CN115689752A

CN115689752A - Method, device and equipment for adjusting wind control rule and storage medium

Info

Publication number: CN115689752A
Application number: CN202211372418.6A
Authority: CN
Inventors: 郑燕飞
Original assignee: Bank of China Ltd
Current assignee: Bank of China Ltd
Priority date: 2022-11-03
Filing date: 2022-11-03
Publication date: 2023-02-03

Abstract

The application relates to a method, a device, equipment and a storage medium for adjusting a wind control rule, relates to the financial field or other fields, and is used for improving the timeliness of issuing the wind control rule. The method comprises the following steps: acquiring historical transaction data of a user in a historical time period; determining the interception performance indexes of the target wind control rules based on the target wind control rules and historical transaction data, wherein the interception performance index of one wind control rule is used for indicating the accuracy of the wind control rule for intercepting abnormal transaction behaviors; and under the condition that the interception performance index of the target wind control rule does not meet the preset condition, adjusting the constraint parameter of the target wind control rule, and updating the target wind control rule based on the adjusted constraint parameter until the interception performance index of the target wind control rule meets the preset condition.

Description

Method, device and equipment for adjusting wind control rule and storage medium

Technical Field

The present application relates to the financial field or other fields, and in particular, to a method, an apparatus, a device, and a storage medium for adjusting a wind control rule.

Background

Currently, in the financial industry or the internet industry, a wind control rule is generally adopted to filter and intercept the transaction behaviors of a user so as to detect whether the transaction behaviors of the user are abnormal transaction behaviors. And under the condition that the transaction behavior of the user is determined to be abnormal, alarming or refusing the user to carry out transaction so as to avoid property loss of the user. Because the currently adopted wind control rule is set manually, a gray level production method needs to be adopted for trial before the wind control rule is put into use formally. Specifically, after the wind control rule is generated, the wind control rule is tried in a generating environment, and after the trial interception effect reaches the preset value, the wind control rule is put into practical use formally.

However, in the above related art, the manually established wind control rule requires a long time for idle running to determine whether the wind control rule can be put into practical use formally, which affects the timeliness of the wind control rule.

Disclosure of Invention

The application provides a method, a device, equipment and a storage medium for adjusting a wind control rule, and at least solves the technical problem that the timeliness of the wind control rule in production in the related art is low. The technical scheme of the application is as follows:

according to a first aspect of the present application, there is provided a method for adjusting a wind control rule, including: acquiring historical transaction data of a user in a historical time period; determining interception performance indexes of the target wind control rules based on the target wind control rules and historical transaction data, wherein the interception performance indexes of one wind control rule are used for indicating the accuracy of one wind control rule for intercepting abnormal transaction behaviors; and under the condition that the interception performance index of the target wind control rule does not meet the preset condition, adjusting the constraint parameter of the target wind control rule, and updating the target wind control rule based on the adjusted constraint parameter until the interception performance index of the target wind control rule meets the preset condition.

The above technical scheme that this application provided brings following beneficial effect at least: and (3) directly intercepting the historical transaction data of the user in the historical time period by adopting a target wind control rule, and adjusting the constraint parameters of the target wind control rule based on the interception result of the target wind control rule on the historical transaction data and the corresponding index until the corresponding index of the wind control rule meets the requirement. Therefore, the constraint parameters of the target wind control rule can be continuously adjusted based on the interception performance index for intercepting the historical transaction data, the target wind control rule can be gradually optimized, and the problems of inaccurate target wind control rule or inconvenient user operation can be solved. Meanwhile, interception and trial are carried out based on historical transaction data, real transaction does not need to be waited for, idle running of trial of the wind control rules is avoided, and timeliness of the wind control rules can be effectively improved.

Optionally, the preset conditions include: the interception performance index of the target wind control rule is within a preset first range.

Optionally, the determining the interception performance index of the target wind control rule based on the target wind control rule and the historical transaction data includes: intercepting abnormal transaction behaviors in historical transaction data based on a target wind control rule, and determining the interception rate and the accuracy rate of the target wind control rule; the intercepting rate of one wind control rule indicates the ratio of times of intercepting abnormal transaction behaviors in transaction data intercepted by one wind control rule, and the accuracy rate of one wind control rule indicates the accuracy rate of the abnormal transaction behaviors intercepted by one wind control rule; and determining the interception performance index of the target wind control rule based on the interception rate and the accuracy of the target wind control rule.

The above technical scheme that this application provided brings following beneficial effect at least: the interception performance index of the target wind control rule is determined based on the interception rate and the accuracy of the target wind control rule, so that the determined interception performance index is more accurate, the accuracy of the target wind control rule in intercepting abnormal transaction behaviors can be reflected, and the accuracy of the adjusted target wind control rule can be ensured.

Optionally, the constraint parameter includes at least one of a transaction allowable time period, a transaction allowable frequency, a transaction allowable amount, a transaction allowable location number and a transaction allowable terminal number; when the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, the adjusting the constraint parameter of the target wind control rule includes: the adjusted allowable transaction time period is less than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is less than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is less than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is less than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is less than the number of the allowable transaction terminals before adjustment; when the interception performance index of the target wind control rule is greater than the upper limit value of the first range, the adjusting the constraint parameter of the target wind control rule includes: the adjusted allowable transaction time period is larger than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is larger than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is larger than the allowable transaction amount before adjustment, the adjusted allowable transaction place number is larger than the allowable transaction place number before adjustment, and the adjusted allowable transaction terminal number is larger than the allowable transaction terminal number before adjustment.

The technical scheme provided by the application at least has the following beneficial effects: the constraint parameters are set to be at least one of the allowable transaction time period, the allowable transaction frequency, the allowable transaction amount, the allowable transaction place number and the allowable transaction terminal number, the corresponding constraint parameters can be adjusted by combining the target wind control rule according to the size of the interception performance index relative to the first range, a specific implementation mode for adjusting the constraint parameters is provided, the constraint parameters can be adjusted more comprehensively, and the requirement that the target wind control rule tends to the first range is further ensured.

