CN114511244A - Risk early warning method for characteristic value transfer and related device - Google Patents
Risk early warning method for characteristic value transfer and related device Download PDFInfo
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- 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
- G06Q10/00—Administration; Management
- G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
- G06Q10/063—Operations research, analysis or management
- G06Q10/0635—Risk analysis of enterprise or organisation activities
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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
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/349—Rechargeable cards
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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
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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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
Abstract
The application discloses a risk early warning method for characteristic value transfer and a related device, the method comprises the steps of obtaining a characteristic value transfer request sent by a characteristic value transfer party, wherein the characteristic value transfer request comprises a first characteristic value account and a second characteristic value account, matching the second characteristic value account with an account in a game platform data pool, if the matching is successful, indicating that the characteristic value transfer party is a game platform, the characteristic value transfer party executes recharging operation, judging whether the characteristic value transfer party transfers the characteristic value for the first time to the characteristic value transfer party according to the first characteristic value account and the second characteristic value account, if the characteristic value transfer party is the first time, possibly having characteristic value transfer risk, sending a living body detection request to the characteristic value transfer party, if the characteristic value transfer party does not pass the living body detection, the recharging with a high probability that a minor embezzles a bank card of a family, sending characteristic value transfer risk prompt information to the characteristic value transfer party, so that the situation that minors steal the bank cards of family members to carry out game recharging can occur.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a risk early warning method for characteristic value transfer and a related device.
Background
With the continuous maturity of internet technology, the number of various game platforms and games is continuously increased, the number of games needing recharging is increased, the events that minors steal bank card accounts of families to recharge the games are more and more, and the condition that the minors can really get the return of game companies is rare after the minors are found by the families.
Therefore, how to prevent minors from stealing the bank cards of the family members to carry out game recharging becomes a problem to be solved urgently.
Disclosure of Invention
In order to solve the problems, the application provides a risk early warning method for characteristic value transfer and a related device, which can prevent the situation that minors steal bank cards of family members to carry out game recharging.
Based on this, the embodiment of the application discloses the following technical scheme:
in one aspect, an embodiment of the present application provides a risk early warning method for feature value transfer, where the method includes:
acquiring a characteristic value transfer request sent by a characteristic value transfer party, wherein the characteristic value transfer request comprises a first characteristic value account corresponding to the characteristic value transfer party and a second characteristic value account corresponding to a characteristic value transfer party;
matching the second characteristic value account with accounts in a game platform data pool, wherein the game platform data pool comprises accounts corresponding to a plurality of game platforms respectively;
if the matching is successful, judging whether the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time;
if the characteristic value is the first time, sending a living body detection request to the characteristic value transfer party;
and if the characteristic value transfer party does not pass the living body detection, sending out characteristic value transfer risk prompt information.
Optionally, the method further includes:
if not, acquiring attribute information of the first characteristic value account;
inputting the attribute information into a data model pool to obtain a risk value, wherein the data model pool comprises one or more of a first data model and a second data model;
if the characteristic value transfer risk is determined to exist according to the risk value, sending out characteristic value transfer risk prompt information;
wherein, if the attribute information is the current day cumulative number and the current day cumulative value of transferring the feature value from the first feature value account to the second feature value account, the inputting the attribute information into the data model pool to obtain the risk value includes:
inputting the current day accumulated times and the current day accumulated value into the first data model to obtain corresponding risk values, wherein the first data model is used for determining the risk values according to whether the current day accumulated times are greater than a time threshold value and whether the current day accumulated value is greater than a first money threshold value;
if the attribute information is the target transfer frequency and the target transfer value from the first characteristic value account to the second characteristic value account, the inputting the attribute information into a data model pool to obtain a risk value includes:
and inputting the target transfer frequency and the target transfer value into the second data model to obtain a corresponding risk value, wherein the second data model is used for determining the risk value according to whether the difference value between the target transfer frequency and the historical transfer frequency is smaller than a frequency threshold value and whether the difference value between the target transfer value and the historical transfer value is smaller than a second money value.
Optionally, the data model pool further includes one or more of a third data model and a fourth data model, and if the attribute information is the target transfer data, the inputting the attribute information into the data model pool to obtain a risk value includes:
inputting the target transfer value into the third data model to obtain a corresponding risk value, wherein the third data model is used for determining a risk value according to whether the target transfer value is matched with the asset level gear of the holder of the first characteristic value account;
if the attribute information is the marital status and age information of the characteristic value transfer party, inputting the attribute information into a data model pool to obtain a risk value, wherein the method comprises the following steps:
inputting the marital status and the age information into the fourth data model to obtain a corresponding risk value, the fourth data model being used to determine whether a probability that a family of a holder of the first characteristic-value account has minors is greater than a fertility threshold.
