CN114612108B - Public payment safety protection system based on artificial intelligence - Google Patents
Public payment safety protection system based on artificial intelligence Download PDFInfo
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Abstract
The invention relates to an artificial intelligence-based public payment safety protection system, in particular to the technical field of payment safety, which comprises an acquisition module, a first interaction entity, a second interaction entity and a third interaction entity, wherein the acquisition module is used for acquiring transaction information of the first interaction entity, transaction environment information and credit information of the second interaction entity in real time; the storage module is used for storing the transaction record of the first interaction body and is connected with the acquisition module; the analysis module is used for analyzing the transaction safety of the first interaction body and the second interaction body, is connected with the acquisition module and is also used for judging the safety of the transaction environment of the first interaction body according to the transaction position of the first interaction body; the judging module is used for judging the transaction safety according to the safety analysis result and is connected with the analysis module; and the alarm module is used for carrying out corresponding transaction early warning according to the transaction security judgment result and is connected with the judgment module. The invention effectively improves the transaction safety of public payment.
Description
Technical Field
The invention relates to the technical field of payment safety, in particular to a public payment safety protection system based on artificial intelligence.
Background
The public payment refers to that money is transferred to a public account of the opposite company, the time of the bank accepting the public payment is a normal working day, and the public account is used for receiving the payment, so that the transaction can be more standard. The online payment provides a quick and convenient electronic commerce application environment and online fund settlement tool for enterprises and individuals, and meanwhile, the method also has potential payment safety hazards.
Chinese patent publication No.: CN105574724a discloses a secure payment protection method, comprising: the security application client monitors that a user accesses a website through a browser to enter an online payment environment, acquires characteristic information of the website accessed by the browser, and sends the characteristic information to the security server; the security application client receives the query result sent by the security server; and if the security application client finds that the characteristic information is in the blacklist in the information authentication library or is not in the whitelist in the information authentication library, the security application client judges that the payment environment is unsafe. The scheme only protects the payment security from the payment network environment, and the security problem that the account is stolen still exists although the network payment process is safer.
Disclosure of Invention
Therefore, the invention provides an artificial intelligence-based public payment safety protection system, which is used for solving the problem of low transaction safety caused by incapability of accurately and safely analyzing according to the state of a transaction account in the prior art.
To achieve the above object, the present invention provides an artificial intelligence based public payment security protection system, comprising,
the acquisition module is used for acquiring the transaction information of the first interaction body, the transaction environment information and the credit information of the second interaction body in real time;
the storage module is used for storing the transaction record of the first interaction body and is connected with the acquisition module;
the analysis module is used for analyzing the transaction safety of the first interaction body and the second interaction body, is connected with the acquisition module, and is also used for determining the safe transaction area of the first interaction body and judging the safety of the transaction environment of the first interaction body according to the transaction position of the first interaction body;
the judging module is used for carrying out transaction security judgment according to a security analysis result, is connected with the analysis module, is also used for limiting the input times of the transaction passwords according to the transaction time T of the first interaction main body, is also used for regulating the input times Ai of the transaction passwords according to the transaction amount P so as to reduce the input times of the transaction passwords, is also used for carrying out preliminary judgment on the transaction security according to the historical transaction times K of the first interaction main body and the second interaction main body, and carries out security judgment on the second interaction main body according to the credit state of the second interaction main body;
the alarm module is used for carrying out corresponding transaction early warning according to a transaction security judging result, is connected with the judging module, is also used for carrying out transaction security alarm according to the input times of the transaction passwords when the transaction environment is normal, and is also used for carrying out alarm of different degrees on the first interaction body according to the credit state of the second interaction body when the transaction environment is abnormal.