Optionally, the adjustment amount for adjusting the constraint parameter of the target wind control rule is positively correlated with the target difference, where the target difference includes a distance between the interception performance index of the target wind control rule and the first range.

The above technical scheme that this application provided brings following beneficial effect at least: the adjustment quantity of the constraint parameters is set to be in positive correlation with the target difference value, so that the interception performance index obtained after the constraint parameters are adjusted can quickly meet the preset condition, and the timeliness of the target wind control rule can be improved.

According to a second aspect of the present application, there is provided an adjusting apparatus for a wind control rule, including an obtaining unit, a determining unit, an adjusting unit, and an updating unit; the acquisition unit is used for acquiring historical transaction data of a user in a historical time period; the determining unit is used for determining the interception performance indexes of the target wind control rules based on the target wind control rules and historical transaction data, and the interception performance index of one wind control rule is used for indicating the accuracy of the wind control rule in intercepting abnormal transaction behaviors; the adjusting unit is used for adjusting the constraint parameters of the target wind control rule under the condition that the interception performance index of the target wind control rule does not meet the preset condition; and the updating unit is used for updating the target wind control rule based on the adjusted constraint parameters until the interception performance index of the target wind control rule meets the preset condition.

Optionally, the determining unit is specifically configured to: intercepting abnormal transaction behaviors in historical transaction data based on a target wind control rule, and determining the interception rate and the accuracy rate of the target wind control rule; the intercepting rate of one wind control rule indicates the proportion of times of intercepting abnormal transaction behaviors in transaction data intercepted by one wind control rule, and the accuracy rate of one wind control rule indicates the accuracy rate of the abnormal transaction behaviors intercepted by one wind control rule; and determining the interception performance index of the target wind control rule based on the interception rate and the accuracy of the target wind control rule.

Optionally, the constraint parameter includes at least one of a transaction allowed time period, a transaction allowed frequency, a transaction allowed amount, a transaction allowed location number and a transaction allowed terminal number; when the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, the adjusting unit is specifically configured to: the adjusted allowable transaction time period is less than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is less than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is less than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is less than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is less than the number of the allowable transaction terminals before adjustment; when the interception performance index of the target wind control rule is greater than the upper limit value of the first range, the adjusting unit is specifically configured to: the adjusted allowable transaction time period is larger than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is larger than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is larger than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is larger than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is larger than the number of the allowable transaction terminals before adjustment.

Optionally, the adjustment amount of the constraint parameter for adjusting the target wind control rule is positively correlated with a target difference, where the target difference includes a distance between an interception performance index of the target wind control rule and the first range.

According to a third aspect of the present application, there is provided an electronic device comprising: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the method of the first aspect and any possible implementation thereof.

According to a fourth aspect of the present application, there is provided a computer-readable storage medium, in which instructions, which, when executed by a processor of an electronic device, enable the electronic device to perform the method of any one of the above-mentioned first aspects and any one of its possible embodiments.

According to a fifth aspect of the present application, there is provided a computer program product comprising computer instructions which, when run on an electronic device, cause the electronic device to perform the method of the first aspect and any one of its possible embodiments described above.

It should be noted that, for technical effects brought by any implementation manner in the second aspect to the fifth aspect, reference may be made to technical effects brought by a corresponding implementation manner in the first aspect, and details are not described here.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the application.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the application and are not to be construed as limiting the application.

FIG. 1 is a schematic diagram illustrating a system for regulating a wind regulation law according to an exemplary embodiment;

FIG. 2 is a flow chart illustrating a method of adjusting a wind control rule according to an exemplary embodiment;

FIG. 3 is a flow chart illustrating yet another method of adjusting a wind control law in accordance with an exemplary embodiment;

FIG. 4 is a block diagram illustrating a device for adjusting a wind control law according to an exemplary embodiment;

FIG. 5 is a block diagram illustrating an electronic device in accordance with an example embodiment.

Detailed Description

In order to make those skilled in the art better understand the technical solutions of the present application, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings.

It should be noted that the terms "first," "second," and the like in the description and claims of this application and in the accompanying drawings are used for distinguishing between similar elements and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used is interchangeable under appropriate circumstances such that the embodiments of the application described herein are capable of operation in sequences other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with the present application. Rather, they are merely examples of apparatus and methods consistent with certain aspects of the application, as detailed in the appended claims.

The invention principle of the adjusting method of the wind control rule provided by the application is introduced.

In the related art, a method based on gray level production is usually used for trying out a wind control rule, that is, a prepared wind control rule is directly used in a production environment and is tried out on part of transaction data, but the following problems are usually caused:

1. because the wind control rule is manually established, the abnormal transaction intercepting behavior may be too loose or too tight due to unreasonable parameter setting of the wind control rule, so that the wind control rule is inaccurate.

2. The inconvenience is brought to the user due to the fact that the decision behavior level corresponding to the wind control rule is not appropriate, and the user complaint is caused. For example, setting the decision-making behavior level to be the highest may result in directly rejecting the user transaction after detecting the abnormal transaction behavior, which may cause inconvenience for the user to operate.

3. In the gray scale production, only abnormal trading behavior interception and trial is carried out on part of users or part of trading data, but due to the limitation of the trading data, a manually-made wind control rule needs to run for a long time, and cannot be normally put into use, so that the timeliness of the wind control rule input generation is influenced.

