CN110148000A - A kind of security management and control system and method applied to payment platform - Google Patents
A kind of security management and control system and method applied to payment platform Download PDFInfo
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- CN110148000A CN110148000A CN201910309707.3A CN201910309707A CN110148000A CN 110148000 A CN110148000 A CN 110148000A CN 201910309707 A CN201910309707 A CN 201910309707A CN 110148000 A CN110148000 A CN 110148000A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
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Abstract
Description
Claims (15)
- It include multiple service providers in the payment platform, with the clothes 1. a kind of security management and control system applied to payment platform Multiple subordinate trade companies of business quotient, the security management and control system include at least and enter risk supervision module,The risk supervision module of entering is used for:Check information is extracted in information in entering for trade company's submission, the check information is preset for examining trade company Enter the specific information of risk;Obtain training in advance enters detection model group, and described enter includes several different entering detection mould in detection model group Type, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of classification by trade company of detection model Characteristic training form;Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output not Generic risk score;The different classes of risk score is weighted, enters value-at-risk for what calculated result was determined as trade company.
- 2. security management and control system as described in claim 1, by calculated result be determined as trade company enter value-at-risk after, also wrap It includes:By the affiliated service provider for entering value-at-risk and being pushed to the trade company, so that the service provider utilizes the calculated result Corresponding further audit policy is used to the trade company.
- 3. security management and control system as described in claim 1, described that check information is extracted in information in entering for trade company's submission, Include:Text Feature Extraction is carried out in the merchant information for the textual form that trade company submits, to obtain shops's address information, the industry of user Information and expansion channel qualification information;Image recognition is carried out to the certificate information for the graphic form that trade company submits, the certificate information is resolved into textual form Manage qualification information and door head photographic intelligence;The information that the Text Feature Extraction and image recognition obtain is determined as to the check information of trade company.
- 4. security management and control system as described in claim 1, described to enter detection model group described in check information input, The different trade companies for entering detection model output is obtained in different classes of risk score, comprising:It is true that corresponding informance in the check information is inputted into address authenticity risk computation model trained in advance, qualification respectively In reality risk computation model, industry authenticity risk computation model and transaction authenticity risk model, the different wind are received The different classes of risk score that dangerous model exports respectively.
- 5. security management and control system as described in claim 1, the system also includes entering detection model group building module,The detection model group building module of entering is used for:Black and white sample data is obtained, the black sample data is that there are the merchant data of historical risk transaction, the white sample numbers According to for there is no the merchant datas that historical risk is traded;Determine that several characteristic data sets of trade company, each characteristic data set are used to characterize the quotient of trade company's one of which classification Family feature;Using the black and white sample data, the difference being built into group in detection model respectively with the different characteristic data set enters In detection model.
- 6. system as claimed in claim 5, described to enter detection model group building module, it is also used to:The supplement black and white sample data that service provider uploads is received, the supplement black and white sample data is service provider according to own service The black sample trade company and white sample trade company that scene defines;Based on transfer learning algorithm, enter detection model using described in supplement black and white sample data training so that it is described enter The iteration of business scenario where completion in detection model adapts to the service provider.
- 7. security management and control system as described in claim 1, the system also includes real-time risk supervision module,The real-time risk supervision module is used for:It the use of risk trade model trained is in advance that the transaction is beaten for any real-time deal information for entering trade company Point, calculated risk score value is recorded in the merchant data for generating the transaction;Trade company is entered for any, according to the risk trade stroke count that trade company described in current slot generates, calculates the quotient The current risk concentration at family;Threshold value is divided according to predefined level and determines the corresponding risk level of the risk concentration, according to the risk level pair The predefined processing strategie answered carries out risk processing to the trade company and affiliated service provider and pushes with information.
- It include multiple service providers in the payment platform, with the clothes 8. a kind of security control method applied to payment platform Multiple subordinate trade companies of business quotient, the security control method include:Check information is extracted in information in entering for trade company's submission, the check information is preset for examining trade company Enter the specific information of risk;Obtain training in advance enters detection model group, and described enter includes several different entering detection mould in detection model group Type, wherein the characteristic of trade company is divided into several classifications, each enters the corresponding one of classification by trade company of detection model Characteristic training form;Detection model group will be entered described in check information input, obtains the different trade companies for entering detection model output not Generic risk score;The different classes of risk score is weighted, enters value-at-risk for what calculated result was determined as trade company.
- 9. security control method as claimed in claim 8, by calculated result be determined as trade company enter value-at-risk after, also wrap It includes:By the affiliated service provider for entering value-at-risk and being pushed to the trade company, so that the service provider utilizes the calculated result Corresponding further audit policy is used to the trade company.
- 10. security control method as claimed in claim 8, described to extract verification letter in entering in information for trade company's submission Breath, comprising:Text Feature Extraction is carried out in the merchant information for the textual form that trade company submits, to obtain shops's address information, the industry of user Information and expansion channel qualification information;Image recognition is carried out to the certificate information for the graphic form that trade company submits, the certificate information is resolved into textual form Manage qualification information and door head photographic intelligence;The information that the Text Feature Extraction and image recognition obtain is determined as to the check information of trade company.
- 11. security control method as claimed in claim 8, described to enter detection model described in check information input Group obtains the different trade companies for entering detection model output in different classes of risk score, comprising:It is true that corresponding informance in the check information is inputted into address authenticity risk computation model trained in advance, qualification respectively In reality risk computation model, industry authenticity risk computation model and transaction authenticity risk model, the different wind are received The different classes of risk score that dangerous model exports respectively.