Further, when the analysis module analyzes the transaction security, the analysis module obtains the position information of the historical transaction of the first interaction body, draws a circular area by taking the registered address of the first interaction body as the center of a circle and the distance between the transaction position farthest from the registered address in the historical transaction and the registered address as the radius, takes the circular area as the security transaction area, obtains the transaction position of the first interaction body in real time, determines the payment security of the first interaction body according to the transaction position,
when the transaction position is within the safe transaction area, the analysis module judges that the transaction environment of the first interaction body is normal;
when the transaction position is outside the safe transaction area, the analysis module judges that the transaction environment is abnormal, and the first interaction body is at risk of being stolen.
Further, when the analysis module determines that the transaction environment of the first interaction body is normal, the analysis module compares the transaction time T of the first interaction body with each preset transaction time, the determination module limits the input times of the transaction passwords according to the comparison result, wherein,
when T1 is not less than T and not more than T2, the judgment module limits the input times of the transaction password to A1;
when T is less than T1 or T is more than T2, the judging module limits the input times of the transaction password to A2;
wherein T1 is a first preset transaction time, T2 is a second preset transaction time, T1 is less than T2, A1 is a first preset password input number, A2 is a second preset password input number, and A1 is more than A2.
Further, the determination module sets i=1, 2 when limiting the input times Ai of the transaction passwords, obtains the maximum amount P0 in the historical transaction, compares the amount P of the transaction with the maximum amount P0, adjusts the input times Ai of the transaction passwords according to the comparison result,
when P is less than or equal to P0, the judging module judges that the transaction amount is normal and does not adjust;
when P is less than or equal to P0, the judging module judges that the transaction amount is abnormal, adjusts the input times of the transaction passwords to be Ai ', sets Ai ' =Aixa0, a0 as a preset time adjusting coefficient, 0.8 is less than a0 and less than 1, ai ' is rounded downwards, and when Ai ' isless than or equal to Amin, ai ' =Amin is taken, and Amin is the preset minimum transaction password input times.
Further, the alarm module carries out transaction safety alarm according to the transaction amount state and the transaction password input times when the transaction environment is normal, wherein,
when the number of times of inputting the transaction password is within a preset value, the alarm module does not alarm;
when the number of times of inputting the transaction password is larger than a preset value, if the transaction amount is normal, the alarm module prompts that the transaction has low risk, and prohibits the first interaction body from transacting again in ta1 time; if the transaction amount is abnormal, the alarm module prompts the risk in the transaction, prohibits the first interaction body from transacting again in ta2 time, and adjusts the input times of the transaction password of the next transaction to be Amin, wherein ta1 is a first preset transaction prohibition time, ta2 is a second preset transaction prohibition time, and ta1 is less than ta2.
Further, when the analysis module judges that the transaction environment of the first interaction body is abnormal, the analysis module obtains the historical transaction information of the first interaction body and the second interaction body, and the judgment module carries out preliminary judgment on the transaction safety according to the historical transaction times K of the first interaction body and the second interaction body, wherein,
when K is more than or equal to 1, the judging module judges that the second interaction main body is safe and does not limit the transaction process;
and when K is less than 1, the judging module judges that the second interaction body has risk, and judges the security of the second interaction body according to the credit state of the second interaction body.
Further, the determination module obtains the credit status of the second interaction subject when the determination module performs security determination on the second interaction subject, wherein the determination module performs security determination on the second interaction subject according to the credit status of the second interaction subject,
when the credit state of the second interaction body is normal, the judging module judges that the second interaction body is safe, and limits the input times of the transaction passwords to Amin;
and when the credit state of the second interaction body is abnormal, the judging module judges that the second interaction body has transaction risk.
Further, when the analysis module analyzes the credit status of the second interaction body, the analysis module retrieves and obtains the business risk behavior of the second interaction body, the analysis module compares the business risk quantity C of the second interaction body with the preset risk behavior quantity C0, and determines the credit status of the second interaction body according to the comparison result,
when C is less than or equal to C0, the analysis module judges that the credit state of the second interaction body is normal;
when C > C0, the analysis module determines that the credit status of the second interaction entity is abnormal.