Based on the technical problem, the method and the device consider that after the wind control rule is customized, the wind control rule is adopted to directly intercept historical transaction data of a user in a historical time period, and based on the interception result of the wind control rule on the historical transaction data and corresponding indexes, the constraint parameters of the wind control rule are adjusted until the corresponding indexes of the wind control rule meet requirements. Therefore, the constraint parameters of the wind control rule can be continuously adjusted based on the interception indexes of the historical data, the wind control rule can be gradually optimized, and the problem that the wind control rule is inaccurate or the operation of a user is inconvenient can be solved. Meanwhile, the interception is carried out based on the historical transaction data, so that the real transaction does not need to be waited for, the idle running of the trial of the wind control rule is avoided, and the timeliness of the wind control rule can be effectively improved.

Next, a brief description is given of an implementation environment (implementation architecture) to which the present application relates.

The method for adjusting the wind control rule provided by the embodiment of the invention can be suitable for an adjusting system of the wind control rule. Fig. 1 shows a schematic structural diagram of the regulation system of the wind control rule. As shown in fig. 1, the adjusting system 10 for wind control regulations includes an adjusting device 11 for wind control regulations and an electronic device 12. The adjusting device 11 of the wind control rule is connected to the electronic device 12, and the adjusting device 11 of the wind control rule may be connected to the electronic device 12 in a wired manner or in a wireless manner.

The adjusting device 11 for the wind control rule may be configured to perform data interaction with the electronic device 12, for example, obtain historical transaction data of different users in different upstream systems (e.g., financial transaction systems such as an online banking platform, an electronic mall platform, a virtual resource transaction platform, and a financial loan platform) from the electronic device 12, and perform a gray scale test based on the wind control rule to be tested and the historical transaction data.

Further, the adjusting device 11 of the wind control rule may also adjust the wind control rule based on the test result, and send the adjusted wind control rule to the electronic device, so that the electronic device may formally release the wind control rule in the production environment.

Optionally, the adjusting device 11 and the electronic device 12 of the wind control rule may be physical machines, for example: a desktop computer, also called a desktop computer or a desktop computer (desktop computer), a mobile phone, a tablet computer, a notebook computer, an ultra-mobile personal computer (UMPC), a netbook, a Personal Digital Assistant (PDA), and other terminal devices, and may also be a server or a server cluster composed of a plurality of servers. The electronic device may also be a server or a network device in which a virtual machine is deployed, or may also be a management server that manages a plurality of servers or network devices in which virtual machines are deployed. In this case, the electronic device may specifically be a management device of the NFV management system.

Optionally, the adjusting device of the wind control rule may also implement the function to be implemented by the adjusting device of the wind control rule through a Virtual Machine (VM) deployed on a physical machine.

It should be noted that the adjusting device 11 and the electronic device 12 of the wind control rule may be independent devices, or may be integrated in the same device, which is not specifically limited in this disclosure.

When the adjusting device 11 of the wind control rule and the electronic device 12 are integrated into the same device, the communication mode between the adjusting device 11 of the wind control rule and the electronic device 12 is communication between internal modules of the device. In this case, the communication flow between the two is the same as the "communication flow between the two when the wind control rule adjusting device 11 and the electronic device 12 are independent of each other".

In the following embodiments provided in the present disclosure, the present application takes the base layer of the adjusting device 11 and the electronic device 12 of the wind control rule and the same device as an example for explanation.

For the convenience of understanding, the adjusting method of the wind control rule provided by the present application is specifically described below with reference to the accompanying drawings.

Fig. 2 is a flowchart illustrating a method for adjusting a wind control rule according to an exemplary embodiment, where the method may be applied to an electronic device, and may also be applied to an apparatus for adjusting a wind control rule connected to the electronic device. Meanwhile, the method can also be applied to electronic equipment or equipment similar to the adjusting device of the wind control rule. In the following, the method is described by taking the method as an example applied to an electronic device, and as shown in fig. 2, the method for adjusting the wind control rule includes the following steps:

s201, the electronic equipment acquires historical transaction data of the user in a historical time period.

As one possible implementation, the electronic device obtains historical transaction data of different users in historical time periods from a plurality of upstream systems.

The upstream systems comprise financial transaction systems such as an online bank platform, an electronic mall platform, a virtual resource transaction platform and a financial loan platform which are connected with the electronic equipment. The historical transaction data includes transaction information of the user transaction execution transaction behavior and a transaction tag. The transaction information comprises information such as transaction time, transaction place, transaction amount, transaction account, transaction equipment and transaction frequency, and the transaction label is used for indicating whether the transaction behavior is abnormal transaction behavior.

It should be noted that the historical time period may be set in the electronic device in advance by an operation and maintenance person, and for example, the historical time period may be 1 day or 1 month. The transaction tag of each transaction behavior may be determined by the upstream system where the transaction behavior is located in response to the feedback of the user, for example, if the user reports that the transaction behavior is an abnormal transaction behavior in the upstream system, the upstream system determines the transaction tag of the transaction behavior as an abnormal transaction behavior, and if any transaction behavior in the upstream system does not receive the report of the user within a preset time period, determines that the transaction behavior is a normal transaction.

It can be understood that the transaction data in the online banking platform is used for reflecting the account transfer records of the user, the transaction data in the electronic market platform is used for reflecting the historical records of online shopping or selling commodities of the user, the transaction data in the virtual resource transaction platform is used for reflecting the historical records of purchasing or selling virtual resources of the user, and the transaction data in the financial loan platform is used for reflecting the loan records and repayment records of the user.

For example, the electronic device obtains transaction information of transaction behaviors of the previous 30 days and a transaction tag from an online banking platform, an electronic marketplace platform, a virtual resource transaction platform and a financial loan platform as historical transaction data. Meanwhile, the transaction information and the transaction label may also be periodically reported to the electronic device by different upstream systems.

S202, the electronic equipment determines the interception performance index of the target wind control rule based on the target wind control rule and historical transaction data.

The interception performance index of one wind control rule is used for indicating the accuracy degree of one wind control rule for intercepting abnormal transaction behaviors.