Optionally, if the data model pool includes a first data model, a second data model, a third data model and a fourth data model, the method further includes:
setting a risk ratio for each data model in the data model pool, wherein a second risk ratio corresponding to the second data model is larger than a first risk ratio corresponding to the first data model, the first risk ratio is larger than a third risk ratio corresponding to the third data model, and the third risk ratio is larger than a fourth risk ratio corresponding to the fourth data model;
if the characteristic value transfer risk is determined to exist according to the risk value, sending out characteristic value transfer risk prompt information, wherein the characteristic value transfer risk prompt information comprises the following steps:
determining a comprehensive risk value according to the first risk proportion, the second risk proportion, the third risk proportion, the fourth risk proportion and the risk value obtained according to each data model;
and if the comprehensive risk value is larger than the comprehensive risk threshold value, sending out characteristic value transfer risk prompt information.
Optionally, the method further includes:
adjusting the first, second, third, and fourth risk ratios according to a machine learning algorithm.
Optionally, if the first characteristic value account is identified as a tag that does not allow game recharging, after the second characteristic value account is matched with an account in a game platform data pool, the method further includes:
and if the matching is successful, sending characteristic value transfer risk prompt information to a preset user.
On the other hand this application provides a risk early warning device that eigenvalue shifts, the device includes: the device comprises an acquisition unit, a matching unit, a judgment unit, a sending unit and a prompt unit;
the obtaining unit is used for obtaining a characteristic value transfer request sent by a characteristic value transfer party, wherein the characteristic value transfer request comprises a first characteristic value account corresponding to the characteristic value transfer party and a second characteristic value account corresponding to a characteristic value transfer party;
the matching unit is used for matching the second characteristic value account with accounts in a game platform data pool, and the game platform data pool comprises accounts corresponding to a plurality of game platforms respectively;
the judging unit is used for judging whether the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time or not if the matching is successful;
the sending unit is used for sending a living body detection request to the characteristic value roll-out party if the living body detection request is the first time;
and the prompting unit is used for sending out characteristic value transfer risk prompting information if the characteristic value transfer party does not pass the living body detection.
In another aspect, the present application provides a computer device comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to perform the method of the above aspect according to instructions in the program code.
In another aspect the present application provides a computer readable storage medium for storing a computer program for performing the method of the above aspect.
In another aspect, embodiments of the present application provide a computer program product or a computer program, which includes computer instructions stored in a computer-readable storage medium. The processor of the computer device reads the computer instructions from the computer-readable storage medium, and the processor executes the computer instructions to cause the computer device to perform the method of the above aspect.
The above technical scheme of this application's advantage lies in:
obtaining a characteristic value transfer request sent by a characteristic value transfer party, wherein the characteristic value transfer request comprises a first characteristic value account corresponding to the characteristic value transfer party and a second characteristic value account corresponding to the characteristic value transfer party, matching the second characteristic value account with an account in a game platform data pool, the game platform data pool comprises a plurality of accounts corresponding to the game platforms respectively, if the matching is successful, the characteristic value transfer party is a game platform, the characteristic value transfer party is executing a recharging operation to the game platform, judging whether the characteristic value transfer party transfers the characteristic value for the first time to the characteristic value transfer party according to the first characteristic value account and the second characteristic value account, namely whether the characteristic value transfer party charges on the game platform for the first time or not, if the characteristic value transfer party is the first time, a characteristic value transfer risk possibly exists, sending a living body detection request to the characteristic value transfer party, and if the characteristic value transfer party does not pass the living body detection, the major probability of the recharging is realized by the minors stealing the bank cards of the family, and the characteristic value transfer risk prompt information is sent to the characteristic value transfer party, so that the condition that the minors steal the bank cards of the family to recharge the game occurs.
Drawings
In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings needed to be used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present application, and other drawings can be obtained by those skilled in the art without creative efforts.
Fig. 1 is a flowchart of a risk early warning method for characteristic value transfer according to an embodiment of the present disclosure;
fig. 2 is a schematic diagram of a risk early warning apparatus for characteristic value transfer according to an embodiment of the present disclosure;
fig. 3 is a block diagram of a computer device according to an embodiment of the present disclosure.
Detailed Description
In order to make the technical solutions of the present application better understood, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the drawings in the embodiments of the present application, and it is obvious that the described embodiments are only a part of the embodiments of the present application, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present application.