Further, the alarm module alarms the first interaction body to different degrees according to the credit state of the second interaction body when the transaction environment is abnormal, wherein,
when the credit state of the second interaction body is normal, if the number of times of inputting the transaction password is within a preset value, no alarm is carried out, and if the number of times of inputting the transaction password is greater than the preset value, the alarm module prompts that the transaction has high risk, and blackens the second interaction body, so that the transaction with the second interaction body is permanently forbidden;
when the credit state of the second interaction body is abnormal, the alarm module prompts that the transaction has high risk, and the second interaction body is blacked out, so that the transaction with the second interaction body is permanently forbidden.
Further, after the second interaction body is blacked, the alarm module determines whether the first interaction body and the second interaction body trade on line or not according to the trade information acquired in real time, if so, the blacking state of the second interaction body is canceled, and if not, the blacking state of the second interaction body is continued.
Compared with the prior art, the method has the beneficial effects that when the analysis module analyzes the transaction safety, the safe transaction area is firstly determined according to the position information and the registration address of the historical transaction, the position range of the historical transaction is determined in the area, and then whether the transaction environment of the first interaction main body is safe or not is determined by judging whether the current transaction is in the safe transaction area, so that the transaction safety is improved, if the current transaction position is in the safe area, the transaction environment is judged to be normal, otherwise, the transaction environment is judged to be abnormal, when the transaction environment is abnormal, the first interaction main body has the risk of being stolen, and the transaction safety judgment is further required to be carried out according to the transaction information, so that the transaction safety of the first interaction main body and the second interaction main body is further improved.
In particular, when the input times Ai of the transaction passwords are limited, the judging module adjusts the input times Ai according to the transaction amount of the current transaction, the transaction password input times Ai are reduced through adjustment, so that the transaction safety is further improved, if the transaction amount of the current transaction is within the maximum amount of the historical transaction, the transaction amount is proved to be normal, and the adjustment is not performed, otherwise, the transaction password input times are reduced through an adjusting coefficient, and the transaction safety is further improved through further limiting the transaction password input times.
In particular, when the transaction environment is normal, the alarm module alarms according to different degrees according to the input times of the transaction passwords, carries out safety prompt through the alarm, and limits the transaction, so that the transaction safety is improved, if the input times of the transaction passwords are within a preset value, the input of the transaction passwords is normal, the alarm is not carried out, if the input times of the transaction passwords are greater than the preset value, different alarms are carried out according to the transaction amount, the transaction safety is improved through the alarm, if the transaction amount is normal, the re-transaction time is limited, and if the transaction amount is abnormal, the input times of the transaction time is limited, so that the safety in re-transaction is ensured.
In particular, when it is determined that the transaction environment of the first interaction body is abnormal, the determination module performs security determination according to the historical transaction times K of the first interaction body and the second interaction body, if K is less than 1, the first interaction body and the second interaction body are first-time transactions, and at this time, it is determined that the second interaction body has a risk, and further determination is required to determine the security of the second interaction body, so that the transaction security is further improved.
In particular, the determination module performs security determination on the second interaction body according to the credit status of the second interaction body, limits the transaction process through determination, so as to further improve transaction security, if the credit status of the second interaction body is normal, the password input times are limited to improve the transaction security, if the credit status of the second interaction body is abnormal, the second interaction body is determined to have transaction risk, when the credit status of the second interaction body is determined, the analysis module performs credit status determination according to the operation risk quantity C of the second interaction body, if the operation risk quantity C of the second interaction body is within a preset value, the credit status is determined to be normal, otherwise, the analysis module determines that the credit status is abnormal, and by performing accurate credit status determination, the accuracy of the security determination on the second interaction body is effectively improved, so that the transaction security of the first interaction body and the second interaction body is further improved.