As a possible implementation manner, the electronic device filters historical transaction data based on a target wind control rule to be tested to detect and intercept abnormal transaction behaviors in all transaction behaviors in the historical transaction data to obtain an interception result, and determines an interception performance index of the target wind control rule based on the interception result.

The interception result includes at least one identifier of the abnormal transaction behavior, and the identifier is specifically used for uniquely identifying one abnormal transaction behavior and can be a serial number of the abnormal transaction behavior.

Specifically, after the electronic device determines the interception result, the interception result is compared with the transaction label of each transaction behavior in the historical transaction data to obtain a comparison result, and the interception performance index of the target wind control rule is determined according to the comparison result.

It should be noted that the target wind control rule may be a wind control rule set manually, or may be obtained by training the electronic device based on a preset deep neural network. Meanwhile, the target wind control rule can be a single wind control rule, and can also be generated by combining a plurality of wind control rules in a single or multiple and/or mode by combining a decision tree with service requirements.

For example, a single wind-controlled rule 1 may be no more than 3 transactions with the same account within 5 hours, a single wind-controlled rule 2 may be no more than 5 ten thousand dollars for a single transaction, or no more than 20 ten thousand dollars for a total transaction amount on the day. The target wind control rule may be wind control rule 1 and/or wind control rule 2. If the target rules are the wind control rule 1 and the wind control rule 2, if a certain user transfers 2 times to the same account within 5 hours, but the transfer amount exceeds 20 ten thousand yuan in total, the electronic device determines that the transaction behavior is abnormal based on the target wind control rule.

Additionally, the target wind control rules may also correspond to different upstream systems. For example, in the case where the historical transaction data all originate from the online banking platform, the target wind control rule may be a wind control rule formulated for the online banking platform.

The method comprises the steps that wind control rules corresponding to different upstream systems are set in a database of the electronic equipment, and when the electronic equipment responds to operation and maintenance personnel to request operation for adjusting the wind control rules of any upstream system, one or more wind control rules corresponding to the upstream system are obtained from the database and serve as target wind control rules. In practical applications, the database including different wind control rules may also be referred to as a wind control rule configuration module, and is used for separately maintaining and configuring different wind control rules.

The specific implementation manner of determining the target wind control rule interceptability index in this step may refer to the subsequent description of the embodiment of the present application, and is not described herein again.

S203, the electronic equipment judges whether the interception performance index of the target wind control rule meets a preset condition.

Wherein the preset conditions include: the interception performance index of the target wind control rule is within a preset first range.

As a possible implementation manner, the electronic device determines whether the interception performance index of the target wind control rule is within a first range.

If the interception performance index of the target wind control rule exceeds the first range, the electronic equipment determines that the interception performance index of the target wind control rule does not meet the preset condition.

And if the interception performance index of the target wind control rule is within the first range, the electronic equipment determines that the interception performance index of the target wind control rule meets a preset condition.

It should be noted that the first range may be set in the electronic device by the operation and maintenance staff in advance, and meanwhile, the first range may also correspond to different upstream systems.

Different first ranges corresponding to different upstream systems are also stored in the database of the electronic device. In the case where it is determined that the historical transaction data all originate from the same upstream system, the electronic device may obtain, based on the upstream system, a first range corresponding to the upstream system from the database.

S204, the electronic equipment adjusts the constraint parameters of the target wind control rule under the condition that the interception performance index of the target wind control rule does not meet the preset condition.

As a possible implementation manner, if the interception performance index of the target wind control rule is not within the first range, the electronic device obtains the constraint parameter of the target wind control rule, and adjusts the constraint parameter to obtain the adjusted constraint parameter.

It should be noted that the constraint parameters of the target wind control rule may be stored in the database when the operation and maintenance staff formulate the target wind control rule. The wind control rules are different, and the corresponding constraint parameters are also different.

For example, for the above-mentioned wind control rule 1, the constraint parameter of the wind control rule 1 is the allowable transaction frequency.

For another example, for the above-mentioned wind control rule 2, the constraint parameter of the wind control rule 2 is the allowable transaction amount.

For another example, if wind control rule 3 includes: the number of the areas allowed for the same account to execute the transaction behavior is 3, which are the area a, the area b and the area c, the number of the terminals allowed for the account to execute the transaction behavior is 4, which are the transaction terminal d, the transaction terminal e, the transaction terminal f and the transaction terminal g, and then the constraint parameters of the wind control rule 3 are the number of the transaction allowed places and the number of the transaction allowed terminals.

The specific implementation manner of adjusting the constraint parameter of the target wind control rule in this step may refer to the subsequent description of the embodiment of the present application, and is not described herein again.

And S205, the electronic equipment updates the target wind control rule based on the adjusted constraint parameters until the interception performance index of the target wind control rule meets the preset condition.

As a possible implementation manner, after the electronic device adjusts the constraint parameter, the target wind control rule is updated based on the adjusted constraint parameter, and the above S202 to S204 are executed again until the interception performance index of the target wind control parameter meets the preset condition.

S206, the electronic equipment issues the target wind control rule on the basis that the interception performance index of the target wind control rule meets the preset condition.

In a possible implementation manner, after the electronic device issues the target wind control rule, the above-mentioned S201-S206 are periodically executed to update the issued target wind control rule.

Based on the technical scheme provided by the embodiment of the application, the target wind control rule is adopted to directly intercept the historical transaction data of the user in the historical time period, and the constraint parameters of the target wind control rule are adjusted based on the interception result of the target wind control rule on the historical transaction data and the corresponding indexes until the corresponding indexes of the wind control rule meet the requirements. Therefore, the constraint parameters of the target wind control rule can be continuously adjusted based on the interception performance index for intercepting the historical transaction data, the target wind control rule can be gradually optimized, and the problems of inaccurate target wind control rule or inconvenient user operation can be solved. Meanwhile, interception and trial are carried out based on historical transaction data, real transaction does not need to be waited for, idle running of trial of the wind control rules is avoided, and timeliness of the wind control rules can be effectively improved.