With the development of internet technology, the number of mobile payment users is increasing, and the demand of users is also increasing. The side needing to transfer the characteristic value is the characteristic value transfer side, and the side needing to receive the characteristic value transferred by the characteristic value transfer side is the characteristic value transfer side. In the embodiment of the present application, the feature value transferring party may be a user, or represent a person in charge of a company or an enterprise, and the feature value transferring party may also be a user, or represent a person in charge of a company or an enterprise. The feature value transfer causes the feature values held by the feature value transfer party and the feature value transfer party to change, the total number of the feature values held by the feature value transfer party decreases, and the total number of the feature values held by the feature value transfer party increases.
The characteristic value is a representation of an asset, which may be a virtual asset, or may have a target physical asset, a financial product, or the like. The user can transfer the characteristic value held by the user to other users, so that the goods, the services and the like of other users can be obtained. The characteristic values described in this application are stored in electronic money in a bank card.
There are generally two ways for game recharge, platform coin payout and non-platform coin payout. The non-platform currency payment is to convert electronic currency stored in a bank card into platform currency, and then convert the platform currency into a virtual game object in a consumption form, and the platform currency payment is also to convert the electronic currency in the bank card into the platform currency in advance, so that a bank end can identify the characteristic value transfer of a user, and if the risk that a minor embezzles the bank card of a family to carry out game recharging exists, characteristic value transfer risk prompt information is sent.
With reference to fig. 1, a risk early warning method for characteristic value transfer provided in the embodiment of the present application is described below. Referring to fig. 1, the figure is a flowchart of a risk early warning method for characteristic value transfer provided in an embodiment of the present application, and the specific method is as follows:
s101: and acquiring a characteristic value transfer request sent by a characteristic value transfer party.
If the user executes the operation of transferring the characteristic value from the bank card through a terminal device (such as a mobile phone with a bank client) and the like, a characteristic value transfer request is sent to a server (a bank end) of a bank, wherein the characteristic value transfer request comprises a first characteristic value account corresponding to a characteristic value transfer party and a second characteristic value account corresponding to a characteristic value transfer party, so that the characteristic value in the first characteristic value account is transferred to the second characteristic value account.
S102: and matching the second characteristic value account with the account in the game platform data pool.
After the user recharges the game through the bank card, the bank end transfers the characteristic value in the account corresponding to the user to the characteristic value account corresponding to the game platform. Based on the method, in order to identify the recharging operation of the user, the bank end establishes a game platform data pool, places accounts corresponding to a plurality of game platforms into the game platform data pool respectively, and continuously updates and records so as to ensure the accuracy of the identification of the recharging operation of the game.
S103: and if the matching is successful, judging whether the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time.
And if the second characteristic value account is successfully matched with the account in the game platform data pool, the characteristic value transfer party performs game recharging operation. It can be understood that if the second characteristic value account fails to match with the account in the game platform data pool, the characteristic value transfer party does not perform the game recharging operation.
The behavior of the minor who steals the bank card of the family for game recharging is usually sporadic, and on the basis, after the second characteristic value account is successfully matched with the account in the game platform data pool, whether the first characteristic value account transfers the characteristic value to the second characteristic value account or not can be judged, for example, whether the current characteristic value transfer operation is the first time or not can be judged according to the transaction of the first characteristic value account and the second characteristic value account.
The method for judging whether the characteristic value transfer party transfers the characteristic value to the characteristic value transfer party for the first time according to the first characteristic value account and the second characteristic value account is not specifically limited in the application, for example, a dynamic account record of the first characteristic value account is called, and a characteristic value history record transferred to the second characteristic value account is determined according to whether the dynamic account record has the characteristic value history record, etc.
S104: and if so, sending a living body detection request to the characteristic value roll-out party.
And if the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time, the probability that the minor embezzles the bank card of the family to carry out game recharging is higher, and a living body detection request is sent to the characteristic value transfer party so as to prove that the current characteristic value transfer operation is not the minor.
The living body detection mode is not particularly limited, such as face detection, pupil detection, fingerprint detection and the like.
S105: and if the characteristic value transfer party does not pass the living body detection, sending out characteristic value transfer risk prompt information.
If the characteristic value transfer party passes the living body detection, the current characteristic value transfer operation is executed by the user; if the characteristic value transfer party passes the living body detection or gives up the living body detection, the probability that the current characteristic value transfer operation is executed by a minor adult is high, and a characteristic value transfer risk prompt is sent.
The embodiment of the present application does not specifically limit the manner of the risk prompting of the characteristic value transfer, for example, the risk prompting information is sent to a phone reserved in a bank by a holder of the first characteristic value account. For another example, the characteristic value transfer risk prompting information is sent to the characteristic value transfer party, so that the terminal device held by the characteristic value transfer party can send out the characteristic value transfer risk prompt such as an alarm sound.