Particularly, when the transaction environment is abnormal, the alarm module alarms according to the credit state of the second interaction main body to improve the transaction safety, if the credit state of the second interaction main body is normal, the alarm module alarms according to the password input times, when the transaction password input times are larger than a preset value, the second interaction main body is blacked, if the credit state of the second interaction main body is abnormal, the second interaction main body is directly blacked, the transaction safety is improved, the risk of the account being stolen is reduced, and whether the blacked is released or not is determined by collecting the offline transaction state in real time, so that the misjudgment of the second interaction main body can be avoided, and the transaction safety of the first interaction main body and the second interaction main body is further improved.
Drawings
Fig. 1 is a schematic structural diagram of an artificial intelligence-based public payment security protection system according to the present embodiment.
Detailed Description
In order that the objects and advantages of the invention will become more apparent, the invention will be further described with reference to the following examples; it should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
Preferred embodiments of the present invention are described below with reference to the accompanying drawings. It should be understood by those skilled in the art that these embodiments are merely for explaining the technical principles of the present invention, and are not intended to limit the scope of the present invention.
Furthermore, it should be noted that, in the description of the present invention, unless explicitly specified and limited otherwise, the terms "mounted," "connected," and "connected" are to be construed broadly, and may be either fixedly connected, detachably connected, or integrally connected, for example; can be mechanically or electrically connected; can be directly connected or indirectly connected through an intermediate medium, and can be communication between two elements. The specific meaning of the above terms in the present invention can be understood by those skilled in the art according to the specific circumstances.
Referring now to fig. 1, a schematic diagram of an artificial intelligence based public payment security system according to this embodiment is shown, the system includes,
the collection module is configured to collect, in real time, transaction information of a first interaction entity, transaction environment information and credit information of a second interaction entity, where in this embodiment, the first interaction entity is a payment entity, the second interaction entity is a collection entity, the transaction information includes information such as transaction amount, transaction time, transaction times, and the like, the transaction environment information includes transaction location information, and the credit information includes management risk information such as management abnormality, administrative punishment, serious law violation, and the like;
the storage module is used for storing the transaction record of the first interaction body and is connected with the acquisition module;
the analysis module is used for analyzing the transaction safety of the first interaction main body and the second interaction main body and is connected with the acquisition module;
the judging module is used for judging the transaction safety according to the safety analysis result and is connected with the analysis module;
and the alarm module is used for carrying out corresponding transaction early warning according to the transaction security judgment result and is connected with the judgment module.
Specifically, the system in this embodiment is applied to a mobile terminal, and performs security protection on an online transaction process to prevent an account from being stolen, and by performing security analysis and determination on a transaction environment of a first interaction body and timely terminating a transaction with security risk, security on public transactions is improved.
Specifically, when the analysis module analyzes the transaction security, the analysis module analyzes the payment security of the first interaction body, acquires the position information of the historical transaction of the first interaction body, draws a circular area by taking the registered address of the first interaction body as the center of a circle and the distance between the transaction position farthest from the registered address and the registered address in the historical transaction as the radius, takes the circular area as the security transaction area, acquires the transaction position of the first interaction body during the transaction in real time, and judges the payment security of the first interaction body according to the transaction position,
when the transaction position is within the safe transaction area, the analysis module judges that the transaction environment of the first interaction body is normal;
when the transaction position is outside the safe transaction area, the analysis module judges that the transaction environment is abnormal, and the first interaction body is at risk of being stolen.