In some embodiments, in order to determine the interception performance index of the target wind control rule, as shown in fig. 3, S202 provided in the embodiment of the present application may be specifically implemented in the following manner:

s2021, the electronic equipment intercepts abnormal transaction behaviors in the historical transaction data based on the target wind control rule, and determines the interception rate and the accuracy rate of the target wind control rule.

The interception rate of one wind control rule indicates the proportion of times of intercepting abnormal transaction behaviors in the transaction data intercepted by one wind control rule, and the accuracy rate of one wind control rule indicates the accuracy rate of the abnormal transaction behaviors intercepted by one wind control rule.

As a possible implementation manner, the electronic device determines, as the interception rate of the target wind control rule, a ratio of the number of the intercepted at least one abnormal transaction behavior to the number of transaction behaviors included in the historical transaction data.

Meanwhile, the electronic equipment determines the ratio of the number of the target abnormal trading behaviors to the number of the abnormal trading behaviors in the intercepted at least one abnormal trading behavior as the accuracy of the target wind control rule.

The transaction label comprises an abnormal or normal transaction behavior, and the target abnormal transaction behavior is the abnormal transaction behavior of which the transaction label is abnormal in at least one abnormal transaction behavior.

S2022, the electronic equipment determines the interception performance index of the target wind control rule based on the interception rate and the accuracy of the target wind control rule.

As a possible implementation manner, the electronic device performs weighting processing on the interception rate and the accuracy rate of the target wind control rule, and determines a weighting result as an interception performance index of the target wind control rule.

The weighting process may be a weighted sum process or a weighted average process, which is not limited in the present application.

In addition, in the weighting process, the weights of the interception rate and the accuracy rate may be set in the electronic device in advance by operation and maintenance personnel. For example, the weight of accuracy rate may be greater than or equal to the weight of intercept rate.

In some cases, the electronic device may further determine any one of an interception rate and an accuracy rate of the target wind control rule as an interception performance index of the target wind control rule.

According to the technical scheme, the interception performance index of the target wind control rule is determined based on the interception rate and the accuracy of the target wind control rule, the determined interception performance index can be more accurate, the accuracy of the target wind control rule in intercepting abnormal transaction behaviors can be reflected, and the accuracy of the adjusted target wind control rule can be guaranteed.

In some embodiments, the constraint parameters provided by embodiments of the present application include at least one of an allowed transaction time period, an allowed transaction frequency, an allowed transaction amount, an allowed transaction location number, and an allowed transaction terminal number.

In order to adjust the constraint parameter of the target wind control rule, in a case that the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, in S204 provided in this embodiment of the present application, the adjusted allowable transaction time period is smaller than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is smaller than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is smaller than the allowable transaction amount before adjustment, the adjusted number of allowable transaction places is smaller than the number of allowable transaction places before adjustment, and the adjusted number of allowable transaction terminals is smaller than the number of allowable transaction terminals before adjustment.

As a possible implementation manner, after determining that the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, the electronic device shortens the allowable transaction time period before adjustment in the constraint parameter by the first time period to obtain the adjusted allowable transaction time period. And/or reducing the allowable trading frequency before adjustment in the constraint parameter by the first frequency to obtain the adjusted allowable trading frequency. And/or reducing the number of the allowable transaction places before being adjusted in the constraint parameter by a first amount to obtain the number of the allowable transaction places after being adjusted. And/or reducing the number of the allowed transaction terminals before being adjusted in the constraint parameter by a second number to obtain the number of the allowed transaction terminals after being adjusted.

It should be noted that the first time period, the first frequency, the first number, and the second number may be set in the electronic device in advance by the operation and maintenance staff.

For example, taking the target wind control rule as the wind control rule 3 as an example: the number of the allowed areas for executing the transaction behavior of the same account is 3, namely an area a, an area b and an area c, the number of the allowed terminals for executing the transaction behavior of the account is 4, namely a transaction terminal d, a transaction terminal e, a transaction terminal f and a transaction terminal g, and then the constraint parameters of the wind control rule 3 are the number of the allowed transaction places and the number of the allowed transaction terminals. In this case, if the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, the electronic device reduces the number of the allowed trading places of the wind control rule 3 from 3 to 2, and reduces the number of the allowed trading terminals from 4 to 3.

It will be appreciated that in the above example, the first number is 1 and the second number is 1.

On the other hand, in the case that the interception performance index of the target wind control rule is greater than the upper limit value of the first range, in S204 provided in the embodiment of the present application: the adjusted allowable transaction time period is larger than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is larger than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is larger than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is larger than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is larger than the number of the allowable transaction terminals before adjustment.

As a possible implementation manner, after determining that the interception performance index of the target wind control rule is greater than the upper limit value of the first range, the electronic device extends the allowable transaction time period before adjustment in the constraint parameter by a second time period to obtain the adjusted allowable transaction time period. And/or increasing the allowable trading frequency before adjustment in the constraint parameter by a second frequency to obtain the adjusted allowable trading frequency. And/or increasing the number of the allowable transaction places before being adjusted in the constraint parameter by a third number to obtain the number of the allowable transaction places after being adjusted. And/or increasing the number of the allowed transaction terminals before the adjustment in the constraint parameter by a fourth number to obtain the number of the allowed transaction terminals after the adjustment.

It should be noted that the second time period, the second frequency, the third number, and the fourth number may all be set in the electronic device in advance by the operation and maintenance staff. In some cases, the second time period may be the same as the first time period, the second frequency may be the same as the first frequency, the third number may be the same as the first number, and the fourth number may be the same as the second number.