According to the technical scheme, the characteristic value transfer request sent by the characteristic value transfer party is obtained, the characteristic value transfer request comprises a first characteristic value account corresponding to the characteristic value transfer party and a second characteristic value account corresponding to the characteristic value transfer party, the second characteristic value account is matched with accounts in a game platform data pool, the game platform data pool comprises a plurality of accounts corresponding to game platforms respectively, if the matching is successful, the characteristic value transfer party is a game platform, the characteristic value transfer party executes recharging operation to the game platform, whether the characteristic value transfer party transfers the characteristic value to the characteristic value transfer party for the first time or not is judged according to the first characteristic value account and the second characteristic value account, namely whether the characteristic value transfer party recharges on the game platform for the first time or not, if the characteristic value transfer party recharges, the characteristic value transfer risk possibly exists for the first time, and a living body detection request is sent to the characteristic value transfer party, if the characteristic value transfer party does not pass the living body detection, the recharging with high probability is realized by the fact that the minor steals the bank card of the family, and the characteristic value transfer risk prompt information is sent to the characteristic value transfer party, so that the situation that the minor steals the bank card of the family to recharge the game occurs.
In order to make the technical solution provided by the embodiment of the present application clearer, the risk early warning method for characteristic value transfer provided by the embodiment of the present application is described below with an example.
S201: and acquiring a characteristic value transfer request sent by a characteristic value transfer party.
The characteristic value transfer request comprises a first characteristic value account corresponding to a characteristic value transfer party and a second characteristic value account corresponding to a characteristic value transfer party.
S202: and matching the second characteristic value account with the account in the game platform data pool.
The game platform data pool comprises accounts corresponding to the game platforms respectively.
S203: if the matching is successful, judging whether the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time, if so, executing S204; if not, go to S206.
S204: and sending a living body detection request to the characteristic value roll-out party.
S205: and if the characteristic value transfer party does not pass the living body detection, sending out characteristic value transfer risk prompt information.
S206: and acquiring attribute information of the first characteristic value account.
The attribute information is some information related to the holder of the first characteristic value account, such as the current day accumulated times and the current day accumulated amount of transferring the characteristic value from the first characteristic value account to the second characteristic value account, the transfer time and the transfer value of each historical characteristic value transfer, and the like.
S207: and inputting the attribute information into a data model pool to obtain a risk value.
The data model pool includes one or more data models, and four data models are described below as an example.
(1) And the first data model is used for determining the risk value according to whether the current day accumulated times of transferring the characteristic value from the first characteristic value account to the second characteristic value account is greater than a time threshold value and whether the current day accumulated value of transferring the characteristic value from the first characteristic value account to the second characteristic value account is greater than a first money threshold value.
If the attribute information is the current day accumulated times and the current day accumulated value, the current day accumulated times and the current day accumulated value are input into the first data model, and whether the user has multiple recharging transaction records and whether the accumulated transaction amount is abnormal or not on the current day can be analyzed through the first data model. If the user has multiple recharging records and the accumulated amount is higher on the same day, the risk of the characteristic value transfer is higher, and the risk value is higher correspondingly.
Wherein the risk value is used for describing the possibility that the minors steal the bank cards of the family members for game recharge. For example, the game is expressed by a percentile system value, wherein 0 represents that minors must not steal the bank cards of family members for game recharge; 100 represents that minors must steal the bank card of family members to carry out game recharge and the like.
(2) And the second data model is used for determining the risk value according to whether the difference value between the target transfer frequency and the historical transfer frequency of transferring the characteristic value from the first characteristic value account to the second characteristic value account is smaller than the frequency threshold value or not and whether the difference value between the target transfer value and the historical transfer value of transferring the characteristic value from the first characteristic value account to the second characteristic value account is smaller than the second sum value or not.
And if the attribute information is the target transfer frequency and the target transfer numerical value, inputting the target transfer frequency and the target transfer numerical value into a second data model, and analyzing whether the user has historical recharging transaction records with similar frequency and basically similar quota or not through the second data model. If the user does not have historical recharging transaction records with similar frequency and similar amount in history, the risk of the characteristic value transfer is higher, and the risk value is higher correspondingly.
The target transfer frequency is the transfer frequency of the first characteristic value account transferring the characteristic value to the second characteristic value account in combination with the current characteristic value transfer operation. The target transfer value is the size of the feature value transferred in the present feature value transfer operation.
(3) And the third data model is used for determining a risk value according to whether the target transfer value is matched with the asset level gear of the holder of the first characteristic value account.