Specifically, when the analysis module in this embodiment analyzes transaction security, firstly, a secure transaction area is determined according to location information and a registration address of a historical transaction, the location area is defined as a location range of the historical transaction, and then whether the current transaction is within the secure transaction area is determined to determine whether the transaction environment of the first interaction body is secure, so that the transaction security is improved, if the current transaction location is within the secure area, the transaction environment is determined to be normal, otherwise, the transaction environment is determined to be abnormal, when the transaction environment is abnormal, the first interaction body has a risk of being stolen, and transaction security determination needs to be further performed according to the transaction information, so that the transaction security of the first interaction body and the second interaction body is further improved. It can be understood that, in the present embodiment, when the secure transaction area is set, the registered address is used as the center to draw a circular area as the secure transaction area, and those skilled in the art may draw other shapes and graphs as the secure transaction area, but note that, when the secure transaction area is drawn, the registered address is a common address of the first interaction body, and the registered address needs to be drawn as the center, so as to ensure the setting accuracy of the secure transaction area, thereby improving the transaction security of the first interaction body and the second interaction body.
Specifically, when the analysis module determines that the transaction environment of the first interaction body is normal, the analysis module compares the transaction time T of the first interaction body with each preset transaction time, the determination module limits the input times of the transaction passwords according to the comparison result, wherein,
when T1 is not less than T and not more than T2, the judgment module limits the input times of the transaction password to A1;
when T is less than T1 or T is more than T2, the judging module limits the input times of the transaction password to A2;
wherein T1 is a first preset transaction time, T2 is a second preset transaction time, T1 is less than T2, A1 is a first preset password input number, A2 is a second preset password input number, and A1 is more than A2.
Specifically, when the analysis module in this embodiment determines that the transaction environment is normal, the determination module limits the input times of the transaction passwords according to the transaction time T, and since the bank accepts the common payment for a limited time every day, a fixed time period can be set as the transaction time period, and the determination module compares the real-time transaction time T with each preset time, if the transaction time is within the preset time range, the transaction time normally limits the input times of the transaction passwords to a larger value, such as 4-5 times, and if the transaction time is outside the preset time range, the transaction time abnormality limits the input times of the transaction passwords to a smaller value, such as 1-3 times, and ensures the security of the transaction by limiting the input times of the transaction passwords, thereby reducing the risk of theft of the account.
Specifically, the determination module sets i=1, 2 when limiting the input times Ai of the transaction passwords, obtains the maximum amount P0 in the historical transaction, compares the amount P of the transaction with the maximum amount P0, adjusts the input times Ai of the transaction passwords according to the comparison result,
when P is less than or equal to P0, the judging module judges that the transaction amount is normal and does not adjust;
when P is less than or equal to P0, the judging module judges that the transaction amount is abnormal, adjusts the input times of the transaction passwords to be Ai ', sets Ai ' =Aixa0, a0 as a preset time adjusting coefficient, 0.8 is less than a0 and less than 1, ai ' is rounded downwards, and when Ai ' isless than or equal to Amin, ai ' =Amin is taken, and Amin is the preset minimum transaction password input times.
Specifically, when limiting the input times Ai of the transaction passwords, the determining module in this embodiment adjusts the input times Ai according to the transaction amount of the current transaction, and reduces the input times Ai of the transaction passwords through adjustment, so as to further improve the transaction security.
Specifically, the alarm module carries out transaction safety alarm according to the transaction amount state and the transaction password input times when the transaction environment is normal, wherein,
when the number of times of inputting the transaction password is within a preset value, the alarm module does not alarm;
when the number of times of inputting the transaction password is larger than a preset value, if the transaction amount is normal, the alarm module prompts that the transaction has low risk, and prohibits the first interaction body from transacting again in ta1 time; if the transaction amount is abnormal, the alarm module prompts the risk in the transaction, prohibits the first interaction body from transacting again in ta2 time, and adjusts the input times of the transaction password of the next transaction to be Amin, wherein ta1 is a first preset transaction prohibition time, ta2 is a second preset transaction prohibition time, and ta1 is less than ta2.
Specifically, when the transaction environment is normal, the alarm module carries out different-degree alarms according to the transaction password input times, carries out safety prompt through the alarms, and carries out transaction limitation, so that the transaction safety is improved, if the transaction password input times are within a preset value, the transaction password input is normal, no alarm is carried out, if the transaction password input times are greater than the preset value, different alarms are carried out according to the transaction amount, the transaction safety is improved through the alarms, if the transaction amount is normal, the re-transaction time is limited, and if the transaction amount is abnormal, the transaction time is limited, and meanwhile the password input times are limited, so that the safety in re-transaction is ensured.