For example, taking the target wind control rule as the wind control rule 3 as an example: the number of the allowed areas for executing the transaction behavior of the same account is 3, namely an area a, an area b and an area c, the number of the allowed terminals for executing the transaction behavior of the account is 4, namely a transaction terminal d, a transaction terminal e, a transaction terminal f and a transaction terminal g, and then the constraint parameters of the wind control rule 3 are the number of the allowed transaction places and the number of the allowed transaction terminals. In this case, if the interception performance index of the target wind control rule is greater than the upper limit value of the first range, the electronic device increases the number of the allowed transaction places of the wind control rule 3 from 3 to 5, and increases the number of the allowed transaction terminals from 4 to 6.

It will be appreciated that in the above example, the third number is 2 and the fourth number is 2.

According to the technical scheme provided by the embodiment of the application, the constraint parameters are set to be at least one of the allowable transaction time period, the allowable transaction frequency, the allowable transaction amount, the allowable transaction place number and the allowable transaction terminal number, the corresponding constraint parameters can be adjusted according to the size of the interception performance index relative to the first range and by combining with the target wind control rule, a specific implementation mode for adjusting the constraint parameters is provided, the constraint parameters can be adjusted more comprehensively, and the requirement that the target wind control rule tends to the first range is further ensured.

In some embodiments, in order to quickly adjust the target wind control rule to meet a preset condition, in the adjustment method provided in the embodiment of the present application, an adjustment amount for adjusting the target wind control rule constraint parameter is positively correlated with the target difference value.

And the target difference value comprises the distance between the interception performance index of the target wind control rule and the first range.

As a possible implementation manner, the electronic device first determines a distance between the interception performance index and the first range before adjusting the constraint parameter based on the adjustment amount of the constraint parameter, and determines the determined distance as the target difference.

For example, if the interception performance indicator is greater than the upper limit value of the first range, the target difference value is the difference between the interception performance indicator and the upper limit value. If the interception performance index is smaller than the lower limit value of the first range, the target difference value is the difference between the lower limit value and the interception performance index.

It should be noted that the adjustment amount may specifically be the first time period, the first frequency, the first number, the second time period, the second frequency, the third number, and the fourth number, and is used to adjust the constraint parameter.

Further, the electronic device determines an adjustment amount of the constraint parameter based on the target difference after determining the target difference.

For example, the target difference value may be multiplied by a preset coefficient larger than 0 based on actual experience as the adjustment amount of the constraint parameter.

According to the technical scheme, the adjustment quantity of the constraint parameter is set to be in positive correlation with the target difference value, so that the interception performance index obtained after the constraint parameter is adjusted can quickly meet the preset condition, and the timeliness of the target wind control rule can be improved.

In some embodiments, after determining that the interception performance index does not meet the preset condition and that the target wind control rule and the constraint parameter need to be adjusted, the electronic device may further display an adjustment interface in a terminal of an operation and maintenance worker.

And the adjusting interface displays all constraint parameters of the target wind control rule, a first control and a second control corresponding to each constraint parameter and a confirmation adjusting control. The first control is used to increase the numerical value and the second control is used to decrease the numerical value.

The electronic equipment can respond to the triggering operation of the operation and maintenance personnel on the first control or the second control of each constraint parameter in the adjustment interface, and different numerical values of each constraint parameter are displayed.

Further, the electronic device determines an adjustment amount for adjusting the constraint parameter in response to an adjustment confirmation operation of the operation and maintenance staff on the confirmation adjustment control in the adjustment interface.

In one case, the suggested adjustment amount for each constraint parameter may also be displayed in the adjustment interface. The suggested adjustment amount may be an adjustment amount that is positively correlated with the target distance.

According to the technical scheme, the adjustment interface is displayed in the terminal of the operation and maintenance personnel, and the operation and maintenance personnel can manually adjust the adjustment quantity of the constraint parameters conveniently. Meanwhile, the suggested adjustment amount of each constraint parameter is displayed in the adjustment interface, a reference value can be provided for operation and maintenance personnel to adjust the constraint parameters, the interception performance index after the target wind control rule is adjusted can meet the preset condition quickly, and the timeliness of the target wind control rule is improved.

In some embodiments, particularly after the target wind control rule is issued, the issued target wind control rule detects and intercepts a transaction behavior of the user, and after an abnormal transaction behavior is intercepted, the electronic device may perform actions such as reminding, warning, transaction rejection and the like based on a decision level corresponding to the target wind control rule. Meanwhile, the alarm message is sent to the operation and maintenance personnel, so that the operation and maintenance personnel can confirm the user in time and assist the user in normal and safe transaction.

Wherein, different wind control rules correspond to different decision levels.

In another case, after the target wind control rule is released, the electronic device may periodically perform statistics according to the interception result of the released target wind control rule, and recalculate the interception performance index of the released target wind control rule, so as to determine whether the target wind control rule needs to be updated again based on the first range.

Meanwhile, the electronic equipment also sends the interception result and the interception performance index to a terminal of an operation and maintenance worker, and a basis is provided for the operation and maintenance worker to optimize the operation and maintenance of the wind control rule adjusting system.

The scheme provided by the embodiment of the application is mainly introduced from the perspective of a method. In order to implement the above functions, the adjusting device or electronic device of the wind control rule includes a hardware structure and/or a software module corresponding to each function. Those of skill in the art would readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

According to the method, the adjusting device of the wind control rule or the electronic device may be exemplarily divided into the functional modules according to the method, for example, the adjusting device of the wind control rule or the electronic device may include each functional module corresponding to each functional division, or two or more functions may be integrated into one processing module. The integrated module can be realized in a hardware mode, and can also be realized in a software functional module mode. It should be noted that, in the embodiment of the present application, the division of the module is schematic, and is only one logic function division, and there may be another division manner in actual implementation.