If the attribute information is a target transfer value, inputting the target transfer value into a third data model, and analyzing whether the current characteristic value transfer conforms to the consumption habits of the holder of the first characteristic value account or not through the third data model, if the asset level gear of the holder of the first characteristic value account belongs to the middle-low income level, the monthly account amount of the holder of the first characteristic value account is small, the monthly expenditure amount is mostly life guarantee consumption, and the entertainment and the game consumption are less, the risk of the current characteristic value transfer is higher, and the current characteristic value transfer corresponds to a higher risk value.
The monthly entrance amount gear and the monthly expenditure amount gear and category of the user can be analyzed by combining personal asset liability information, income, expenditure conditions and the like of the user, the consumption habits of the user are intelligently analyzed, and the asset level gear corresponding to the user is obtained. It should be noted that the income level can be defined as a reasonable threshold value through social research.
(4) A fourth data model for determining a risk value based on whether a probability that a family of a holder of the first characteristic value account has minor is greater than a fertility threshold.
If the attribute information is the marital status and the age information of the characteristic value transfer-out party, the marital status and the age information are input into a fourth data model, the probability that the family of the holder of the first characteristic value account has minor can be analyzed through the fourth data model, and if the holder of the first characteristic value account is married and the age of the holder of the first characteristic value account is that minor children with certain behavior ability may exist, the risk of the characteristic value transfer in the current time is high, and the risk corresponds to a high risk value.
The reasonability judgment can be carried out by establishing a fourth data model according to the marital condition and the age stage of the user by combining the personal information portrait of the user. An immature child with certain behavioral abilities may be a 5-14 year old immature child.
S208: and if the characteristic value transfer risk is determined to exist according to the risk value, sending out characteristic value transfer risk prompt information.
As a possible implementation manner, a comprehensive risk threshold may be set, and when the risk value obtained through the data model in the data model pool is greater than the comprehensive risk threshold, it is determined that the present feature value transfer is risky, and a feature value transfer risk prompt message is sent.
If the pool of data models includes a first data model, a second data model, a third data model, and a fourth data model, one possible implementation of S208 is introduced below by S2081-S2084.
S2081: a risk ratio is set for each data model in the pool of data models.
The risk proportion corresponding to the first data model is a first risk proportion, the risk proportion corresponding to the second data model is a second risk proportion, the risk proportion corresponding to the third data model is a third risk proportion, and the risk proportion corresponding to the fourth data model is a fourth risk proportion.
It should be noted that, for the situation that the first characteristic value account transfers the characteristic value to the second characteristic value account for the non-first time, the minor is analyzed to steal the bank card of the family for game recharging, the effect of the second data model is greater than that of the first data model, the effect of the third data model is greater than that of the fourth data model, and therefore the second risk ratio is greater than the first risk ratio and greater than the third risk ratio and greater than the fourth risk ratio.
As a possible implementation, the sum of the first risk proportion, the second risk proportion, the third risk proportion and the fourth risk proportion is 1.
S2082: and determining a comprehensive risk value according to the first risk proportion, the second risk proportion, the third risk proportion and the fourth risk proportion and the risk value obtained according to each data model.
Multiplying the corresponding risk value obtained by the first data model by the first risk ratio, multiplying the corresponding risk value obtained by the second data model by the second risk ratio, multiplying the corresponding risk value obtained by the third data model by the third risk ratio, multiplying the corresponding risk value obtained by the fourth data model by the fourth risk ratio, and adding the four values obtained by multiplication to obtain a comprehensive risk value.
S2083: and if the comprehensive risk value is larger than the comprehensive risk threshold value, sending out characteristic value transfer risk prompt information.
If the comprehensive risk value is larger than the comprehensive risk threshold value, the probability that the risk exists in the feature value transfer is high, and a feature value transfer risk prompt can be sent out.
A person skilled in the art may set the number threshold, the first amount threshold, the frequency threshold, the second amount value, the birth threshold, and the comprehensive risk threshold according to actual needs, which is not specifically limited in the present application.
As a possible implementation manner, a machine learning algorithm is introduced, and the first risk proportion, the second risk proportion, the third risk proportion and the fourth risk proportion are adjusted according to the machine learning algorithm, for example, the basic judgment result and the actual recharging transaction result are continuously self-learned and optimized, so that the accuracy of the model is continuously improved, and the accuracy of the risk value is improved.
Aiming at the situation that minors are fostered in the alternate era and parents do work outside, the parents can set a game recharging disallowance function for own bank cards and bank cards of the ancestors on the bank cards, the corresponding characteristic value accounts have labels of game recharging disallowance, and at the moment, S209 is executed after S202, S209: if the matching is successful, sending a characteristic value transfer risk prompt message to a preset user, wherein the preset user can be a parent and the like. Therefore, the condition that the old people like the deceased grandfather milk and the like carry out the living body detection when the minors carry out the game recharging for the first time can be avoided.