Specifically, when the analysis module judges that the transaction environment of the first interaction body is abnormal, the analysis module obtains the historical transaction information of the first interaction body and the second interaction body, and the judgment module carries out preliminary judgment on the transaction safety according to the historical transaction times K of the first interaction body and the second interaction body, wherein,
when K is more than or equal to 1, the judging module judges that the second interaction main body is safe and does not limit the transaction process;
and when K is less than 1, the judging module judges that the second interaction body has risk, and judges the security of the second interaction body according to the credit state of the second interaction body.
Specifically, in this embodiment, when determining that the transaction environment of the first interaction body is abnormal, the determining module performs security determination according to the historical transaction times K of the first interaction body and the second interaction body, if K is less than 1, the first interaction body and the second interaction body are first-time transactions, and at this time, it is determined that the second interaction body has a risk, and further determination is required to determine the security of the second interaction body, so as to further improve transaction security.
Specifically, the determination module obtains the credit status of the second interaction subject when the determination module performs security determination on the second interaction subject, wherein the determination module performs security determination on the second interaction subject according to the credit status of the second interaction subject,
when the credit state of the second interaction body is normal, the judging module judges that the second interaction body is safe, and limits the input times of the transaction passwords to Amin;
and when the credit state of the second interaction body is abnormal, the judging module judges that the second interaction body has transaction risk.
Specifically, when the analysis module analyzes the credit status of the second interaction body, the analysis module retrieves and obtains the business risk behaviors of the second interaction body, the analysis module compares the business risk quantity C of the second interaction body with the preset risk behavior quantity C0, and determines the credit status of the second interaction body according to the comparison result,
when C is less than or equal to C0, the analysis module judges that the credit state of the second interaction body is normal;
when C > C0, the analysis module determines that the credit status of the second interaction entity is abnormal.
Specifically, the determining module in this embodiment performs security determination on the second interaction body according to the credit status of the second interaction body, limits the transaction process by determining, so as to further improve transaction security, if the credit status of the second interaction body is normal, limits the number of password inputs to improve transaction security, if the credit status of the second interaction body is abnormal, determines that the second interaction body has transaction risk, when determining the credit status of the second interaction body, the analyzing module performs credit status determination according to the operation risk number C of the second interaction body, if the operation risk number C of the second interaction body is within a preset value, determines that the credit status is normal, otherwise determines that the credit status is abnormal, and by performing accurate credit status determination, effectively improves accuracy of security determination on the second interaction body, so as to further improve transaction security of the first interaction body and the second interaction body.
Specifically, the alarm module alarms the first interaction body to different degrees according to the credit state of the second interaction body when the transaction environment is abnormal, wherein,
when the credit state of the second interaction body is normal, if the number of times of inputting the transaction password is within a preset value, no alarm is carried out, and if the number of times of inputting the transaction password is greater than the preset value, the alarm module prompts that the transaction has high risk, and blackens the second interaction body, so that the transaction with the second interaction body is permanently forbidden;
when the credit state of the second interaction body is abnormal, the alarm module prompts that the transaction has high risk, and the second interaction body is blacked out, so that the transaction with the second interaction body is permanently forbidden.
Specifically, after the second interaction body is blacked, the alarm module determines whether the first interaction body and the second interaction body trade on line or not according to the trade information acquired in real time, if so, the blacking state of the second interaction body is canceled, and if not, the blacking state of the second interaction body is continued.