For example, the embodiment of the application also provides an adjusting device of the wind control rule.

FIG. 4 is a block diagram illustrating an apparatus for adjusting a wind regulation rule according to an exemplary embodiment. Referring to fig. 4, the adjusting apparatus 300 for the wind control rule includes an obtaining unit 301, a determining unit 302, an adjusting unit 303, and an updating unit 304.

An obtaining unit 301, configured to obtain historical transaction data of a user in a historical time period.

The determining unit 302 is configured to determine, based on the target wind control rule and the historical transaction data, an interception performance index of the target wind control rule, where the interception performance index of one wind control rule is used to indicate an accuracy degree of the one wind control rule for intercepting the abnormal transaction behavior.

The adjusting unit 303 is configured to adjust a constraint parameter of the target wind control rule when the interception performance index of the target wind control rule does not meet a preset condition.

And the updating unit 304 is configured to update the target wind control rule based on the adjusted constraint parameter until the interception performance index of the target wind control rule meets a preset condition.

Optionally, as shown in fig. 4, in the adjusting apparatus 300 provided in the embodiment of the present application, the preset conditions include: the interception performance index of the target wind control rule is within a preset first range.

Optionally, as shown in fig. 4, in the adjusting apparatus 300 provided in the embodiment of the present application, the determining unit 302 is specifically configured to:

and intercepting abnormal transaction behaviors in the historical transaction data based on the target wind control rule, and determining the interception rate and the accuracy rate of the target wind control rule. The intercepting rate of one wind control rule indicates the ratio of times of intercepting abnormal transaction behaviors in transaction data intercepted by one wind control rule, and the accuracy rate of one wind control rule indicates the accuracy rate of the abnormal transaction behaviors intercepted by one wind control rule.

And determining the interception performance index of the target wind control rule based on the interception rate and the accuracy of the target wind control rule.

Optionally, as shown in fig. 4, in the adjusting apparatus 300 provided in the embodiment of the present application, the constraint parameter includes at least one of a permitted transaction time period, a permitted transaction frequency, a permitted transaction amount, a permitted transaction location number, and a permitted transaction terminal number.

When the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, the adjusting unit 303 is specifically configured to: the adjusted allowable transaction time period is smaller than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is smaller than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is smaller than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is smaller than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is smaller than the number of the allowable transaction terminals before adjustment.

When the interception performance index of the target wind control rule is greater than the upper limit value of the first range, the adjusting unit 303 is specifically configured to: the adjusted allowable transaction time period is larger than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is larger than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is larger than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is larger than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is larger than the number of the allowable transaction terminals before adjustment.

Optionally, as shown in fig. 4, in the adjusting device 300 provided in the embodiment of the present application, an adjustment amount of the constraint parameter for adjusting the target wind control rule is positively correlated with a target difference value, where the target difference value includes a distance between an interception performance index of the target wind control rule and the first range.

FIG. 5 is a block diagram of an electronic device shown in accordance with an example embodiment. As shown in fig. 5, electronic device 400 includes, but is not limited to: a processor 401 and a memory 402.

The memory 402 is configured to store executable instructions of the processor 401. It is understood that the processor 401 is configured to execute instructions to implement the adjusting method of the wind control rule in the above embodiments.

It should be noted that the electronic device structure shown in fig. 5 does not constitute a limitation of the electronic device, and the electronic device may include more or less components than those shown in fig. 5, or combine some components, or arrange different components, as will be understood by those skilled in the art.

The processor 401 is a control center of the electronic device, connects various parts of the whole electronic device by using various interfaces and lines, and performs various functions of the electronic device and processes data by operating or executing software programs and/or modules stored in the memory 402 and calling data stored in the memory 402, thereby performing overall monitoring of the electronic device. Processor 401 may include one or more processing units. Alternatively, the processor 401 may integrate an application processor and a modem processor, wherein the application processor mainly handles operating systems, user interfaces, application programs, and the like, and the modem processor mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 401.

The memory 402 may be used to store software programs as well as various data. The memory 402 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program (such as a determination unit, a processing unit, etc.) required by at least one functional module, and the like. Further, the memory 402 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

In an exemplary embodiment, a computer-readable storage medium comprising instructions, such as a memory 402 comprising instructions, executable by a processor 401 of an electronic device 400 to implement the method of adjusting the wind control rules in the above-described embodiments is also provided.

In actual implementation, the functions of the obtaining unit 301, the determining unit 302, the adjusting unit 303 and the updating unit 304 in fig. 4 may be implemented by the processor 401 in fig. 5 calling a computer program stored in the memory 402. The specific execution process may refer to the description of the adjustment method portion of the wind control rule in the above embodiment, and is not described here again.

Alternatively, the computer-readable storage medium may be a non-transitory computer-readable storage medium, which may be, for example, a Read-Only Memory (ROM), a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

In an exemplary embodiment, the present application further provides a computer program product including one or more instructions, which can be executed by the processor 401 of the electronic device to complete the adjusting method of the wind control rule in the foregoing embodiment.

It should be noted that the instructions in the computer-readable storage medium or one or more instructions in the computer program product are executed by a processor of the electronic device to implement the processes of the embodiment of the method for adjusting the wind control rule, and the technical effects same as those of the method for adjusting the wind control rule can be achieved, and are not described herein again to avoid repetition.

Through the description of the above embodiments, it is clear to those skilled in the art that, for convenience and simplicity of description, only the division of the above functional modules is used for illustration, and in practical applications, the above function allocation may be completed by different functional modules according to needs, that is, the internal structure of the device is divided into different functional modules, so as to complete the above-described whole classification part or part of the functions.