In addition to the risk early warning method for characteristic value transfer provided in the embodiment of the present application, a risk early warning device for characteristic value transfer is also provided, as shown in fig. 2, including: an acquisition unit 201, a matching unit 202, a judgment unit 203, a transmission unit 204 and a presentation unit 205;
the obtaining unit 201 is configured to obtain a feature value transfer request sent by a feature value transferring party, where the feature value transfer request includes a first feature value account corresponding to the feature value transferring party and a second feature value account corresponding to a feature value transferring party;
the matching unit 202 is configured to match the second feature value account with an account in a game platform data pool, where the game platform data pool includes accounts corresponding to multiple game platforms respectively;
the judging unit 203 is configured to, if the matching is successful, judge whether the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time;
the sending unit 204 is configured to send a biopsy request to the eigenvalue transferor if the biometric authentication request is received for the first time;
the prompting unit 205 is configured to send a characteristic value transfer risk prompting message if the characteristic value transfer party fails to pass the live body detection.
As a possible implementation manner, the obtaining unit 201 is further configured to obtain, if not for the first time, attribute information of the first feature value account;
the device further comprises an input unit, a risk value obtaining unit and a risk value obtaining unit, wherein the input unit is used for inputting the attribute information into a data model pool, and the data model pool comprises one or more of a first data model and a second data model;
the prompting unit 205 is configured to send a characteristic value transfer risk prompting message if it is determined that a characteristic value transfer risk exists according to the risk value;
wherein, if the attribute information is the current day cumulative number and the current day cumulative value of transferring the feature value from the first feature value account to the second feature value account, the input unit is configured to:
inputting the current day accumulated times and the current day accumulated value into the first data model to obtain corresponding risk values, wherein the first data model is used for determining the risk values according to whether the current day accumulated times are greater than a time threshold value and whether the current day accumulated value is greater than a first money threshold value;
if the attribute information is the target transfer frequency and the target transfer value for transferring the feature value from the first feature value account to the second feature value account, the input unit is configured to:
and inputting the target transfer frequency and the target transfer value into the second data model to obtain a corresponding risk value, wherein the second data model is used for determining the risk value according to whether the difference value between the target transfer frequency and the historical transfer frequency is smaller than a frequency threshold value and whether the difference value between the target transfer value and the historical transfer value is smaller than a second money value.
As a possible implementation manner, the data model pool further includes one or more of a third data model and a fourth data model, the input unit is configured to input the target transfer value into the third data model to obtain a corresponding risk value, and the third data model is configured to determine a risk value according to whether the target transfer value matches an asset level gear of the holder of the first characteristic value account;
if the attribute information is the marital status and the age information of the characteristic value transfer-out party, the input unit is used for inputting the marital status and the age information into the fourth data model to obtain a corresponding risk value, and the fourth data model is used for determining whether the probability that the family of the holder of the first characteristic value account has minors is larger than a fertility threshold value or not.
As a possible implementation manner, if the data model pool includes a first data model, a second data model, a third data model, and a fourth data model, the apparatus further includes a parameter unit, configured to set a risk ratio for each data model in the data model pool, where a second risk ratio corresponding to the second data model is greater than a first risk ratio corresponding to the first data model, the first risk ratio is greater than a third risk ratio corresponding to the third data model, and the third risk ratio is greater than a fourth risk ratio corresponding to the fourth data model;
the prompting unit 205 is configured to:
determining a comprehensive risk value according to the first risk proportion, the second risk proportion, the third risk proportion, the fourth risk proportion and the risk value obtained according to each data model;
and if the comprehensive risk value is larger than the comprehensive risk threshold value, sending out characteristic value transfer risk prompt information.
As a possible implementation manner, the apparatus further includes a parameter adjusting unit, configured to adjust the first risk proportion, the second risk proportion, the third risk proportion, and the fourth risk proportion according to a machine learning algorithm.
As a possible implementation manner, if the first characteristic value account is identified as a tag that does not allow game recharging, the prompting unit 205 is configured to send characteristic value transfer risk prompting information to a preset user if matching is successful after the second characteristic value account is matched with an account in the game platform data pool.