Specifically, when the transaction environment is abnormal, the alarm module alarms according to the credit state of the second interaction body to improve the transaction security, if the credit state of the second interaction body is normal, alarms according to the password input times, alarms when the password input times of the transaction are greater than a preset value, and blackens the second interaction body, if the credit state of the second interaction body is abnormal, the second interaction body is directly blackened, and the transaction security is improved by blacking the second interaction body, so that the risk of theft of an account is reduced, and by collecting the offline transaction state in real time to determine whether to release blacking, misjudgment of the second interaction body can be avoided, so that the transaction security of the first interaction body and the second interaction body is further improved.
Thus far, the technical solution of the present invention has been described in connection with the preferred embodiments shown in the drawings, but it is easily understood by those skilled in the art that the scope of protection of the present invention is not limited to these specific embodiments. Equivalent modifications and substitutions for related technical features may be made by those skilled in the art without departing from the principles of the present invention, and such modifications and substitutions will be within the scope of the present invention.
Claims (9)
1. An artificial intelligence based public payment security protection system, which is characterized by comprising,
the acquisition module is used for acquiring the transaction information of the first interaction body, the transaction environment information and the credit information of the second interaction body in real time;
the storage module is used for storing the transaction record of the first interaction body and is connected with the acquisition module;
the analysis module is used for analyzing the transaction safety of the first interaction body and the second interaction body, is connected with the acquisition module, and is also used for determining the safe transaction area of the first interaction body and judging the safety of the transaction environment of the first interaction body according to the transaction position of the first interaction body;
the judging module is used for carrying out transaction security judgment according to a security analysis result, is connected with the analysis module, is also used for limiting the input times of the transaction passwords according to the transaction time T of the first interaction main body, is also used for regulating the input times Ai of the transaction passwords according to the transaction amount P so as to reduce the input times of the transaction passwords, is also used for carrying out preliminary judgment on the transaction security according to the historical transaction times K of the first interaction main body and the second interaction main body, and carries out security judgment on the second interaction main body according to the credit state of the second interaction main body;
the alarm module is used for carrying out corresponding transaction early warning according to a transaction security judging result, is connected with the judging module, is also used for carrying out transaction security alarm according to the input times of the transaction passwords when the transaction environment is normal, and is also used for carrying out alarm of different degrees on the first interaction body according to the credit state of the second interaction body when the transaction environment is abnormal;
when the analysis module analyzes the transaction security, the analysis module obtains the position information of the historical transaction of the first interaction body, draws a circular area by taking the registered address of the first interaction body as the circle center and the distance between the transaction position farthest from the registered address and the registered address in the historical transaction as the radius, takes the circular area as the security transaction area, obtains the transaction position of the first interaction body in real time, judges the payment security of the first interaction body according to the transaction position,
when the transaction position is within the safe transaction area, the analysis module judges that the transaction environment of the first interaction body is normal;
when the transaction position is outside the safe transaction area, the analysis module judges that the transaction environment is abnormal, and the first interaction body is at risk of being stolen.
2. The public payment security system based on artificial intelligence according to claim 1, wherein the analysis module compares the transaction time T of the first interaction body with each preset transaction time when the transaction environment of the first interaction body is judged to be normal, the judgment module limits the input times of the transaction password according to the comparison result, wherein,
when T1 is not less than T and not more than T2, the judgment module limits the input times of the transaction password to A1;
when T is less than T1 or T is more than T2, the judging module limits the input times of the transaction password to A2;
wherein T1 is a first preset transaction time, T2 is a second preset transaction time, T1 is less than T2, A1 is a first preset password input number, A2 is a second preset password input number, and A1 is more than A2.
3. The public payment safety protection system based on artificial intelligence according to claim 2, wherein the decision module sets i=1, 2 when limiting the input times Ai of the transaction password, obtains the maximum amount P0 in the historical transaction, compares the amount P of the transaction with the maximum amount P0, and adjusts the input times Ai of the transaction password according to the comparison result,
when P is less than or equal to P0, the judging module judges that the transaction amount is normal and does not adjust;
when P is less than or equal to P0, the judging module judges that the transaction amount is abnormal, adjusts the input times of the transaction passwords to be Ai ', sets Ai ' =Aixa0, a0 as a preset time adjusting coefficient, 0.8 is less than a0 and less than 1, ai ' is rounded downwards, and when Ai ' isless than or equal to Amin, ai ' =Amin is taken, and Amin is the preset minimum transaction password input times.