- 12. security control method as claimed in claim 8, the method also includes:Black and white sample data is obtained, the black sample data is that there are the merchant data of historical risk transaction, the white sample numbers According to for there is no the merchant datas that historical risk is traded;Determine that several characteristic data sets of trade company, each characteristic data set are used to characterize the quotient of trade company's one of which classification Family feature;Using the black and white sample data, the difference being built into group in detection model respectively with the different characteristic data set enters In detection model.
- 13. method as claimed in claim 12, the difference being built into group in detection model respectively enters detection model Afterwards, further includes:The supplement black and white sample data that service provider uploads is received, the supplement black and white sample data is service provider according to own service The black sample trade company and white sample trade company that scene defines;Based on transfer learning algorithm, enter detection model using described in supplement black and white sample data training so that it is described enter The iteration of business scenario where completion in detection model adapts to the service provider.
- 14. security control method as claimed in claim 8, the method also includes:It the use of risk trade model trained is in advance that the transaction is beaten for any real-time deal information for entering trade company Point, calculated risk score value is recorded in the merchant data for generating the transaction;Trade company is entered for any, according to the risk trade stroke count that trade company described in current slot generates, calculates the quotient The current risk concentration at family;Threshold value is divided according to predefined level and determines the corresponding risk level of the risk concentration, according to the risk level pair The predefined processing strategie answered carries out different degrees of risk processing to the trade company and its affiliated service provider respectively and pushes away with information It send.
- 15. a kind of computer equipment including memory, processor and stores the meter that can be run on a memory and on a processor Calculation machine program, wherein the processor realizes method according to claim 8 when executing described program.
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Cited By (9)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
CN110033120A (en) * | 2019-03-06 | 2019-07-19 | 阿里巴巴集团控股有限公司 | For providing the method and device that risk profile energizes service for trade company |
CN110717653A (en) * | 2019-09-17 | 2020-01-21 | 阿里巴巴集团控股有限公司 | Risk identification method and device and electronic equipment |
CN110910041A (en) * | 2019-12-04 | 2020-03-24 | 支付宝(杭州)信息技术有限公司 | Risk control method, system and device |
CN111754245A (en) * | 2020-06-18 | 2020-10-09 | 支付宝(杭州)信息技术有限公司 | Method, device and equipment for authenticating business scene |
CN112017059A (en) * | 2020-07-14 | 2020-12-01 | 北京淇瑀信息科技有限公司 | Hierarchical optimization risk control method and device and electronic equipment |
CN112990939A (en) * | 2020-11-27 | 2021-06-18 | ***股份有限公司 | Method, apparatus and computer readable medium for verifying user data |
CN113344376A (en) * | 2021-06-02 | 2021-09-03 | 南京星云数字技术有限公司 | Merchant risk monitoring method and device, computer equipment and storage medium |
CN113762966A (en) * | 2020-06-05 | 2021-12-07 | 网联清算有限公司 | Merchant information verification method, device, equipment and storage medium |
CN113839851A (en) * | 2020-06-08 | 2021-12-24 | 腾讯科技(深圳)有限公司 | Payment configuration method and device |
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CN106815754A (en) * | 2015-12-02 | 2017-06-09 | 阿里巴巴集团控股有限公司 | The charging method and air control system server of a kind of risk control system |
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CN107644375A (en) * | 2016-07-22 | 2018-01-30 | 花生米浙江数据信息服务股份有限公司 | Small trade company's credit estimation method that a kind of expert model merges with machine learning model |
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Cited By (11)
Publication number | Priority date | Publication date | Assignee | Title |
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CN110033120A (en) * | 2019-03-06 | 2019-07-19 | 阿里巴巴集团控股有限公司 | For providing the method and device that risk profile energizes service for trade company |
CN110717653A (en) * | 2019-09-17 | 2020-01-21 | 阿里巴巴集团控股有限公司 | Risk identification method and device and electronic equipment |
CN110717653B (en) * | 2019-09-17 | 2023-05-12 | 创新先进技术有限公司 | Risk identification method and apparatus, and electronic device |
CN110910041A (en) * | 2019-12-04 | 2020-03-24 | 支付宝(杭州)信息技术有限公司 | Risk control method, system and device |
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CN113762966A (en) * | 2020-06-05 | 2021-12-07 | 网联清算有限公司 | Merchant information verification method, device, equipment and storage medium |
CN113839851A (en) * | 2020-06-08 | 2021-12-24 | 腾讯科技(深圳)有限公司 | Payment configuration method and device |
CN111754245A (en) * | 2020-06-18 | 2020-10-09 | 支付宝(杭州)信息技术有限公司 | Method, device and equipment for authenticating business scene |
CN112017059A (en) * | 2020-07-14 | 2020-12-01 | 北京淇瑀信息科技有限公司 | Hierarchical optimization risk control method and device and electronic equipment |
CN112990939A (en) * | 2020-11-27 | 2021-06-18 | ***股份有限公司 | Method, apparatus and computer readable medium for verifying user data |
CN113344376A (en) * | 2021-06-02 | 2021-09-03 | 南京星云数字技术有限公司 | Merchant risk monitoring method and device, computer equipment and storage medium |
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Effective date of registration: 20200929 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Innovative advanced technology Co.,Ltd. Address before: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant before: Advanced innovation technology Co.,Ltd. Effective date of registration: 20200929 Address after: Cayman Enterprise Centre, 27 Hospital Road, George Town, Grand Cayman Islands Applicant after: Advanced innovation technology Co.,Ltd. Address before: A four-storey 847 mailbox in Grand Cayman Capital Building, British Cayman Islands Applicant before: Alibaba Group Holding Ltd. |
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Application publication date: 20190820 |