminal.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111399272.XA CN114140111A (en) | 2021-11-19 | 2021-11-19 | Account risk evaluation method based on geographic position |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202111399272.XA CN114140111A (en) | 2021-11-19 | 2021-11-19 | Account risk evaluation method based on geographic position |
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| CN114140111A true CN114140111A (en) | 2022-03-04 |
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| CN202111399272.XA Pending CN114140111A (en) | 2021-11-19 | 2021-11-19 | Account risk evaluation method based on geographic position |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116362756A (en) * | 2023-05-30 | 2023-06-30 | 万联易达物流科技有限公司 | Automatic payment wind control method and system |
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2021
- 2021-11-19 CN CN202111399272.XA patent/CN114140111A/en active Pending
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN116362756A (en) * | 2023-05-30 | 2023-06-30 | 万联易达物流科技有限公司 | Automatic payment wind control method and system |
| CN116362756B (en) * | 2023-05-30 | 2023-08-01 | 万联易达物流科技有限公司 | Automatic payment wind control method and system |
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