4. The public payment safety protection system based on artificial intelligence according to claim 3, wherein the alarm module carries out transaction safety alarm according to the transaction amount state and the transaction password input times when the transaction environment is normal, wherein,
when the number of times of inputting the transaction password is within a preset value, the alarm module does not alarm;
when the number of times of inputting the transaction password is larger than a preset value, if the transaction amount is normal, the alarm module prompts that the transaction has low risk, and prohibits the first interaction body from transacting again in ta1 time; if the transaction amount is abnormal, the alarm module prompts the risk in the transaction, prohibits the first interaction body from transacting again in ta2 time, and adjusts the input times of the transaction password of the next transaction to be Amin, wherein ta1 is a first preset transaction prohibition time, ta2 is a second preset transaction prohibition time, and ta1 is less than ta2.
5. The artificial intelligence based public payment security protection system according to claim 1, wherein the analysis module obtains the historical transaction information of the first interaction subject and the second interaction subject when determining that the transaction environment of the first interaction subject is abnormal, the determination module makes a preliminary determination on transaction security according to the historical transaction times K of the first interaction subject and the second interaction subject,
when K is more than or equal to 1, the judging module judges that the second interaction main body is safe and does not limit the transaction process;
and when K is less than 1, the judging module judges that the second interaction body has risk, and judges the security of the second interaction body according to the credit state of the second interaction body.
6. The artificial intelligence based public payment security protection system of claim 5, wherein the determination module obtains a credit status of the second interaction entity when performing security determination on the second interaction entity, the determination module performs security determination on the second interaction entity based on the credit status of the second interaction entity, wherein,
when the credit state of the second interaction body is normal, the judging module judges that the second interaction body is safe, and limits the input times of the transaction passwords to Amin;
and when the credit state of the second interaction body is abnormal, the judging module judges that the second interaction body has transaction risk.
7. The artificial intelligence based public payment security system of claim 6, wherein the analysis module retrieves the risk of operation of the second interactive body when analyzing the credit status of the second interactive body, compares the risk of operation number C of the second interactive body with the preset risk number C0, and determines the credit status of the second interactive body according to the comparison result,
when C is less than or equal to C0, the analysis module judges that the credit state of the second interaction body is normal;
when C > C0, the analysis module determines that the credit status of the second interaction entity is abnormal.
8. The artificial intelligence based public payment safety protection system of claim 6, wherein the alarm module alarms the first interaction entity to different degrees according to the credit status of the second interaction entity when the transaction environment is abnormal, wherein,
when the credit state of the second interaction body is normal, if the number of times of inputting the transaction password is within a preset value, no alarm is carried out, and if the number of times of inputting the transaction password is greater than the preset value, the alarm module prompts that the transaction has high risk, and blackens the second interaction body, so that the transaction with the second interaction body is permanently forbidden;
when the credit state of the second interaction body is abnormal, the alarm module prompts that the transaction has high risk, and the second interaction body is blacked out, so that the transaction with the second interaction body is permanently forbidden.
9. The artificial intelligence based public payment safety protection system according to claim 8, wherein the alarm module determines whether the first interaction body and the second interaction body trade online or not through the trade information obtained in real time after the second interaction body is blacked out, cancels the blackout state of the second transaction body if the online trade exists, and continues the blackout state of the second transaction body if the offline trade does not exist.
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| CN109003086A (en) * | 2018-06-11 | 2018-12-14 | 安徽博森互联网科技有限公司 | One kind is to public payment server safety management system |
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