According to the scheme, the characteristic value transfer request sent by the characteristic value transfer party is obtained, the characteristic value transfer request comprises a first characteristic value account corresponding to the characteristic value transfer party and a second characteristic value account corresponding to the characteristic value transfer party, the second characteristic value account is matched with accounts in a game platform data pool, the game platform data pool comprises a plurality of accounts corresponding to game platforms respectively, if the matching is successful, the characteristic value transfer party is a game platform, the characteristic value transfer party carries out recharging operation to the game platform, whether the characteristic value transfer party transfers the characteristic value to the characteristic value transfer party for the first time or not is judged according to the first characteristic value account and the second characteristic value account, namely whether the characteristic value transfer party charges on the game platform for the first time or not, if the characteristic value transfer party charges on the game platform for the first time, the characteristic value transfer risk possibly exists, and a living body detection request is sent to the characteristic value transfer party, if the characteristic value transfer party does not pass the living body detection, the recharging with high probability is realized by the fact that the minor steals the bank card of the family, and the characteristic value transfer risk prompt information is sent to the characteristic value transfer party, so that the situation that the minor steals the bank card of the family to recharge the game occurs.
An embodiment of the present application further provides a computer device, referring to fig. 3, which shows a structural diagram of a computer device provided in an embodiment of the present application, and as shown in fig. 3, the device includes a processor 310 and a memory 320:
the memory 310 is used for storing program codes and transmitting the program codes to the processor;
the processor 320 is configured to execute any one of the above-mentioned methods for risk pre-warning of feature value transfer according to the instructions in the program code.
The embodiment of the application provides a computer-readable storage medium, which is used for storing a computer program, and the computer program is used for executing any one of the above-mentioned feature value transfer risk early warning methods provided by the embodiments.
Embodiments of the present application also provide a computer program product or computer program comprising computer instructions stored in a computer-readable storage medium. The computer instructions are read by a processor of the computer device from a computer-readable storage medium, and the computer instructions are executed by the processor to enable the computer device to execute the risk pre-warning method for characteristic value transfer provided in various optional implementation manners of the above aspects.
It should be noted that, in the present specification, the embodiments are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the system or the device disclosed by the embodiment, the description is simple because the system or the device corresponds to the method disclosed by the embodiment, and the relevant points can be referred to the method part for description.
It should be understood that in the present application, "at least one" means one or more, "a plurality" means two or more. "and/or" for describing an association relationship of associated objects, indicating that there may be three relationships, e.g., "a and/or B" may indicate: only A, only B and both A and B are present, wherein A and B may be singular or plural. The character "/" generally indicates that the former and latter associated objects are in an "or" relationship. "at least one of the following" or similar expressions refer to any combination of these items, including any combination of single item(s) or plural items. For example, at least one (one) of a, b, or c, may represent: a, b, c, "a and b", "a and c", "b and c", or "a and b and c", wherein a, b and c may be single or plural.
It is further noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The steps of a method or algorithm described in connection with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of the two. A software module may reside in Random Access Memory (RAM), memory, Read Only Memory (ROM), electrically programmable ROM, electrically erasable programmable ROM, registers, hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.
The previous description of the disclosed embodiments is provided to enable any person skilled in the art to make or use the present application. Various modifications to these embodiments will be readily apparent to those skilled in the art, and the generic principles defined herein may be applied to other embodiments without departing from the spirit or scope of the application. Thus, the present application is not intended to be limited to the embodiments shown herein but is to be accorded the widest scope consistent with the principles and novel features disclosed herein.
Claims (10)
1. A risk early warning method for characteristic value transfer is characterized by comprising the following steps:
acquiring a characteristic value transfer request sent by a characteristic value transfer party, wherein the characteristic value transfer request comprises a first characteristic value account corresponding to the characteristic value transfer party and a second characteristic value account corresponding to a characteristic value transfer party;
matching the second characteristic value account with accounts in a game platform data pool, wherein the game platform data pool comprises accounts corresponding to a plurality of game platforms respectively;
if the matching is successful, judging whether the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time;
if the characteristic value is the first time, sending a living body detection request to the characteristic value transfer party;
and if the characteristic value transfer party does not pass the living body detection, sending out characteristic value transfer risk prompt information.
2. The method of claim 1, further comprising:
if not, acquiring attribute information of the first characteristic value account;
inputting the attribute information into a data model pool to obtain a risk value, wherein the data model pool comprises one or more of a first data model and a second data model;
if the characteristic value transfer risk is determined to exist according to the risk value, sending out characteristic value transfer risk prompt information;
wherein, if the attribute information is the current day cumulative number and the current day cumulative value of transferring the feature value from the first feature value account to the second feature value account, the inputting the attribute information into the data model pool to obtain the risk value includes:
inputting the current day accumulated times and the current day accumulated value into the first data model to obtain corresponding risk values, wherein the first data model is used for determining the risk values according to whether the current day accumulated times are greater than a time threshold value and whether the current day accumulated value is greater than a first money threshold value;
if the attribute information is the target transfer frequency and the target transfer value from the first characteristic value account to the second characteristic value account, the inputting the attribute information into a data model pool to obtain a risk value includes:
and inputting the target transfer frequency and the target transfer value into the second data model to obtain a corresponding risk value, wherein the second data model is used for determining the risk value according to whether the difference between the target transfer frequency and the historical transfer frequency is smaller than a frequency threshold value and whether the difference between the target transfer frequency and the historical transfer value is smaller than a second money value.