In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other manners. For example, the above-described apparatus embodiments are merely illustrative, and for example, a division of a module or a unit is only one type of logical functional division, and other divisions may be realized in practice, for example, a plurality of units or components may be combined or integrated into another apparatus, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

Units described as separate parts may or may not be physically separate, and parts displayed as units may be one physical unit or a plurality of physical units, may be located in one place, or may be distributed to a plurality of different places. The purpose of the scheme of the embodiment can be realized by selecting a part of or a whole classification part unit according to actual needs.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit may be implemented in the form of hardware, or may also be implemented in the form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present application, or portions thereof that substantially contribute to the prior art, or the whole classification part or portions thereof, may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling a device (which may be a single chip, a chip, etc.) or a processor (processor) to execute the whole classification part or some steps of the methods of the embodiments of the present application. And the aforementioned storage medium includes: a U disk, a removable hard disk, a ROM, a RAM, a magnetic disk or an optical disk, and various media capable of storing program codes.

The above description is only an embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions within the technical scope disclosed in the present application should be covered within the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims

1. A method for adjusting a wind control rule is characterized by comprising the following steps:

acquiring historical transaction data of a user in a historical time period;

determining the interception performance indexes of the target wind control rules based on the target wind control rules and the historical transaction data, wherein the interception performance index of one wind control rule is used for indicating the accuracy of the one wind control rule in intercepting abnormal transaction behaviors;

and under the condition that the interception performance index of the target wind control rule does not meet a preset condition, adjusting the constraint parameter of the target wind control rule, and updating the target wind control rule based on the adjusted constraint parameter until the interception performance index of the target wind control rule meets the preset condition.

2. The adjustment method according to claim 1, wherein the preset condition comprises: and the interception performance index of the target wind control rule is within a preset first range.

3. The adjustment method according to claim 2, wherein the determining the interception performance indicator of the target wind control rule based on the target wind control rule and the historical transaction data comprises:

intercepting abnormal transaction behaviors in the historical transaction data based on the target wind control rule, and determining the interception rate and the accuracy rate of the target wind control rule; the intercepting rate of one wind control rule indicates the ratio of times of intercepting abnormal transaction behaviors in the transaction data intercepted by the one wind control rule, and the accuracy rate of the one wind control rule indicates the accuracy rate of the abnormal transaction behaviors intercepted by the one wind control rule;

4. The adjustment method according to claim 2, wherein the constraint parameter includes at least one of an allowed transaction time period, an allowed transaction frequency, an allowed transaction amount, an allowed transaction location number, and an allowed transaction terminal number;

when the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, the adjusting the constraint parameter of the target wind control rule includes: the adjusted allowable transaction time period is less than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is less than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is less than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is less than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is less than the number of the allowable transaction terminals before adjustment;

when the interception performance index of the target wind control rule is greater than the upper limit value of the first range, the adjusting the constraint parameter of the target wind control rule includes: the adjusted allowable transaction time period is larger than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is larger than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is larger than the allowable transaction amount before adjustment, the adjusted allowable transaction place number is larger than the allowable transaction place number before adjustment, and the adjusted allowable transaction terminal number is larger than the allowable transaction terminal number before adjustment.

5. The adjusting method according to any one of claims 2 to 4, wherein an adjustment amount for adjusting the target wind control rule constraint parameter is positively correlated with a target difference value, and the target difference value comprises a distance between an interception performance index of the target wind control rule and the first range.

6. The device for adjusting the wind control rule is characterized by comprising an acquisition unit, a determination unit, an adjustment unit and an update unit;

the acquisition unit is used for acquiring historical transaction data of a user in a historical time period;

the determining unit is used for determining the interception performance index of a target wind control rule based on the target wind control rule and the historical transaction data, and the interception performance index of one wind control rule is used for indicating the accuracy of the wind control rule for intercepting abnormal transaction behaviors;

the adjusting unit is used for adjusting the constraint parameters of the target wind control rule under the condition that the interception performance index of the target wind control rule does not meet the preset condition;

and the updating unit is used for updating the target wind control rule based on the adjusted constraint parameter until the interception performance index of the target wind control rule meets the preset condition.

7. The adjustment device according to claim 6, wherein the preset conditions include: and the interception performance index of the target wind control rule is in a preset first range.

8. The adjustment device according to claim 7, wherein the determination unit is specifically configured to:

9. The adjustment device according to claim 7, wherein the constraint parameter comprises at least one of a permitted transaction time period, a permitted transaction frequency, a permitted transaction amount, a permitted transaction location number, and a permitted transaction terminal number;

when the interception performance index of the target wind control rule is smaller than the lower limit value of the first range, the adjusting unit is specifically configured to: the adjusted allowable transaction time period is less than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is less than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is less than the allowable transaction amount before adjustment, the adjusted allowable transaction location number is less than the allowable transaction location number before adjustment, and the adjusted allowable transaction terminal number is less than the allowable transaction terminal number before adjustment;

when the interception performance index of the target wind control rule is greater than the upper limit value of the first range, the adjusting unit is specifically configured to: the adjusted allowable transaction time period is larger than the allowable transaction time period before adjustment, the adjusted allowable transaction frequency is larger than the allowable transaction frequency before adjustment, the adjusted allowable transaction amount is larger than the allowable transaction amount before adjustment, the number of the adjusted allowable transaction places is larger than the number of the allowable transaction places before adjustment, and the number of the adjusted allowable transaction terminals is larger than the number of the allowable transaction terminals before adjustment.

10. The adjusting apparatus according to any one of claims 7 to 9, wherein an adjustment amount for adjusting the target wind control rule constraint parameter is positively correlated with a target difference value, and the target difference value comprises a distance between an interception performance index of the target wind control rule and the first range.

11. An electronic device, comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the method of any one of claims 1 to 5.

12. A computer-readable storage medium, wherein computer-executable instructions stored in the computer-readable storage medium, when executed by a processor of an electronic device, enable the electronic device to perform the method of any of claims 1-5.