3. The method of claim 2, wherein the pool of data models further comprises one or more of a third data model and a fourth data model, and wherein if the attribute information is the target transfer data, the inputting the attribute information into the pool of data models to obtain a risk value comprises:
inputting the target transfer value into the third data model to obtain a corresponding risk value, wherein the third data model is used for determining a risk value according to whether the target transfer value is matched with the asset level gear of the holder of the first characteristic value account;
if the attribute information is the marital status and age information of the characteristic value transfer party, inputting the attribute information into a data model pool to obtain a risk value, wherein the method comprises the following steps:
inputting the marital status and the age information into the fourth data model to obtain a corresponding risk value, the fourth data model being used to determine whether a probability that a family of a holder of the first characteristic-value account has minors is greater than a fertility threshold.
4. The method of claim 3, wherein if the pool of data models includes a first data model, a second data model, a third data model, and a fourth data model, the method further comprises:
setting a risk ratio for each data model in the data model pool, wherein a second risk ratio corresponding to the second data model is larger than a first risk ratio corresponding to the first data model, the first risk ratio is larger than a third risk ratio corresponding to the third data model, and the third risk ratio is larger than a fourth risk ratio corresponding to the fourth data model;
if the characteristic value transfer risk is determined to exist according to the risk value, sending out characteristic value transfer risk prompt information, wherein the characteristic value transfer risk prompt information comprises the following steps:
determining a comprehensive risk value according to the first risk proportion, the second risk proportion, the third risk proportion, the fourth risk proportion and the risk value obtained according to each data model;
and if the comprehensive risk value is larger than the comprehensive risk threshold value, sending out characteristic value transfer risk prompt information.
5. The method of claim 4, further comprising:
adjusting the first, second, third, and fourth risk ratios according to a machine learning algorithm.
6. The method of any of claims 1-5, wherein if the first characteristic value account is identified as a ticket that does not allow game top-up, after matching the second characteristic value account with an account in a game platform data pool, the method further comprises:
and if the matching is successful, sending characteristic value transfer risk prompt information to a preset user.
7. A risk early warning device for characteristic value transfer, the device comprising: the device comprises an acquisition unit, a matching unit, a judgment unit, a sending unit and a prompt unit;
the obtaining unit is used for obtaining a characteristic value transfer request sent by a characteristic value transfer party, wherein the characteristic value transfer request comprises a first characteristic value account corresponding to the characteristic value transfer party and a second characteristic value account corresponding to a characteristic value transfer party;
the matching unit is used for matching the second characteristic value account with accounts in a game platform data pool, and the game platform data pool comprises accounts corresponding to a plurality of game platforms respectively;
the judging unit is used for judging whether the first characteristic value account transfers the characteristic value to the second characteristic value account for the first time or not if the matching is successful;
the sending unit is used for sending a living body detection request to the characteristic value roll-out party if the living body detection request is the first time;
and the prompting unit is used for sending out characteristic value transfer risk prompting information if the characteristic value transfer party does not pass the living body detection.
8. A computer device, the device comprising a processor and a memory:
the memory is used for storing program codes and transmitting the program codes to the processor;
the processor is configured to perform the method of any of claims 1-6 according to instructions in the program code.
9. A computer-readable storage medium, characterized in that the computer-readable storage medium is used to store a computer program for performing the method of any of claims 1-6.
10. A computer program product comprising a computer program or instructions; the computer program or instructions, when executed by a processor, perform the method of any of claims 1-6.
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202210170110.7A CN114511244A (en) | 2022-02-23 | 2022-02-23 | Risk early warning method for characteristic value transfer and related device |
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| Application Number | Priority Date | Filing Date | Title |
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| CN202210170110.7A CN114511244A (en) | 2022-02-23 | 2022-02-23 | Risk early warning method for characteristic value transfer and related device |
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| CN114511244A true CN114511244A (en) | 2022-05-17 |
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| CN202210170110.7A Pending CN114511244A (en) | 2022-02-23 | 2022-02-23 | Risk early warning method for characteristic value transfer and related device |
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| CN (1) | CN114511244A (en) |
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- 2022-02-23 CN CN202210170110.7A patent/CN114511244A/en active Pending
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